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Car modifications and insurance
Data and insight / Our insight
Modifications to your car can affect your insurance – share information about how car modifications can affect insurance policies, the types of complaint we’ve seen and how we can help.
Published 27/11/2024 Last updated 27/11/2024
Unregulated collective investment schemes
For consumers / Complaints we can help with / Investments
Find out how we can help if you have a complaint involving an unregulated collective investment scheme.
Published 05/09/2022 Last updated 18/04/2023
Credit hire and credit repair services following a “no-fault” accident
For consumers / Complaints we can help with / Insurance / Motor insurance
On this page, we explain how and when we can help with a complaint about credit hire and credit repair – these are services that are sometimes offered to customers as an alternative to making a claim on their insurance, following an accident that is not their fault.
Published 27/06/2023 Last updated 27/06/2023
Gradual damage irrelevant as the problem wasn't covered in policy
Decisions and case studies / Case studies
When Kathani and Taj discovered damp caused by a leaking pipe, their insurer agreed to pay for the damage. But when further problems were discovered, the insurer refused to pay.
Published 14/03/2019 Last updated 05/03/2025
Smaller business workshop
News
A free, practical afternoon workshop for smaller businesses covered by the Financial Ombudsman Service
Published 02/07/2019 Last updated 27/01/2021
Annual report and accounts 2018/2019
News
We’ve published our annual report and accounts 2019/2019 today.
Published 11/07/2019 Last updated 27/01/2021
Our people, our purpose
Data and insight / Our insight
In this blog, Chief People Officer, Jane Cosgrove talks about our people, our purpose and our shared values – and how they are fundamental in building an engaged and inclusive organisation.
Published 24/10/2023 Last updated 24/10/2023
Instant Cash Loans Limited
News
We are aware that Instant Cash Loans (“ICL”) entered a scheme of arrangement with its creditors (which includes customers and former customers of The Money Shop, Payday Express, Payday UK and Ladder Loans) before it looks to close down the company.
Published 17/07/2019 Last updated 27/01/2021
Diversity and inclusion: how we talk about race at work
Data and insight / Our insight
To mark Black History Month, Karl Khan shares why diversity is important to the Financial Ombudsman Service and reflects on how we’re planning to become a more diverse and inclusive organisation.
Published 30/10/2023 Last updated 31/10/2023
Insurer rejects claim as ‘betterment’ – but expert opinion said it would be needed
Decisions and case studies / Case studies
Will came to us when he was having a dispute with his insurer. Cracking from subsidence in his garage needed to be fixed, but there was a disagreement about the extent of the repairs.
Published 22/03/2019 Last updated 05/03/2025
