Summary: The complainant submitted four requests to the Financial Ombudsman Service (FOS) all of which focused on the FOS-™ handling of complaints it had received concerning the Royal Bank of Scotland-™s -˜Virgin One-™ account. The FOS refused to answer requests 1 and 2 on the basis of section 12 of FOIA, it explained that it did not hold any information falling within the scope of request 3, and although it held one document falling within the scope of request 4, it considered this to be exempt from disclosure on the basis of section 41(1) of FOIA. The Commissioner is satisfied that the FOS was entitled to rely on sections 12 and 41(1) to refuse these requests. Furthermore, the Commissioner is satisfied that on the balance of probabilities the FOS does not hold any information that could be used to fulfil requests 1 and 2 within the cost limit, does not hold any information falling within the scope of request 3 and does not hold any information falling within the scope of request 4 other than the document that has been withheld on the basis of section 41(1). The Commissioner does not require the FOS to take any steps as a result of this decision.
Section of Act/EIR & Finding: FOI 12 - Complaint Not upheld, FOI 41 - Complaint Not upheld