We’ve heard that a number of people have recently received letters from scammers claiming to be from the Financial Ombudsman Service.

The letter suggests that a refund is due for bank charges. This is followed by a letter claiming to be from HMRC confirming a refund of tax is due – this is part of the same scam. We have been in contact with HMRC about this.

Please do not respond to these letters. The Financial Ombudsman Service doesn't write to or phone people out of the blue to ask for personal information, or to suggest that a refund it due. We would only contact you if you've been in touch with us to register a complaint – and then we would only speak to you about that complaint. We're a free service so we will never ask you for money and we don't pay compensation to you directly.
If you have received a letter from us that seems suspicious and you’d like to check if it’s genuine, please phone us directly on 0300 123 9 123 and we’ll be happy to help.

For more information on what to look out for if you think someone is pretending to be fake Financial Ombudsman Service, head to Action Fraud’s website here.

Latest news

Financial Ombudsman Service driving reform and delivering improvements as it sets out its plans for next year

27 November 2025

The continuous delivery of changes and improvements to our service will be a key focus for 2026/27 as we launched a consultation on our Plans and Budget.

Press release Strategic plans and budget Consultations and responses

Read more 

Financial Ombudsman Service continues to see a fall in cases

29 October 2025

Our Q2 2025/26 complaints data shows that new cases coming to us have dropped by more than a third, as professional representatives bring fewer cases.

Press release Complaints data Data and Insight Business complaints data Product complaints data

Read more 

Keep your pension safe from scammers, warns the Financial Ombudsman Service

18 September 2025

Over the past five years hundreds of people have fallen victim to potential pension scams, the Financial Ombudsman Service revealed today.

Press release Pensions

Read more