Our approach to resolving complaints

We share our knowledge and experience of handling financial disputes to help businesses resolve complaints fairly and effectively. 

On this page you’ll find a list of the complaints we can look at by product and service type, with links to information about our approach. 

We encourage businesses to consider our approach when handling complaints from customers.

It’s important for us to be consistent in the way we approach similar types of complaint, but we treat each complaint individually. Everyone’s personal and financial circumstances are different, so the outcome in one case won’t always be the same as in a similar-looking case. 

As well as information about our approach to complaints, we also share information about our process and how we decide cases.

Complaints we deal with

Banking and payments

Bank accounts, payments, cards, cash machines and other banking services
Read more about Banking and payments

Credit and borrowing money

Loans and other types of credit, like car finance or debt and repayment problems
Read more about Credit and borrowing money

Fraud and scams

APP fraud, unauthorised transactions, fraud markers and identity theft
Read more about Fraud and scams

Insurance

Home, travel, motor, wedding and other types of insurance
Read more about Insurance

Investments

Financial advice, investment or fund management, or other investment services
Read more about Investments

Mortgages

Disputes about mortgages including early repayment charges, valuations and equity
Read more about Mortgages

Pensions and annuities

Complaints about pensions, annuities and pensions advice
Read more about Pensions and annuities

Pre-paid funeral plans

Products that allow pre-arranged and pre-paid funeral costs
Read more about Pre-paid funeral plans

Other complaints

Including complaints involving vulnerability, discrimination, economic and domestic abuse, or power of attorney
Read more about Other complaints

Our jurisdiction to consider complaints

Our jurisdiction is determined by applying the Financial Conduct Authority's Dispute Resolution (DISP) rules to the facts of each individual complaint.  

If a financial business thinks that a complaint falls outside of our jurisdiction, they should let us know as soon as possible and provide the relevant supporting documentation.

Information for consumers

If you're a customer of a financial business looking for information about how we can help you, you can find information about how to bring a complaint and complaints we can help with in the Consumer section of our site.  


Read more about how to bring a complaint 

Financial Ombudsman Service for small businesses

Are you a small business?

If you’re a small business (SME) and want to make a complaint to us, go to our dedicated small business website for more information about how we can help.

Claims Management Ombudsman - a Financial Ombudsman Service

Need help with a claims management dispute?

We can also help with complaints about claims management companies (CMCs). If you have a complaint, or you’re a CMC dealing with a complaint, go to the Claims Management Ombudsman website for more information.