The Financial Ombudsman Service

The Financial Ombudsman Service (FOS) is an independent organization that helps resolve disputes between consumers and financial businesses, such as banks, insurers, and lenders. If you’re unhappy with a financial product or service and can’t settle the issue directly with the provider, you can ask the FOS to investigate. They review the case impartially and provide a fair decision, helping both sides reach an agreement without going to court. The FOS aims to ensure that consumers are treated fairly and that disputes are resolved quickly, efficiently, and at no cost to the complainant.