Value proposition

A free and easy to use service, set up by Parliament. We settle complaints between consumers and financial businesses.

We’ve been sorting out complaints between financial businesses and their customers since we were set up by Parliament in 2001. Our service is free for consumers, and every year well over 1 million people contact us with queries and complaints about all kinds of financial products and services, for example:

o bank accounts, payments and cards
o payment protection insurance (PPI)
o home, car, travel and other types of insurance
o loans and other credit, like car finance
o debt collection and repayment problems
o mortgages
o financial advice, investments and pensions

If a financial business and a consumer can’t resolve a complaint themselves, we’ll investigate and give an unbiased answer about what has happened. If we decide someone has been treated unfairly, we’ll use our legal powers to put things right.

When we decide a financial business has behaved unfairly, we tell them what they should do to put things right. And when we don’t uphold a complaint, we help give people a better understanding of why a business has acted in the way they have. Our work is often challenging, but it makes a real difference to people’s lives.

Working for us means you’ll get the satisfaction of helping others, and helping to make the financial sector fairer. Our staff tell us that they’re proud of the work they do, helping to put things right. What we do here makes a positive difference every day. Find out more about what we do, what it's like to work here and the roles we offer on our career pages, or by visiting our website.


bank accounts, insurance, credit, debit & store cards, loans, PPI, mortgages, repayment problems and debt collection, money transfers, financial advice, savings and investments, pensions, small businesses, claims management companies, payday loans and other lending, and Dispute resolution