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FSCL Brand

We are an independent not-for-profit
dispute resolution service

We resolve complaints about financial service providers. We are free
for consumers. We resolve complaints fairly. We share lessons learnt.

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How to make a
complaint

Find out about the complaint process and how we can help you reach a solution with your provider.

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financial service
provider

Search our directory of providers who are a member of our scheme.

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Discover the benefits of becoming a member of our scheme. Register here to join.

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How can we help?

Find out about the complaint process
and how we can help you reach a
solution with your provider.

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How have we helped?

FSCL Cases

Case studies

  • An unaffordable loan for a small business

    A lender approves a small business loan without documentation showing that the business will generate enough additional income to pay the loan.

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  • When a business loan is not a business loan

    Linh did not understand that she was taking out a business loan. Should it have been a consumer loan?

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FSCL News

News

  • Small business loan unaffordability complaints on the rise

    As more Kiwi businesses are falling behind on debt payments, Financial Ombudsman, Susan Taylor, is reminding small business owners to seek advice before applying for business loans as the protections afforded by the CCCFA (Credit Contracts and Consumer Finance Act) only apply to consumer loans.

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  • Financial complaints climb as cost-of-living pressures continue

    Financial Services Complaints Limited (FSCL), a free financial ombudsman service, has seen a 17% increase in complaints and a 36% increase in disputes (cases the service formally investigates) in the six months from July to December 2023.

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