How to complain

The whole process, start to finish — and then the page for exactly where you are. Free, checked against the rules, written to be used.

How to complain, and what to do when they say no

The four steps, the two deadlines that decide everything, and the exception for payments and scams. If you read one page, read this one.

Where are you up to?

How to write a complaint letter that gets taken seriously — with a template and the exact sentences that trigger your rights.

Whether that letter really counts as a final response, when the six-month clock starts, and what to do with the offer.

The waiting periods that turn silence into grounds, and how to escalate when they never reply.

The schemes, one page each

Banks, insurers, lenders, cards, investments. Coverage, both clocks, what it can award, and how to refer.

Two questions and we’ll route you — including when no ombudsman exists at all. More scheme pages are on the way.