Complaints they can help with
An introduction to the role of the Financial Ombudsman Service, the complaints we can help with and how to make a complaint.
They provide a free service set up by Parliament to resolve complaints about financial businesses, for example banks or insurance companies. If they decide you’ve been treated unfairly, they have the power to put things right.
To get an idea of whether your complaint is something they can help with before you send it to us, they will ask questions about some of the things they need to know upfront before you send them a complaint. You can do this online, using their complaint checker. If your complaint sounds like something they can help with, it will tell you how to make a new complaint using their online form. Or read through the information on this page first, to find out more about FOS and their role.
- Complaints they can help with
- They can help with complaints about most kinds of financial products and services provided in or from the UK – from bank accounts, debt collection and payday loans to insurance and mortgages. See the list below for the areas where they can assist consumers:
- Home, travel, motor, wedding and other types of insurance
- Bank accounts, payments, cards, cash machines and other banking services
- Fraud and scams
- Mortgages including early repayment charges, valuations and equity
- Loans and other types of credit like car finance or debt and repayment problems
- Pension and annuities
- Payment protection insurance (PPI)
- Other complaints – including complaints involving the impact of Covid-19, economic and domestic abuse, the cost of living, or power of attorney.