Updated October 2026 · Fraser Bond
Finance · Disputes
Resolving financial disputes
Complainfirst
8 weeksthen FOS
Freeservice
Courtalternative
In short: Most disputes with UK banks, lenders, insurers and investment firms start with a formal complaint to the firm. If you're unhappy with the final response, or eight weeks have passed, you can take it to the Financial Ombudsman Service for free, usually within six months of the final response. The Ombudsman can award compensation up to a set limit, which is updated each year. You don't need to pay a claims company. Fraser Bond is a property agency, not a recovery firm; this is independent guidance.
How to resolve it
1
Complain to the firmIn writing, with evidence.
2
Wait for a final responseUp to eight weeks.
3
Go to the OmbudsmanFree, online or by phone.
4
Consider courtFor larger claims.
Frequently asked questions
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