Reality of the NFO

Review of the NFO (National Financial Ombud): The NFO is funded by banks and financial institutions — so good luck if you think you’re going to get real justice here. If you have a valid claim against a financial institution, prepare yourself for endless delays that can drag on for years. On the other hand, if your claim has any technical gap or weakness, you can expect a lightning-fast order dismissing your application with no relief in sight.

In my experience, the NFO is not a place where justice is prioritized — it feels more like a shield for financial companies rather than protection for consumers. I won’t waste my time again, and you shouldn’t either. If you’re serious about getting justice, skip the NFO and head straight to the courts