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If you have a problem with your bank
Sometimes banks will waive fees for accidentally going overdrawn if you ask nicely - and don't make a habit of it! But what if you've got a bigger problem than that?
the Financial Ombudsman Service provides consumers with a free, independent service for resolving disputes with financial firms
Before you go to the ombudsman you need to have complained to the company in question
complaining to the firm directly -
It’s usually best to complain to the firm in writing. But if you
phone, ask for the name of the person you speak to. Keep a note of this
information, with the date and time of your call – and what was
said. You may need to refer to this later.
Always stay calm and polite, however cross or upset you get.
If you shout or swear then they may put the phone down on you. Keeping
calm is very important.
Try speaking to the same person if possible. If they can't help or are
not available ask for whoever deals with complaints or to speak to a manager.
When you write a letter of complaint keep it short and to the point. If
necessary use bullet points to get the facts down.
Keeping things straightforward allows people to understand easier what
the problem is.
Write down the facts in a logical order and stick to what is relevant.
Include details like account numbers and dates.
Keep copies of letters you send.
What is that doesn't sort out the problem?
Keep all paperwork & copies relating to your complaint.
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about the Financial Ombudsman Service
The Financial Ombudsman Service may be able to help if you have a financial
complaint you cannot sort out with your:
bank
building society
mortgage firm
financial adviser
friendly society or credit union
insurance firm
investment firm
stockbroker
unit trust company.
The Financial Ombudsman Service was set up by law to give consumers a
free, independent service for resolving disputes with financial firms.
The obudsman can help with most financial complaints about:
banking services
credit cards
endowment policies
financial and investment advice
insurance policies
investment and fund management
life assurance
mortgages
personal pension plans
savings plans and accounts
stocks and shares
unit trusts and income bonds.