The Credit and Investments Ombudsman is adapting its campaign to derail the "one stop shop" for financial complaints, taking aim at the exclusion of credit representatives under the government's proposed scheme.CIO chief executive and ombudsman, Raj Venga, wrote in an email to Banking Day that the proposed started date of 1 July 2018 was "unachievable, if the legislation is passed at all, which we believe is unlikely."Venga said a start date of 1 July 2019 "would be far more realistic."The Government, in the budget in May, announced the creation of the Australian Financial Complaints Authority (AFCA), to replace CIO, the Financial Ombudsman Service and the Superannuation Complaints Tribunal.Reprising themes aired in past assaults on the new authority, Venga said "the majority of the smaller industry participants - including credit unions, mortgage brokers, non-bank lenders, financial planners and fintech companies - are opposed to a single monopoly scheme."In the submission, the CIO point out that in many cases (sometimes years after entering into a contract) "the CIO looks to the credit representative to address the complaint and provide redress where appropriate. This is only possible if the credit representative is a member of the scheme.""The monopoly scheme is really only supported by the Big Four banks, as it will serve their interests above those of their competitors, and maintain the current power imbalance between the big banks and their customers." Venga said that as the legislation has not even been introduced into parliament, CIO has "refused to participate in any discussions around the transition despite pressure from others to do so.  "It seems the enormity of the exercise and the likely mess this is going to cause to both industry and consumers has only just dawned on those supporting the idea of a one-stop-shop."