How long will my appeal to the Financial Ombudsman Service (FOS) take?


When making PPI claims, the Financial Ombudsman Service (FOS) are on hand to aid with any difficult or rejected cases. If you are entitled to compensation but have been refused in the past, or are dealing with a difficult case, you may be able to enlist the help of the FOS. Here, we’re exploring just how long an appeal to the ombudsman might take and what factors affect the speed.

Case Complexity

Every case that is bought to the FOS’s attention is different and the complexity of the complaint is one of the key elements that add to the time it will take for your complaint to be processed. This is important to remember when you make a claim through the FOS as this can change from case to case. Ideally, having the documentation and information on hand when they’re needed can help speed up the process, but this isn’t always possible so you may need to be patient if your case is complex.


As mentioned previously, one way that you can ensure that your case is dealt with as quickly as possible is to provide the company with all the additional information that they may need. This is important as this will ensure that they have the evidence that they need to get the very best result for you. If the FOS requires more information from you it is crucial that you respond to this in good time as this will ensure that they can help you get the results you desire as quickly as possible. However, if you are unsure as to whether or not you are eligible to make a claim or are unsure where to start your chosen claim company can help you make that first initial step.

The Six Month Rule

If you are not happy with the desision of the bank/lender you have 6mths from the date of their final response letter to refer your case to FOS. If you do not refer the case to FOS within the 6mths they will only look at the case if you have a solid reason why you have been unable to do so, such as an illness, bereavement, you can prove you did not receive the final response letter.Time Of Application

Over the years, there has been an increase in the number of people filing successful claims for PPI and the number is still going up. Due to this, there are some periods throughout the year that are much busier than others and therefore the time it takes for your application to be processed can completely depend on this. It’s important to ensure that you make your claim as quickly as possible to increase the chances of your claim being processed quickly.

Your application to the FOS can take longer depending on a multitude of variables and therefore it is important to remember to be patient. As long as they have all the information that they need, you can rest assured that your claim will be handled as quickly as possible with minimal fuss.

If you’d like help with your FOS appeal, get in touch with a member of our team or fill in our contact form, today.