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The term "ombudsman" is misleading. It should be termed "ombudsman's department" since there may be a single ombudsman but applications are handled by a gang of anonymous and often incompetent civil servants if my own dealings with the "Financial Ombudsman" are anything to go by. Each time, one gets a different person on the phone or in a letter, each less competent and intelligent than the last and each eager to palm one off with platitudes and, in the tradition of civil servants everywhere, they do as little as possible to resolve the problem.