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Issue 15 - Spring 2013

The FOS Approach to disputes lodged by guarantors


We publish the FOS Approach to help make it as easy as possible for everyone to understand how we consider disputes about particular issues. This includes the different elements we will consider and the relevant Codes, legal principles, obligations and industry best practice that we will apply. We want to share this knowledge so that everyone can learn from the thousands of disputes we see each year.

The latest document in this series talks about the types of guarantor disputes we can consider, and the types of things we take into account when we look at whether a financial services provider fulfilled its obligations when it accepted a guarantee. A guarantor is a person or business who guarantees to pay back a loan if the borrower does not.

You can read our whole Approach to disputes lodged by guarantors here.

Visit to see all the available FOS Approach documents.