Financial Ombudsman Service

Every year, millions of people face unresolved disputes with financial institutions - from banks and insurance companies to pension providers and lenders. Without an independent arbiter, these individuals and small businesses can find themselves powerless against large financial organisations, left with no way to address unfair treatment or financial loss. The Financial Ombudsman Service exists to restore balance, providing a free and accessible route to justice for consumers who have been treated unfairly by financial service providers.

Since being established by Parliament in 2001, we have helped resolve over 4 million complaints, giving people and small businesses a voice when they need it most. Our service is completely free for consumers, and we have the legal authority to make binding decisions that put things right. Whether the issue involves mis-sold products, unfair charges, or poor service, our impartial team provides unbiased answers and enforces fair outcomes, ensuring fairness remains at the heart of the UK financial services sector.