FOS (Financial Ombudsman Service)

The Financial Ombudsman Service (FOS) is an independent organization in the UK that resolves disputes between consumers and financial firms, such as banks, insurance companies, and lenders. If you have a complaint about a financial product or service and cannot settle it directly with the provider, you can escalate it to the FOS. They review the case impartially, gather information, and make a fair decision. The FOS aims to provide an easy, free way for people to get problems with financial companies sorted out without going to court.