Financial Ombudsman Service
SBC Financial is committed to providing the highest standard of service to all our clients. If you have a complaint, we will always do our best to resolve it fairly and promptly. However, if you remain dissatisfied after raising a complaint with us, you have the right to refer the matter to the Financial Ombudsman Service (FOS) — a free, independent service available to eligible consumers.
What is the Financial Ombudsman Service?
The Financial Ombudsman Service is a free, independent service set up by Parliament to resolve disputes between consumers and financial businesses. It is entirely impartial — it does not take sides, and its decisions are based on what is fair and reasonable in the circumstances of each individual case.
The FOS can consider complaints about a wide range of financial products and services, including mortgages, pensions, investments and insurance. If the Ombudsman upholds your complaint, it can require the firm to put things right and, where appropriate, pay compensation.
When Can You Contact the Ombudsman?
Before contacting the FOS, you must first raise your complaint directly with SBC Financial. This gives us the opportunity to investigate and respond to your concerns. We will acknowledge your complaint promptly and aim to resolve it as quickly as possible.
If we have not resolved your complaint within 8 weeks of receiving it, or if you are dissatisfied with our final response, you may refer your complaint to the Financial Ombudsman Service. You generally have 6 months from the date of our final response letter to do so.
The FOS service is free to consumers. Referring a complaint to the Ombudsman does not affect your legal rights.
Contact the Financial Ombudsman Service
You can contact the Financial Ombudsman Service using any of the following:
Our Complaints Process
We take all complaints seriously and encourage clients to contact us in the first instance. Whether by phone, email or in writing, we will acknowledge your complaint promptly, investigate it thoroughly, and keep you informed throughout the process. Our aim is always to resolve concerns quickly and fairly — without the need for third-party involvement. If you would like to get in touch, please use the details below.
Contact UsSBC Financial is a trading style of Steven John O'Neill, who is authorised and regulated by the Financial Conduct Authority. FCA reference number: 997666. The Financial Ombudsman Service is available to private individuals and certain small businesses. Eligibility criteria apply — please visit www.financial-ombudsman.org.uk for full details.