Who we are

The Financial Services Ombudsman is a statutory officer who deals independently with unresolved complaints from consumers about their individual dealings with all financial service providers. It is a free service to the complainant. We have set up a wide range of general information on our site. If you would like further information we would be delighted to hear from you.

Who can the Ombudsman help?

  • Personal customers of financial services providers
  • Limited Companies Charities, Clubs, Trusts and Partnerships with turnovers of less than €3 million

Which financial service providers can the Ombudsman investigate?

  • Banks
  • Building Societies
  • Insurance Companies
  • Credit Unions
  • Stockbrokers
  • Health insurance companies
  • Money Lenders
  • Bureaux de Change
  • Hire Purchase providers
  • Mortgage, Insurance & other intermediaries
  • Retail Credit Firms
  • Home Reversion Firms

NEWS

Complaints over 6 years

On 14th July 2017, the Central Bank and Financial Services Authority of Ireland (Amendment) Act 2017 was passed by both Houses of the Oireachtas, and it was signed into law by President Higgins on the 25 July 2017.

This legislation will have significant implications as it will amend the current 6 year limitation period for certain types of complaints. Arising out of this change, this Office expects to receive a large number of queries in relation to complaints which previously could not be dealt with by this Office.

Any complainant who has had a complaint to this Office previously declined because of the date of the conduct complained of, may now resubmit that complaint for consideration.

To register such a complaint, click here. We will acknowledge all complaints at the time of receipt, and will keep complainants updated on timeframes in the normal fashion.

We anticipate a high volume of queries and complaints to be submitted on foot of this change. We would ask consumers to be patient while we deal with these.

Please find a link to the legalisation here

Career Opportunity

Director of Corporate and Information Services

The offices of the Financial Services Ombudsman and the Pensions Ombudsman will shortly be merged to form the Financial Services and Pensions Ombudsman.

The Office is seeking to recruit a Director of Corporate and Information Services.

This senior management post is an exciting and challenging opportunity for a highly motivated, talented and experienced person to join a dynamic team that is committed to quality customer service and the highest standards of public service.

The person appointed will have a strong clearly demonstrated record of achievement in their career to date demonstrating management, leadership and analytical skills at the highest level.

Full details of the role and the application process are available here

Investigation Officer

The Office is seeking to recruit an Investigation Officer.

Investigation Officers engage with parties to a dispute in actively and fairly investigating complaints. This includes identifying and collecting the necessary evidence, exchanging evidence and submissions between the parties and preparing files for adjudication.

Full details of the role and the application process are available here

Adjudication Officer

The Office is seeking to recruit an Adjudication Officer.

Adjudication Officers support the fair and impartial adjudication of disputes between consumers and financial service providers by collating and considering the necessary evidence and drafting preliminary findings and legally binding findings.

Full details of the role and the application process are available here

Clerical Officer

The Office is seeking to recruit a Clerical Officer.

Clerical Officers work in various areas of the Office and are required to provide a range of administrative services including reception, provision of information, complaint registration and progression including data entry, scanning and filing and a variety of administrative duties.

Full details of the role and the application process are available here

These posts offer an exciting and challenging opportunity for highly motivated, talented and experienced people to join a dynamic team that is committed to quality customer service and the highest standards of public service.

The closing date for applications is 31st of August 2017.

 

Looking for information on your consumer rights or personal finance?

ccpc
Visit the Competition and Consumer Protection Commission's (CCPC) Website
The CCPC's role and function includes:

  • Personal finance information and education.
  • Informing consumers about their rights

I have a complaint

What should I do first?

You need to make a formal complaint to your financial services provider before making a complaint to this office.

Helpful information when making a complaint to the provider

2. Once you have completed this step you can submit your complaint to us

Online Complaint Form


 

Other Quick Guides

Download our Quick Guides


 
FIN-NET

How to make a complaint about a financial service provider in another EEA country

FIN-NET is the Europe-wide network of financial ombudsmen and consumer-complaints organizations - covering the 30 countries in the European Economic Area. It is responsible for settling consumers' complaints in the area of financial services out of court.

Find out more https://ec.europa.eu/

Eligibility

Not sure if you can submit a complaint? Find out the answers to your questions below.

Complaints Process

Learn about the procedure for the investigation of a complaint and how we reach a decision.

Codes of Conduct

Read some useful consumers guidance relating to the provision of financial services.