How the “Targeted Support” era reshapes justice for victims of financial harm 🧩 Introduction: When Protection Becomes Permission The Financial Ombudsman Service (FOS) — long seen as the last resort for ordinary consumers — is quietly transforming. Beneath the headlines of “operational efficiencies” and “targeted support,” we’re witnessing the reshaping of Britain’s financial justice landscape. … Continue reading FOS Reforms: Why Citizen Investigators Must Step Forward Now
Tag: fos
Should a publicly accountable body like the FOS publish data on why complaints are refused?
Yes — and the fact that it doesn’t is a systemic problem. The Financial Ombudsman Service is not a private firm.It is a publicly funded, statutory dispute-resolution body created by Parliament to provide access to justice for people who cannot fight banks in court. Because of that, the FOS has three fundamental duties: Duty of … Continue reading Should a publicly accountable body like the FOS publish data on why complaints are refused?
🔍 When Access to Justice Becomes a Luxury — AI Opens a Third Door
How Citizen-Led Intelligence Is Reshaping Complaint Resolution in UK Financial Services By Steve ConleyFounder, Get SAFE – Support After Financial ExploitationAcademy of Life Planning 1. When Justice Is Paywalled, The Vulnerable Disappear In 2013, the UK Government introduced fees for bringing Employment Tribunal claims. The result was devastating: Total claims fell 70%. Claims from the … Continue reading 🔍 When Access to Justice Becomes a Luxury — AI Opens a Third Door
When Oversight Becomes Obstruction: What Evidence Suggests About the Financial Ombudsman Service
The Financial Ombudsman Service (FOS) was created to be the independent referee — the place where consumers could seek justice when financial firms failed them. Its role is vital: to provide fairness, transparency, and accountability in a sector where trust is already fragile. Yet evidence suggests a troubling pattern of behaviour inside the organisation. Instead … Continue reading When Oversight Becomes Obstruction: What Evidence Suggests About the Financial Ombudsman Service
When the Rules Change, So Must We: Why Survivors Should Consider the Goliathon & Get SAFE Approach
The Financial Ombudsman Service (FOS) is consulting on major changes to its case-fee model. Buried in the detail is a development that could reshape how victims of financial harm choose to seek justice. The proposed shift means professional representatives—claims management companies (CMCs) and law firms—may face outcome-linked fees and higher charges for cases that go … Continue reading When the Rules Change, So Must We: Why Survivors Should Consider the Goliathon & Get SAFE Approach
🛡️ Goliathon: Exposing Systemic Failures at the Financial Ombudsman Service
Is the Financial Ombudsman Service protecting consumers—or protecting the system? At Get SAFE (Support After Financial Exploitation), we are compiling a dossier of systemic issues in the way the Financial Ombudsman Service (FOS) handles complaints—particularly those involving fraud, maladministration, and regulatory failure. This is part of The Goliathon Project, a programme empowering Citizen Investigators to … Continue reading 🛡️ Goliathon: Exposing Systemic Failures at the Financial Ombudsman Service
Beyond the Perimeter: Why the Financial Ombudsman Is Failing Survivors of Financial Exploitation
"Justice too long delayed is justice denied." – Martin Luther King Jr. The Financial Ombudsman Service (FOS) was meant to be a safety net—a free, fair, and accessible route for ordinary people to seek redress when the financial system fails them. But for thousands of victims of financial exploitation, that promise rings hollow. At the … Continue reading Beyond the Perimeter: Why the Financial Ombudsman Is Failing Survivors of Financial Exploitation
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