Build a complete FOS complaint — step by step. Get your money back when the bank refuses to help
How FOS Works
1. Bank must respond within 8 weeks
2. If unsatisfied → complain to FOS
3. FOS investigates (free for consumers)
4. FOS decision is binding on the bank
5. Can award up to £430,000
What FOS Can Award
• Refund of charges/fees
• Compensation for distress
• Compensation for inconvenience
• Interest on amounts owed
• Correction of credit file
• Payment for financial loss
Tips for Strong Complaints
• Include all dates and reference numbers
• Attach bank statements as evidence
• Be specific about amounts
• State which rules/laws were broken
• Keep copies of everything