Raise a Concern with the CQC About an NHS or Care Provider
What the CQC can and cannot do, the Regulation 20 duty of candour, and how to raise a concern well — prepare yours to a professional standard in minutes.
Complaints & Ombudsmen, NHS
Complaints & Ombudsmen
To complain to an ombudsman, first raise a formal complaint with the company or council, reach deadlock (or wait eight weeks), then escalate to the right scheme — for free. Our plain-English guides walk you through every major UK complaints route step by step: the Financial Ombudsman Service (FOS) for banks, insurers and lenders, the Housing Ombudsman for disrepair and landlord complaints, the Energy Ombudsman for billing and back-billing disputes, the Pensions Ombudsman, and the Local Government & Social Care Ombudsman — including how to complain to your local council first, as the rules require. If you paid by card, you may not need an ombudsman at all: see our guides to chargeback disputes and Section 75 Consumer Credit Act claims, which can recover money directly through your bank. Every guide is free to read, with templates, deadlines and escalation steps — ombudsman schemes cost nothing to use, and you do not need a lawyer to complain well. If the ombudsman route does not resolve things and you decide to take the matter to court, our Money Claim Online complete walkthrough covers the whole process. When you’re ready, Chris can help you draft your own documents to a professional standard, in minutes. This is self-help guidance, not legal advice.
Complaints & Ombudsmen, NHS
PHSO Complaint: Take Your NHS Complaint to the Ombudsman
When the PHSO is the right door for an NHS complaint, the gateway conditions and what assessors weigh — prepare yours to a professional standard in minutes.
Energy back-billing and the 12-month rule: how to challenge a catch-up bill
Under Ofgem’s back-billing rule, a supplier can’t charge for energy used over 12 months ago it never billed for. Complain free, then the ombudsman.
Complaining to the Financial Ombudsman When the Bank Says No
A bank’s “final response” starts a six-month clock to take your complaint to the Financial Ombudsman — for free. Here’s the letter to send first.
Letters & Correspondence: Draft Any Letter, Complaint or Notice (England & Wales)
By the eLitigant Editorial Team · Reviewed for current forms, fees & procedure · How we check our guides Draft
Insurance Complaint Letter — Rejected or Underpaid Claim
By the eLitigant Editorial Team · Reviewed for current forms, fees & procedure · How we check our guides Draft
How to Make a Formal Complaint to Your Local Council (and Escalate to the Ombudsman)
By the eLitigant Editorial Team · Reviewed for current forms, fees & procedure · How we check our guides Draft
Care Act Complaint — Adult Social Care 2026 Guide
Care Act 2014 complaint — s.9 assess, s.18 duty to meet, charging, safeguarding, LGSCO, judicial review.
Financial Mis-Selling Complaint — 2026 Guide
Financial mis-selling — COBS, Consumer Duty, motor finance commission, DB pension transfers, IRHP, redress methodology.
Chargeback Dispute — 2026 Visa / Mastercard / Amex Guide
Chargeback dispute — reason codes, evidence, merchant representation, APP fraud reimbursement, s.75 overlap.
Section 75 Consumer Credit Act Claim — 2026 Guide
Section 75 CCA 1974 — joint and several liability, £100–£30,000 rule, 6-year window, FOS escalation.
How to Make a Financial Ombudsman Complaint (FOS)
Draft FOS complaint — FCA Handbook breaches, 8-week rule, loss calculation, distress awards, remedy sought.
Pensions Ombudsman Complaint — 2026 Guide
Draft a Pensions Ombudsman complaint — three-year limit, IDRP, maladministration causing injustice, directions sought.
Energy Ombudsman Complaint — Back-billing and Beyond 2026
Energy Ombudsman complaint guide — eight-week rule, Back-billing Principle, PSR leverage, compensation bands.
Local Government Ombudsman Complaint — 2026 Guide
Draft a winning LGSCO complaint — the 12-month rule, chronology, Guidance on Remedies bands, SEND and social care cases.
Housing Ombudsman Complaint — How to Win 2026 Guide
Draft a Housing Ombudsman complaint to the Litigant Standard — Spotlight reports, Awaab’s Law, Complaint Handling Code, compensation bands.