He added that the following values were all to be appreciated and brought into a pragmatic balance: that an efficient and cost - effective and relatively informal type
of alternative dispute resolution should not be stifled by the imposition
of legal doctrine; that the opportunity for the development
of new ideas fitting to financial service industries operating
in consumer markets should be appreciated for the benefits they could bring; that on the other
hand transparency, consistency and accessibility as to the principles which informed the ombudsman's determinations
remained virtues
in the new setting; and that publicity as to those principles and those determinations could assist
in that regard.