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We are an independent not-for-profit
dispute resolution service

We resolve complaints about financial service providers. We are free
for consumers. We resolve complaints fairly. We share lessons learnt.

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FSCL Cases

Case studies

  • CCCFA obligations apply to mobile traders

    Craig’s mobile trader failed to comply with their responsible lending obligations when assessing loan affordability and did not cancel the direct debit instruction when the item had been paid for.


  • Where are my payments? 

    Charlotte contacted her lender when she noticed repayments she had made to them were missing from her card account. The lender found the payments in another customer’s account and transferred them to Charlotte’s account. Charlotte was not satisfied with how the lender handled the matter, and she believed they had acted fraudulently.




  • Financial Ombudsman Service sees complaints ramp up as cost-of-living bites

    Financial Ombudsman, Susan Taylor, is urging consumers to speak to their lenders as soon as they begin to struggle making loan repayments, as the free financial dispute resolution service sees a marked increase in complaints.


  • Unaffordable debt- lender writes off balance of loan

    Financial Ombudsman service, Financial Services Complaints Limited (FSCL), has welcomed the decision of a lender to write off the balance of an unaffordable loan after a consumer found themselves unable to service their debt.