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?
- Building Societies
- Insurance Companies
- Credit Unions
- Health insurance companies
- Money Lenders
- Bureaux de Change
- Hire Purchase providers
- Mortgage, Insurance & other credit intermediaries
- Retail Credit Firms
- Home Reversion Firms
- How we Handle Complaints
- Dispute Resolution Officer Advert
- Dispute Resolution Officer - Info Booklet
Court of Appeal Miller Judgement - 24.06.15
Judgment of Finlay Geoghegan (FSO v Millar)
Judgment of Kelly (FSO v Millar)
- Information about repayments whilst complaint is progressing
- Mortgage Arrears Resolution Process
Code of Conduct on Mortgage Arrears (CCMA)
The Financial Services Ombudsman notes the findings of the Central Bank's investigation into certain lenders adherence with the statutory Code of Conduct on Mortgage Arrears (CCMA). This Code is intended to provide protection for borrowers struggling to keep up mortgage repayments. Customers who have a concern or complaint regarding their lenders' compliance with the CCMA, or any other issue under the remit of the Financial Services Ombudsman should firstly make a complaint to the service provider. If the provider does not resolve the complaint to their satisfaction they may then lodge a complaint with the Financial Services Ombudsman's Bureau.
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.
2. Once you have completed this step you can submit your complaint to us
Not sure if you can submit a complaint? Find out the answers to your questions below.
Learn about the procedure for the investigation of a complaint and how we reach a decision.