As of 13 August 2026, AI can complain to the Financial Ombudsman.

What to actually do

1. Hand it to a person

   The route this page recommends

   A person who owns the outcome does this end to end, worth it when the failure is dear.

2. Use a tool built for this

   Second choice

3. Do it yourself

   The distant third

   A chat interface, chat-fluent skill, and roughly 30 minutes until you can act on the result.

   How to actually do it

   1. Open the Financial Ombudsman Service website and read its current instructions on complaining, including what you need to do with the business first and how to refer the dispute.
   2. Gather the complaint correspondence, final response, account or policy documents, transaction records, relevant terms, and a list of important dates, losses and the outcome you want.
   3. Remove passwords, full bank details, National Insurance numbers and other unnecessary sensitive information, then paste the remaining account, documents and official guidance into the prompt.
   4. Ask the chatbot to produce the chronology, evidence gaps and complaint draft using the prompt, and save the result separately from your original records.
   5. Compare every date, quotation, amount, account detail and description in the draft against the original documents, then replace each [CHECK THIS] item with a confirmed fact or delete it.
   6. Use the current official Ombudsman instructions to check the route and any required information, then submit the corrected complaint through the official process rather than asking the chatbot to send it.

   Prompt

   Help me prepare a complaint to the UK Financial Ombudsman Service. Use only the facts and documents I provide, plus any current official Financial Ombudsman Service guidance that I paste below. Do not invent facts, dates, losses, policy terms, rules or correspondence. Do not give professional advice or claim that the complaint is definitely eligible.
   
   First, produce:
   1. A dated chronology, marking any date that I need to confirm.
   2. The businesses and people involved.
   3. The complaint points, separated into facts, evidence and argument.
   4. The financial or other impact I describe, without estimating anything I have not stated.
   5. The outcome I want.
   6. Missing evidence and questions I need to answer.
   7. Any uncertainty about whether I have followed the business's complaints process or the Ombudsman Service's current requirements.
   
   Then draft a concise first-person complaint. Use clear headings for background, what went wrong, impact, evidence and outcome sought. Keep the tone factual and firm. Quote important wording from my documents only when I provide it. Add [CHECK THIS] beside every statement that I must verify. Do not submit anything, contact anyone, or present your draft as a legal conclusion.
   
   My account of the dispute:
   [PASTE YOUR ACCOUNT HERE]
   
   Documents and correspondence:
   [PASTE OR SUMMARISE THEM HERE]
   
   Current official Financial Ombudsman Service guidance:
   [PASTE THE RELEVANT GUIDANCE HERE]

   Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.