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What is the Financial Ombudsman Service? How to take a money complaint further

By SendPay Business · · 2 min read

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The Financial Ombudsman Service is a free, independent service that settles complaints between people and UK financial firms, such as banks, payment firms and lenders. It's there for when you've complained to the firm and aren't happy with the answer.

The steps

  • Complain to the firm first, in writing if you can, and keep a copy.
  • The firm usually has eight weeks to send its final response.
  • If you're unhappy with that response, or eight weeks pass without one, you can take the complaint to the ombudsman.
  • You normally need to do that within six months of the firm's final response.
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What it can do

If it upholds your complaint, the ombudsman can tell the firm to put things right, for example by refunding money, paying compensation or correcting your records. It's free for you to use.

Try it

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Type a name, tap a colour and pick what it does. The phone changes as you go.

Colour

What it does

Build mine

Design and preview your whole platform free, then launch when you are ready.

Who can use it

Individuals can, and so can many small businesses, charities and trusts, within limits on size and turnover.

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Where SendPay fits

SendPay platforms give your customers accounts, cards and transfers under your own brand, powered by licensed partners.

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How it works

Your own money app
  1. Name it and pick your colours
  2. Choose what it does
  3. Launch when you are ready

Why sign up

Create your free SendPay account

It's all about creating your own financial platform with ease. Start with a free account today.

  • A free business accountOpen it in about a minute with your business name, email, password and mobile. No card and no documents to start.
  • Get paid from day oneTake card payments, and share your own payment link and invoices so customers pay in a click.
  • A free business websiteFree to build, free to publish and free to keep, with unlimited visits.
  • Your own financial platformDesign and preview your whole platform free, then launch when you are ready.
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SendPay Business is a technology company, not a bank. Accounts, cards and payments are powered by licensed partners.

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Spotted a mistake or something out of date? and we'll fix it. How our guides are made

This guide is general information, not legal or financial advice. SendPay Business is a technology company, not a bank, and does not take deposits; regulated services on the platforms are provided by licensed partners. Other companies named in this guide are reference points only and are not affiliated with SendPay Business.