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Three routes can return money after very different payment problems. Choosing the correct one depends on how you paid, what went wrong and whether the payment was a purchase, an unauthorised transaction or a bank transfer to a fraudster.
New powers to dismiss some financial complaints will take effect on 1 October 2026. Wider proposals, including a ten year time limit and changes to how the Ombudsman judges fairness, are still before Parliament.
New FCA rules bring serious workplace misconduct more clearly into the financial-services accountability regime. Separate reforms to the Ombudsman system aim to identify widespread customer harm earlier and resolve more complaints before escalation.