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Financial Ombudsman Service (FOS) Complaint Referral — Expat Guide United Kingdom (2026)

Quick Answer

What it is:: Financial Ombudsman Service — a legal procedure in United Kingdom.
Deadline:: 180 days
Steps:: 5 steps
Cost:: Free
Documents:: 4 required
Legal basis:: FSMA 2000 s.226

Miss the deadline? FOS jurisdiction is barred

Important Deadlines

180d

Refer to FOS within 6 months of final response

FOS jurisdiction is barred

2190d

Or within 6 years of event / 3 years of discovery

Time-barred

Required Documents

✓Final response letter from the firm
✓All relevant correspondence
✓Contract / policy documents
✓Schedule of loss and supporting evidence

Step-by-Step Guide

Lodge a written complaint with the firm. They have 8 weeks to issue a final response.

If unhappy with the final response (or 8 weeks elapse without one), refer to FOS within 6 months.

Submit complaint via fos.org.uk or by post: Exchange Tower, Harbour Exchange Square, London E14 9SR.

FOS investigates free of charge. Awards bind the firm up to £445,000 (post-1 April 2024).

If you reject the FOS decision, it is not binding on you and you may pursue court action.

Fees

No fee for consumerFree

Legal Basis

FSMA 2000 s.226FCA DISP 2.7FCA DISP 3.5

Also Known As

This procedure is commonly searched under these names:

FOSFinancial OmbudsmancomplaintDISPICOBSinsurance complaintbank complaintPMI complaint

Official Resources

https://www.financial-ombudsman.org.uk

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More Guides for 🇬🇧 United Kingdom

→Right to a basic bank account (Payment Accounts Regulations 2015)→HMRC P87 — Tax Relief on Employment Expenses →Tenancy deposit dispute (DPS / TDS / MyDeposits)→Refund of NHS prescription / dental / optical charges →Energy Ombudsman (UK)→Communications Ombudsman (UK)