Who are we? What service do we provide?

Created in the late 1990's as part of an enhanced regulatory framework for the financial services sector, the Financial Services Ombudsman is a statutory officer that deals with complaints from consumers.

We manage complaints about consumers individual dealings with a range of financial institutions and service providers that have been unresolved. We act as an arbiter of these unresolved issues and are completely impartial. We offer a free service to the complainant. We will deal with your complaint however we will not offer you advice relating to your complaint as our service is purely investigative.

Matters that concern any broader issues relating to consumer protection will be dealt by the Irish Financial Regulator.

When do I make a complaint?

If you have tried to follow the correct internal complaints procedures of your financial service provider however you remain unsatifed the Financial Services Ombudsman may investigate a complaint for you.

What types of complaints can we help with?

• The provision of any financial service
• Any offers to provide a financial service
• Failures in the provision of a particular financial service that you have requested

FSO Annual Review 2014

Information about repayments whilst complaint is progressing

Mortgage Arrears Resolution Process

Payment Protection Insurance

Who can be subject to investigation?

• Banks
• Building Societies
• Insurance Companies
• Credit Unions
• Mortgage or Insurance and other credit intermediaries
• Stockbrokers
• Pawnbrokers
• Money Lenders
• Bureaux de Change
• Hire Purchase providers
• Private Health Insurance companies
• Retail Credit Firms
• Home Reversion Firms