Our service can be used by a wide range of people, but sometimes we might not be able to help.
Customers we can help
We can help a range of people with their complaints about financial products or services. Official rules set out the full detail of who we can and can't help, but broadly we can look at complaints from:
- an individual customer – or joint customers – of a financial services business
- individuals who act as personal guarantors for loans to businesses they’re involved in
- a ‘micro-enterprise’ (a type of small business) with an annual turnover or balance sheet that does not exceed €2 million and fewer than ten employees
- a charity with an annual income of less than £6.5 million
- a trust that has a net asset value of less than £5 million
- a small or medium-sized enterprise (SME) with an annual turnover of no more than £6.5 million and fewer than 50 employees – see our dedicated site for SMEs
If you're a business, charity or trust
You can get an indication of whether we can help by answering a few questions on our dedicated site for small businesses:
Generally, we can help with complaints about businesses that provide retail financial products and services in or from the UK. It doesn’t matter what your nationality is or where you live.
For complaints about businesses based outside the UK, you may be able to get help from an equivalent complaints-handling body. If you want to make a complaint about a financial service provider in another EEA country, get in touch with us and we can direct your complaint to the right organisation.
Alternatively, contact FIN-NET, the Europe-wide network of financial ombudsmen and organisations dealing with financial complaints. You might find it helpful to watch their video, which explains what they do and how they can help.
Complaints we can’t help with
As well as time limits and some cross-border complaints, there may be other reasons why we can’t help with a complaint. For example, we won’t usually look into a problem that’s been decided by a court, or one that we’ve looked at already. We publish some sample case studies that give further examples.
Sometimes we can’t help because your complaint should be dealt with by a different organisation or service. For example, we can look at complaints about mobile phone insurance policies – but complaints about mobile phone contracts should be dealt with by the communications ombudsman. If we can’t help, we'll try to let you know who can.