Use the Financial Ombudsman Service to escalate complaints and reclaim money

The Financial Ombudsman Service is an independent body that resolves disputes between consumers and financial firms when a complaint cannot be settled directly. It guides you through submitting evidence and can make binding decisions requiring firms to pay compensation or provide remedies where wrongdoing or poor service is found. If you suspect mis-selling, incorrect charges or poor handling of your complaint, using the Ombudsman can help recover money or correct financial products without court action.