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FOS Escalation — When the Bank Says No

1 in 3.5 CIFAS marker complaints are upheld by FOS. We make sure yours is one of them.

Escalate My Case From £249 to start · Money-back guarantee

When to Escalate

When to Escalate to the Financial Ombudsman

You can escalate your complaint to the Financial Ombudsman Service (FOS) when the bank has failed to respond within 8 weeks, or when you receive a final response letter rejecting your complaint. You have 6 months from the date of the bank's final response to escalate to FOS — after that, your right to escalate expires.

After 8 weeks with no response from the bank

If you receive a final response letter rejecting your complaint

You have 6 months from the bank's final response to escalate

After 6 months, your right to escalate to FOS expires

Our Process

How We Prepare Your FOS Case

STEP 1

Full Case Review

We review your entire case history — the marker, the bank's response, your evidence, and all correspondence to identify the strongest grounds for FOS escalation.

STEP 2

Evidence Compilation

We compile and organise all evidence into a clear, structured package that makes it easy for the FOS adjudicator to understand your case.

STEP 3

Legal-Style Complaint Drafting

We draft a professional, legal-style complaint document that cites relevant FCA rules, banking regulations, and previous FOS decisions to support your case.

STEP 4

FOS Submission as Litigant in Person

We submit your case to FOS as a Litigant in Person — saving you the £250+ fee that Claims Management Companies charge. You keep 100% of any compensation awarded.

STEP 5

Follow-Up Management

We manage all FOS correspondence, respond to adjudicator queries, and track your case through to resolution — keeping you informed at every step.

FOS by the Numbers

214,600

Complaints handled by FOS in 2025/26

28%

Uphold rate for banking complaints

3–6 months

Typical FOS resolution timeline

£455,000

Maximum FOS award (April 2026)

Self-Representation

Why Self-Representation Works

The FOS was designed for consumers to self-represent — you do not need a solicitor or Claims Management Company. In fact, 75% of CMC complaints have been dropped since new fee rules, meaning consumers are successfully self-representing. When you self-represent, you keep 100% of any compensation awarded — no CMC fees deducted.

75% drop in CMC complaints means consumers are successfully self-representing

You keep 100% of any compensation awarded — no CMC fees deducted

FOS was designed for consumers — no solicitor required

We provide the legal-style drafting and case management without the CMC fees

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