The Naked Truth (Lil' Kim album). This means that a litigant has to surmount the very high hurdle of proving that the entirety of the ombudsman's decision was so unfair that no right minded person would have made a similar decision. This is referred to as the Wednesbury unreasonableness principle which applies to any application for judicial review under made due to the irrationality of the decision. Accountability. The board of the Financial Ombudsman Service is appointed by the Financial Conduct Authority – and the appointment of the chairman is approved by HM Treasury. The board's role includes guarding the independence of the ombudsman – from 	Financial Ombudsman Service
10743205	undue influence by the financial services industry and trade bodies, regulators, consumer groups and government. Board members are non-executive – they have no involvement in individual complaints. The ombudsman can be asked to appear before the Parliamentary Treasury Select Committee who can be contacted by the consumer's MP. In November 2011 the Financial Ombudsman Service became covered by the Freedom of Information Act 2000. The ombudsman's website has a page of information on this subject Consumer satisfaction surveys – and surveys of businesses covered by the ombudsman – are conducted by the Financial Ombudsman Service on an ongoing basis. The 	Financial Ombudsman Service
10743206	results are published annually in the ombudsman's annual review. Customers of the Financial Ombudsman Service – both consumers and businesses – can seek redress from the Independent Assessor if they are unhappy with the level of service they have received. The Independent Assessor is appointed by the board of the Financial Ombudsman Service. The current holder of the post is Gillian Guy, previously Chief Executive of Citizens Advice for England and Wales, whose appointment was announced by the Financial Ombudsman Service on 26 August 2020 to take effect from October 2020. The Independent Assessor reports formally to the board of the 	Financial Ombudsman Service
10743207	Financial Ombudsman Service – which publishes a report in full each year as part of the Financial Ombudsman Service's annual review. Triennial reviews. The non-executive board of the Financial Ombudsman Service commissions three-yearly external reviews of the service. International Network of Financial Services Ombudsman Schemes. The UK Financial Ombudsman Service is a member of the International Network of Financial Services Ombudsman Schemes, a global association whose members operate as out-of-court dispute resolution mechanisms in the financial sector. Other members include: A list of all members can be found at the International Network's website. Financial Ombudsman 	Financial Ombudsman Service
10743208	The Naked Truth (Lil' Kim album) The Naked Truth (Lil' Kim album) The Naked Truth is the fourth studio album by American rapper Lil' Kim, released on September 27, 2005. The album was released the same week she started her year-long prison sentence for perjury and it was her last studio album released by Atlantic Records before deciding to part ways in 2008. Two official singles were released from the album: Lighters Up" as the lead single, released in September 2005, and "Whoa", as the second and final single, in February 2006. "The Naked Truth" remains the only album by a female rapper to be  rated five mics by "The Source". The album has sold over 2.7 million copies worldwide. Singles. The first single taken from the album was "Lighters Up". It was released on September 13, 2005, and was a moderate success, peaking at number 31 on the "Billboard" Hot 100. The second, and final, single from the album was "Whoa". Released on February 7, 2006, it was less successful than its predecessor and failed to make the Hot 100. It did manage to chart in the UK, peaking at number 43. Promotional singles. The first promo single taken from the album was "Shut  Up Bitch". For the release the title was censored to "Shut Up". Released to radio on July 12, 2005, the song served as a promotional single for the album and peaked at number 73 on the "Billboard" Hot R&B/Hip-Hop Songs chart. It can be heard at the start of the "Lighters Up" music video. The second promo single was "Spell Check". It was released to US radio as a promo single for the album in December 2005, alongside "Whoa". The song was promoted in the music video for "Whoa" with Kim rapping the first verse and chorus near  the end. Critical reception. The album received generally positive reviews and was given a score of 66 out of 100 by Metacritic, with 5 star ratings from "The Source" (in which she became the first and only female rapper to ever receive 5 mics), "Vibe Magazine", and "The Village Voice", and less than favorable reviews from "The New York Times" and AllMusic. "Blender" gave the album four stars, calling it her "strongest work since her pheromone-thick 1996 debut". While the album did receive several 5 star ratings, "Pitchfork" journalist Jess Harvell, who gave the album a positive 7.8 rating , stated, ""The Naked Truth" may be better than 80% of the other rap albums to be released in 2005, but that doesn't make it another "Ready to Die"." Commercial performance. "The Naked Truth" debuted at number six on the "Billboard" 200 and at number three on the Top R&B/Hip-Hop Albums chart, selling 109,000 copies in its first week. It sold 394,000 copies in the US and 500,000 worldwide. The Naked Truth (Lil' Kim album) The Naked Truth is the fourth studio album by American rapper Lil' Kim, released on September 27, 2005. The album was released the