Send Letters OnlineComplaint guide
Financial Ombudsman complaints: form and postal guide
Find the official free complaint route for unresolved financial disputes. If you prefer physical correspondence, prepare a covering letter and choose optional UK printing and postage.
How it works
Three steps, no printer required
1. Write or upload
Type your letter in the composer or upload a PDF / Word doc. We pre-fill the right Royal Mail service for this destination.
2. We print, fold and frank
Your letter is printed on quality 100gsm paper at our UK facility, folded, sealed and franked - usually the same working day.
3. Royal Mail delivers
Handed to Royal Mail for delivery on the service you chose, with a tracking link emailed to you where applicable.
The Financial Ombudsman Service (FOS) considers eligible complaints about UK financial businesses free of charge. Complain to the business first. For most complaints it has up to eight weeks to respond; some payment-related complaints have shorter response periods. If you receive a final response you disagree with, or the applicable response period expires, check whether you can refer your case.
Looking for the Financial Ombudsman complaint form? The official online form is free and is described by FOS as the easiest way to bring a new complaint. Use the official form link below, not a paid claims service. If you prefer physical correspondence, its published postal address is Financial Ombudsman Service, Exchange Tower, London, E14 9SR. Follow any requests for a completed form or further information.
A covering letter should identify the business, complaint reference and original complaint date, explain the unresolved issue and requested remedy, and list copies of relevant evidence. Include the final response if available. Referral is normally within six months of the final response, subject to the official exceptions and other time limits. Keep the deadline in view and allow time for delivery if using post.
We are an independent optional printing and postage service, not the Financial Ombudsman Service and not a claims representative. You do not need to buy postage from us to complain. A proof-of-postage certificate does not confirm that FOS has accepted your case.
Before submitting, read how to make a Financial Ombudsman complaint for the evidence checklist and a covering-letter example.
Need help structuring a covering letter? Use our ombudsman complaint letter template alongside the official submission instructions.
For a first complaint to the business, use the formal complaint letter template.
Before escalating, read what a final response or deadlock letter means.
Why send through us
- Posts directly to the Financial Ombudsman Service's Exchange Tower address
- Attach and post supporting documents alongside your letter
- Same-day despatch before 2:30pm UK time
- Free proof of postage certificate with every letter
- Content encrypted and kept private
Pricing
From £2.99 · Signed For from £8.54 if you want proof of delivery.
Includes printing, folding, envelope, Royal Mail postage and same-day despatch from our UK facility.
Start writingFrequently asked questions
Do I have to complain to the business first?
Yes. Complain to the business first. Most complaints allow eight weeks for a response, but some payment-related complaints have shorter periods. You may be able to refer a complaint after an unsatisfactory final response or once the applicable response period expires. Check FOS guidance for your case.
Where is the official Financial Ombudsman complaint form?
The free official form is at complaintsubmission.financial-ombudsman.org.uk, linked from the Financial Ombudsman Service website and this page. Our print-and-post service is optional and is not the official complaint form or a requirement for opening a case.
How long do I have to refer a complaint to the Financial Ombudsman?
Normally you must refer within six months of the date on the business's final response. Exceptions and other time limits can apply, so check the current FOS guidance and your final response rather than relying on a general template.
What address do I send a complaint to the Ombudsman?
Financial Ombudsman Service, Exchange Tower, London, E14 9SR. You can also complain online or by phone, but posting your letter alongside copies of your final response letter and any supporting evidence is a common way to open a case with everything in one place.
Is complaining to the Financial Ombudsman Service free?
Yes, it's free for consumers. The Ombudsman is funded by the financial businesses it investigates, not by complainants, and its decisions are binding on the business if you accept them.
How quickly will my letter be posted?
If you place your order before 2:30pm UK time on a working day, your letter goes into the post the same day. Orders placed at or after 2:30pm UK time, at weekends, or on UK bank holidays are despatched on the next working day.
Is my letter content kept private?
Yes. Content is encrypted in transit (TLS 1.3) and at rest (AES-256), retained for 90 days for re-print in case of return, then automatically deleted. We are UK GDPR compliant and registered with the ICO.
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Type or upload your letter. We print, fold, frank and post it from our UK facility - usually the same working day.
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