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Ombudsman and trade bodies

Organisations to contact if you need a complaint investigating and resolving.

Adjudicator's Office

UK-wide: Independent investigation into complaints about HMRC (including tax credits and child benefit) and the Valuation Office Agency (VOA).


Association of British Credit Unions Ltd (ABCUL)

England, Wales and Scotland only: The main trade association for credit unions in Britain.


Association of Business Recovery Professionals (R3)

UK-wide: The main trade body for insolvency practitioners.


British Franchise Association

UK-wide: Membership body which offers advice to both franchisors and franchisees.


British Parking Association (BPA)

England and Wales only: The trade body for the private parking industry.


Building Societies Association

UK-wide: The trade association covering all UK building societies.


Certificated Bailiff Register

England and Wales only: Search through the register of enforcement agents who hold a certificate allowing them to take control of goods.


Civil Enforcement Association (CIVEA)

England only: The professional membership organisation covering bailiffs and civil enforcement officers operating in England and Wales.


Consumer Council for Northern Ireland

Northern Ireland only: An independent organisation dealing with consumer complaints and related issues.


Consumer Council for Water

England and Wales only: The independent watchdog who deal with water complaints.


Consumer Credit Association (CCA)

UK-wide: The main trade body for the doorstep lending industry.


Consumer Finance Association (CFA)

UK-wide: The trade association representing payday loan companies.


Council of Mortgage Lenders (CML)

UK-wide: The trade association for the mortgage lending industry.


Credit Services Association (CSA)

UK-wide: The CSA is the main trade body for the debt collection industry.


Finance & Leasing Association (FLA)

UK-wide: The main trade association for the consumer and motor finance industry.


Financial Conduct Authority (FCA)

UK-wide: Regulator for the UK finance and banking industry, responsible for consumer protection and market stability.


Financial Ombudsman Service (FOS)

UK-wide: Free, independent service settling disputes between consumers and providers of financial services.

  •  0300 123 9123 or 0800 023 4567. Text for a call-back on 07860 027 586
  •  Visit their website

High Court Enforcement Officers Association

UK-wide: The trade organisation for High Court enforcement officers.


Housing Ombudsman Service

England only: Investigates complaints about the management and condition of housing of registered social landlords and housing associations.


Independent Case Examiner (ICE)

UK-wide: An independent adjudicator who investigates complaints about poor service, excessive delays and failures to follow guidelines against government agencies.


Information Commissioner's Office (ICO)

UK-wide: Independent body established to uphold information rights and deal with complaints about breeches of privacy laws.


Insolvency Practitioners Association

UK-wide: The trade body for insolvency practitioners.


Legal Ombudsman

England and Wales only: Investigates complaints about legal services, solicitors and claims management companies.


Local Government Ombudsman (LGO)

England only: Investigates complaints about local authorities, councils and other administrative bodies.


London Tribunals

London only: Supports the independent tribunals which consider appeals against Penalty Charge Notices issued by the London Local Authorities and Transport for London. Their website includes a guide to challenging the penalty charge notice (PCN) and London congestion charge processes.


Northern Ireland Ombudsman

Northern Ireland only: Provides links to the Public Services ombudsman, the Judicial Appointments and Local Government Commissioner for Standards.


Office for Judicial Complaints

UK-wide: An independent office which supports the Lord Chancellor and Lord Chief Justice in considering complaints about the personal conduct of judicial office holders.


Office of the Immigration Services Commissioner (OISC)

UK-wide: The regulator for immigration advisors. They can help you find help from not-for-profit organisations.


Ombudsman Association

UK-wide: Provide information about the role of the ombudsman, where ombudsman schemes work and the areas they cover.


Ombudsman Services: Communications

UK-wide: Independent investigation of complaints about telephone companies and internet providers, such as billing and customer service complaints. Previously known as Otelo.


Ombudsman Services: Energy

Not available in Northern Ireland: Investigates complaints about gas and electric companies. Previously the Energy Ombudsman.


Parliamentary & Health Service Ombudsman

England only: Independent investigations into complaints about UK government departments and their agencies, as well as the NHS in England.


Phonepay Plus

UK-wide: Regulator for content, goods and services charged to a phone bill.


Public Services Ombudsman For Wales

Wales only: Investigates complaints about public service bodies in Wales.


Scottish Public Service Ombudsman (SPSO)

Scotland only: The final stage for complaints about councils, the NHS, housing associations, colleges and universities, prisons, most water providers, the Scottish Government, agencies, departments and other authorities.


Society of Messenger-at-Arms and Sheriff Officers

Scotland only: The trade organisation for Messengers-at-Arms and Sheriff Officers


Traffic Penalty Tribunal

UK-wide: Independent adjudicator who resolves disputed local authority penalty charge notices (PCNs).

Helping you become debt free...

“I wish to thank your staff for all the great help they gave me when I was in so much debt.
They were a pillar of support to me.” (Leslie, Essex)

Foundation for Credit Counselling Wade House, Merrion Centre, Leeds, LS2 8NG trading as StepChange Debt Charity and StepChange Debt Charity Scotland. A registered charity no.1016630 and SC046263. It is a limited company registered in England and Wales (company no:2757055). Authorised and regulated by the Financial Conduct Authority.

We link to external websites where they contain relevant information for our visitors. We're not responsible for the content of these websites, or any infringement on your data rights under data protection regulations by any external website provider.

*This is the average rating of our service based on the StepChange reviews on Feefo by DMP and DRO clients three months into their solution.

© StepChange Debt Charity 2019