How to make use of the FOS
Q: What is the Financial Ombudsman Service and how does it operate?
The Financial Ombudsman Service exists to resolve disputes between consumers of financial services products and authorised firms. It is intended to be an informal and accessible alternative to litigation and is provided free of charge to complainants. Authorised firms are bound by FOS rulings on complaints.
Only private individuals and businesses with an annual turnover below £1m can complain to the FOS. In addition, the complainant must be, or have been, a customer of the respondent firm.
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