The Financial Services and Pensions Ombudsman is an independent, impartial, fair and free service that helps resolve complaints with pensions providers and regulated financial services providers.


The FSPO is aware of complaints arising against financial service providers, owing to the impact of Covid-19, including the cancellation of events and the ongoing interruption of normal business activities as a result of Government restrictions and the ongoing requirement to maintain social distancing.

Complaints arising from such circumstances will be dealt with by the FSPO in accordance with its usual procedures. This includes any complaints arising from "business interruption" insurance claims.

To enable the FSPO to progress such complaints as quickly and efficiently as possible, please follow the guidance outlined in our guide "3 Steps to Making a Complaint to the FSPO".

Once those steps have been taken, the complaint will be moved to our Dispute Resolution Service, which is the quickest way to resolve complaints informally by way of mediated agreement. We aim to complete the Dispute Resolution Service process within a period of 12 weeks.

If a complaint is not resolved within the Dispute Resolution Service, the complaint will then progress to a formal investigation, ultimately leading to a Legally Binding Decision. This process, of necessity, takes considerably longer as it involves the gathering of documentary and audio evidence and the parties' respective comments and observations, all of which are shared between the parties prior to the adjudication of the complaint upon its own individual merits.

To avoid delay, if you are making a complaint on behalf of a business, please ensure that the appropriate supporting documentation is made available as soon as possible to validate turnover. The FSPO accepts complaints from any business with an annual turnover not exceeding €3 million in the year prior to which the complaint is made.

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