The Financial Ombudsman Service (FOS) is a free external dispute resolution service that fairly and independently resolves disputes between consumers (including some small businesses) and member financial services providers. Consumers can lodge a dispute against member financial services providers online.
If you have a dispute with a bank, utility provider or Telco and you are unable to resolve the dispute directly with them, you may be entitled to lodge a complaint with that provider's external dispute resolution scheme.
Click on the links below to find out more about each scheme and whether your provider is a member.
The Credit and Investments Ombudsman (CIO) is a free external dispute resolution service providing consumers and member financial service providers with an independent and fair dispute resolution service. Consumers can lodge a dispute against member financial service providers online.
The TIO is a free and fair dispute resolution service for small business and residential customers who have a complaint about their telephone or internet service in Australia. It is independent and does not take sides. Its goal is to settle disputes quickly in an objective and non-bureaucratic way.
The Energy and Water Ombudsman receives, investigates and facilitates the resolution of complaints from residential and small business customers about their electricity or gas provider. It can investigate a wide range of complaints, including electricity/gas supply and billing disputes. Its services are free to residential and small business customers in Western Australia.