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FSCL Brand

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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How to make a
complaint

Find out about the complaint process and how we can help you reach a solution with your provider.

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provider

Search our directory of providers who are a member of our scheme.

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Discover the benefits of becoming a member of our scheme. Register here to join.

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How can we help?

Find out about the complaint process
and how we can help you reach a
solution with your provider.

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How have we helped?

FSCL Cases

Case studies

  • Won’t you reconsider?

    The lender declined Breanna’s application for unforeseen financial hardship because they did not consider her change in circumstances to be unforeseeable.

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  • Agreed value or market value?

    Martin thought his car was insured for agreed value but was surprised to find the car was insured for market value.

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FSCL News

News

  • FSCL and IFSO Scheme proposed merger as from 1 July 2025

    The Ombudsmen for Financial Services Complaints Ltd (FSCL) and the Insurance & Financial Services Ombudsman Scheme (IFSO Scheme) confirm the two organisations are in a formal process of evaluating a merger.

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  • Small business loan unaffordability complaints on the rise

    As more Kiwi businesses are falling behind on debt payments, Financial Ombudsman, Susan Taylor, is reminding small business owners to seek advice before applying for business loans as the protections afforded by the CCCFA (Credit Contracts and Consumer Finance Act) only apply to consumer loans.

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