Summary: The Ombudsman will not investigate Mr X’s complaint about payment protection insurance payments he made to the Council. This is because the Financial Ombudsman Service is the body which deals with such matters.

The complaint

1. The complainant, whom I shall call Mr X, complains about payment protection insurance payments he made to the Council.

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The Ombudsman’s role and powers

2. We investigate complaints about ‘maladministration’ and ‘service failure’. In this statement, I have used the word ‘fault’ to refer to these. We must also consider whether any fault has had an adverse impact on the person making the complaint. I refer to this as ‘injustice’. We provide a free service, but must use public money carefully. We may decide not to start or continue with an investigation if we believe there is another body better placed to consider this complaint (Local Government Act 1974, section 24A(6), as amended)

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How I considered this complaint

3. I have considered what Mr X said in his complaint.

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What I found

4. Mr X complains about payment protection insurance (PPI) payments he made to the Council in connection with his mortgage.
5. The Final Ombudsman Service is the UK’s independent body set up by parliament to settle certain financial disputes. It is the body that has dealt with PPI complaints.

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Final decision

6. My decision is that the Ombudsman should not investigate as this is a complaint for the Financial Ombudsman Service.

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Investigator's decision on behalf of the Ombudsman