This book cuts a path through the rules of the Financial Ombudsman Service (or ‘FOS’) with practical guidance to the law and procedure of FOS complaints. It provides an indispensable guide for lawyers navigating such complaints, and for those who wish to challenge FOS decisions before the Courts. It also addresses the difficult area of how FOS complaints interact with Court procedures. ABOUT THE AUTHORS Adam Temple is a barrister at 4 Pump Court, specialising in financial services law. He regularly appears for the Financial Conduct Authority in regulatory cases, and for banks, IFAs and insurance companies in all manner of disputes. He has particular expertise in FOS claims and is regularly instructed to advise on matters of systemic interest to his clients. He has appeared for an Interested Party in a judicial review of a FOS decision. Robert Scrivener is a barrister at 4 Pump Court. He routinely acts in banking and financial services disputes, particularly appearing for insurers, banks and other authorised firms. He has been instructed on a number of cases arising from FOS decisions, and is often instructed in disputes giving rise to issues under the Financial Services and Markets Act and the FCA Handbook.