We use cookies to allow us and selected partners to improve your experience and our advertising. By continuing to browse you consent to our use of cookies. You can understand more and change your cookies preferences here.

Consumer Rights.

Financial complaints

Dealing with financial complaints can be a tricky business. Our guides can guide you through the complaints process and help you get the best results.

Where do I go if I have a bank complaint?

Find out your consumer rights and how to complain if you have a dispute with your bank.

Which?

Can I take my financial complaint to the financial ombudsman?

The Financial Ombudsman Service can help you with a financial complaint. Find out when, and how, to use the service.

Which?

Who regulates the people who sell me financial products?

The Financial Conduct Authority regulates financial companies and it is their responsibility to make sure that companies adhere to strict regulations.

Which?

What to do if your bank goes out of business

This guide explains what FSCS protection you are entitled to and how much you can claim if your bank or building society goes out of business.

Which?

I think I’ve been mis-sold a financial product, what can I do?

This guide can help you to identify if you’ve been mis-sold a financial product and offers steps on what to do next.

Which?

Open banking vs screen scraping, what are my rights?

If you use banking apps to help you save money, you should know how open banking and screen scraping impact your rights if things go wrong.

Which?

How do I complain about a bad financial service?

This step-by-step guide walks you through the complaints process and how to escalate your complaint to the ombudsman.

Which?

Online banking and app problems from IT outage - what are my rights?

If you’re experiencing online banking or mobile app problems today, we explain what you can to get things resolved and make a claim for losses.

Which?

I think I’ve been mis-sold my packaged account, what can I do?

Packaged accounts, also known as fee-charging bank accounts, don't come cheap. If you believe you've been mis-sold your packaged account, read what you should do in our Which? guide.

Which?

Template Letters

Free download

Letter to complain about bad advice from a financial adviser

Use this letter template to complain about bad advice from a financial adviser and seek redress when a financial product does not meet your needs.

Free download

Letter to the financial services compensation scheme

Use this letter template to ask the financial services compensation scheme (FSCS) to compensate you for financial mismanagement after a financial company has gone bust.

Free download

Letter to the Financial Ombudsman Service about a bank dispute

Are you having a dispute with your bank that you're unable to resolve? Use this letter template to write to the Financial Ombudsman Service to ask them to intervene.

Regulations

The Financial Services Regulations 2004

The Financial Services (Distance Marketing) Regulations cover most financial services made a distance - such as online or over the phone - whether made directly or through an intermediary.