We resolve thousands of disputes each year. These case studies highlight the trends we are seeing, and are based on actual disputes we have considered.
If we can’t resolve a dispute through negotiation or conciliation, we may make a written decision. All of our decisions are based on what is fair in all the circumstances, taking into account the law, any applicable industry codes of practice, and good industry practice. You can read past Determinations by searching our decisions database.
The FOS Approach
We have created a series of documents that explain how we reach decisions about key issues. Read the FOS Approches relating to common issues and dispute types that we receive.
The Comparative Tables present dispute statistics about financial services providers that are members of FOS. For each financial services provider listed, the tables show the likelihood of a dispute coming to FOS, the average time it took to reach a resolution, and the outcomes achieved through our resolution process.