FOS

As someone working for a Bank re this missell of PPI (mortgages, loans, credit cards) and dealing with FOS on a daily basis they are generally very inexperienced/ lacking in training. In most cases I can not believe the majority of decisions are in the favour of the customer. 

The whole system appears to be set up for the government to keep people employed (although I am not complaing) and them earning millions in taxes from the payments every year.