Financial Ombudsman Service Reviews - www.financial-ombudsman.org.uk

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Latest Reviews

★☆☆☆☆

“The double whammy”

Written on: 19/09/2021 by EddieMcGraw (1 review written)

Ombudsman said they can't dictate how Aviva run their business. Aviva used a false report in order to decline my claim. That's nothing to do with dictating to a company that's being complicit the report was never removed for me its a company maintaining a lie as they had ample time to remove the report. The appointed assessor by Aviva conducted a fake survey he stated there was no visible damage in need of repair he never evidenced the end of the house where the damage was clear this was the… Read Full Review

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★☆☆☆☆

“What impartiality?”

Written on: 22/08/2021 by Helenf11 (1 review written)

Slow.No copies of written correspondence with the culpable party. All way too opaque. Multiple requests for the same data. Lack of compassion nor understanding of the overall distress.....compounded by an unprofessional untrained attitude to a case. And painfully nay insulting unacceptable time to process a complaint. The FOS staff are PAID by the subscribers per case taken on. Amounts almost to a bribe. It's how case workers and ombudsmen are remunerated. What insentive is there to assist the… Read Full Review

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★☆☆☆☆

“Meant to be impartial but far from it!! ”

Written on: 29/07/2021 by James956 (1 review written)

No moral principles This is an awful organisation who's practices need looking in to urgently. You only need to look a bit closer in to the individuals who are carrying out investigations in to complaints. This organisation doesnt work to a set of principles that are consistent. If you raise any queries or complain about a decision they won't actually address the issues you have raised and just reiterate what they have already said. I complained about an adjucator and the complaint was… Read Full Review

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★☆☆☆☆

“Government should get rid of this service!”

Written on: 23/11/2020 by Bransonh456 (1 review written)

Government should get rid of this service and replace by once backed up by the government. FOS is financed by the banks and financial institutions, so you will never win if you have got any complaint against banks. So don't waste your time or energy. They are so biased, unfair and definitely not independent. … Read Full Review

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★☆☆☆☆

“No1 way to waste your time”

Written on: 29/10/2020 by 352Andrews (1 review written)

I'm not sure they even exist. The nearest you will come to experiencing a 'Black Hole' on planet earth. This is how the government cone the public in leading you to believe you can make a claim against business. If you need to get money back or compensation then try to get a County Court Judgement (CCJ) and use baliffs. If this does'nt work then god help you but stay away from the FOS… Read Full Review

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★☆☆☆☆

“A service that sides with the offender.”

Written on: 06/07/2020 by Holiday Rep (17 reviews written)

I was so miffed by this pointless service, after producing and sending lots of paperwork they just took the side of the offender. I don't even think that they visited to compny that I complained about, more likely they just after all of my effort simply made a phone call. The only thing that they said was exactly the same thing that the car sale company had used to cover up their saleman disgraceful behaviour. I had already visited the company locally and also emailed a number of times their so… Read Full Review

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★☆☆☆☆

“should be disbanded on grounds of gross stupidity”

Written on: 11/03/2020 by plWillis65 (1 review written)

after wasting my time writing to these inept dilettantes and waiting forever for a reply they have furnished me with their impartial ( bwahahahahaha ) decision. Personally if the cretin who wrote their reply had actually read what i wrote then perhaps things might have made sense. Now apparently i have 2 loans not 1 as i told them, the loan insurance i was told was invalid by the PPI company as i had to be bankrupt before i could claim (didn't need it then) was never addressed. Of course the… Read Full Review

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★☆☆☆☆

“DO NOT USE UNLESS YOU WANT DISAPPOINTMENT”

Written on: 29/03/2019 by Gauge72 (1 review written)

Had a problem with warranties for insurance work carried out during the 2014 Somerset levels flooding. Ended up being forced by Coop insurance company to take my complaint to Ombudsman only to have it done by an Investigator who had no knowledge of the issues and did not even understand what the complaint was. Was then left waiting as I rejected her decision for month’s , when I asked how long before an Ombudsman would investigate was telephoned by her manager with what I can only describe… Read Full Review

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★☆☆☆☆

“poor service”

Written on: 15/12/2017 by Everette167 (1 review written)

the financial ombudsman may help you if your issue has an easy fix but do not use this service if your complaint is anything more than straight forward, my case was based around severely challenging times through ill health and family issues, proof was provided on request from the ombudsman but I still had to jump through hoops just to get responses from them, after all the trouble providing everything they requested I was bitterly disappointed to receive an email from them telling me they… Read Full Review

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★☆☆☆☆

“Pointless! ”

Written on: 12/10/2017 by MckinleyBoyd (1 review written)

I've used this ridiculous service twice ; I consider that to be qualified enough to spell it out for what it really is : a contrived service, not that dissimilar to an extended complaints procedure. Even in the the face of blatant complancy and / contempt from whatever institution you are seeking recourse : you will get none. The ombudsman service is little more than a "quango" that in all its contrived efforts, achieves nothing in the interest of the person/ persons raising the complaint… Read Full Review

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★☆☆☆☆

“Not worth the effort”

Written on: 09/10/2017 by 314Costello (1 review written)

Allianz insurance decided I was at fault after an accident based on an initial phone call - they didn't follow up any other evidence, didn't call me and when I finally call them their complaints department gave me the runaround for several months. FO handler says that this is all perfectly reasonable and upholds every point the insurers make using their exact wording too. Not at all impartial or independent, she couldn't even bother to come up with a different way to describe her decision… Read Full Review

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★☆☆☆☆

“Biased, Unfair, Unprofessional, Waste of Time”

Written on: 20/04/2017 by KaitlinKendall302 (1 review written)

I went to FOS after my endowment matured last October, to my utter shock after paying in £78.56 a month for the full 25 years whereby I paid £23568, I was told by Royal London that I would receive only £25568, target amount was £62400. Without even bothering to investigate my complaint at FOS upheld Royal London's decision because within a week of speaking with her, she wrote back to me with her biased decision. How a full investigation can be carried out so quickly is beyond me. Obviously… Read Full Review

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Ouuuch's Comment

Written on: 23/07/2017

I agree. Whenever I hear a consumer being advised to go to the Financial Ombudsman, my heart sinks. They are totally and utterly useless.

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★☆☆☆☆

“Biased, unfair and liars”

Written on: 01/12/2016 by debsue (1 review written)

I complained to the FOS about Halifax Bank with plenty of evidence to support my complaint. There was a taped telephone conversation where not only did the Halifax member of staff discuss my sons account but also lied about it and my son. Halifax refused to give this evidence to the FOS stating that they no longer had it, so the FOS agreed with Halifax that what I stated had happened in this phone call had never actually happened, as Halifax wrote a letter to that effect. I also sent further… Read Full Review

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★☆☆☆☆

“Corrupt and there to defend their paymasters, not the...”

Written on: 25/10/2016 by xlHolder160 (1 review written)

We were mis-sold wrong type of finance (not what we asked for and inappropriate for our needs) and we didn't realise it at the time and so we signed the forms Truth came out three years later and the FSO's position is "you signed the agreement so that's just too bad" The fact that the paperwork was for a mis-sold product didn't matter In summary, their position is : mis-selling is OK as long as the customer doesn't spot it at the time If you're looking for the FSO to stand up for you… Read Full Review

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★☆☆☆☆

“Standard life PPI”

Written on: 20/10/2016

Took over 2 years to get an incorrect decision. They did not know which business sold the PPI. It was Standard Life which mis-sold it. They thought it was barclays for nearly two years then it was Standard life for a week or two, then back to barclays. Used a form from Barclays that was made out by someone else and completely redacted. The form was introduced after I was misold PPI. Seemed not to matter who was responsible for the mis-selling as they are not impartial. Very unprofessional. CEO… Read Full Review

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★☆☆☆☆

“Free, fair, for everyone.... I don't think so”

Written on: 18/10/2016 by Glenn01 (2 reviews written)

Used the FOS with a dispute over vehicle valuation and retention following a non fault accident. Despite quoting my contract that stated I was allowed the option to keep my car the ombudsman said 'I can't see anything in your contract that says that'. In response to my pointing out the part that said 'you may retain your car and your policy will continue at your request' they said 'it's just my opinion that it does not say that'. I really can't see how a response like that can be deemed… Read Full Review

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★☆☆☆☆

“Waste of time! ”

Written on: 08/06/2016 by JettMurdock (1 review written)

Having sent my PPI details to the FOS that showed I was mis-sold them, they still find in favor of the banks and give silly reasons why. It's a complete waste of time and is set up for the Financial Companies to fool the customer!… Read Full Review

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Archenan's Comment

Written on: 02/09/2016

Maybe you agreed to it but now are trying to grab money like so many people jumping on the band waggon. Would like tos ee your credit ageement where youve asked for the ppi

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Chemoboy's Comment

Written on: 02/09/2016

Yes, I agreed to it but you had no choice at that time (1980s) even though you didn't want it and you told them and you would be failed for the loan or credit credit card you were aplying for if you didn't take out the PPI! No, I'm not jumping on a bandwagon and I have succeeded in all my PPI claims that I have paperwork on and persuade myself!!

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★☆☆☆☆

“car insurance company”

Written on: 13/05/2016 by NyasiaMcKenna (1 review written)

I took out private car insurance with my son on as named driver unemployed, he started working for a delivery company a few months later and was insured by his employer but he had an accident and gave the private company insurance details instead of his employer so 4 months later the private insurance was cancelled as they said it was illegal to use a private car for commercial use, but a month after the accident the private insurance sent a letter and new certificate saying change to named… Read Full Review

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★☆☆☆☆

[email protected]@k - ombudsman - the game rules revealed - FOS / IPCC”

Written on: 04/05/2016 by Jaidenm472 (1 review written)

The FOS is doing exactly what it is set up to do. And by the comments on here it is succeeding! It is one more demotivating bar to get justice, a hurdle to take BEFORE anything meaningful can happen. 1) you are dealing with a not-for-profit corporation 2) who is the paymaster? The Bank 3) therefore is it likely that they are going to -bleep- in their own handbag? 4) they don't hide their bias from you either - they tell you they 4a) 'like' a judge (see the wording here - like does not mean… Read Full Review

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★☆☆☆☆

“Total Bias”

Written on: 15/04/2016 by CobyGillespie (1 review written)

I HAVE USED THE FINANCIAL OMBUDSMAN SERVICE ON AT LEAST 5 OCCASIONS, THE END RESULT IS ALWAYS THE SAME , WE THE CUSTOMERS ARE ALWAYS WRONG AND THEY SUPPORT THE INSTITUTION STHEY ARE SUPPOSED TO INVESTIGATE THERE ARE A NUMBER OF ISSUES, THE ADJUDICATORS ARE BIASED AND IN MY OPINION TOLD TO SAY NO, NO, NO! THEY THEN PASS THE INFORMATION ON IN A BIASED FASHION, SO THAT WHEN THE OMBUDSMAN GETS THE INFORMATION THEY WILL SAY NO. NO POINT COMPLAINING TON THE MANAGERS, THEY LISTEN, DO NOTHING AND… Read Full Review

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Sazzy62's Comment

Written on: 05/05/2016

Completely agree with you. The FOS is not an adjudicator - as you say it is an illusion and a farce

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