Financial Ombudsman Service Australia

The Financial Ombudsman Service (FOS) Australia offers fair, independent and accessible dispute resolution for consumers who are unable to resolve complaints with member financial services providers.

A not-for-profit, non-government organisation, FOS resolves disputes quickly and efficiently, providing a cheaper alternative than going to court. Our service is free of charge for applicants, with the costs of running the service being met by our members.

Our members include banks, insurers, credit providers, financial advisers and planners, debt collection agencies and other businesses that provide financial products and services.

How we help

We resolve disputes between consumers and financial services providers:

• in a cooperative, efficient, timely and fair manner
• with minimum formality and technicality, and
• as transparently as possible, taking into account our obligations for confidentiality and privacy.

This involves understanding all aspects of a dispute without taking sides, and making decisions based on the specific facts and circumstance of each dispute.

FOS does not provide legal or financial advice. Details of consumer advocacy and legal services are available at www.fos.org.au.