Do I need a lawyer?

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No. The Financial Services Ombudsman scheme is free to the customers of the participating commercial banks and insurance companies. The process is informal and is an alternative to going to court. In most cases you should not need any financial or legal expertise.

The Financial Services Ombudsman decides if your complaint is valid by looking at the facts of the case – not at the way your complaint is presented. If you do decide to employ a professional (for example, an attorney-at-law) to present your case on your behalf, you would have to pay the cost personally. The cost would not be refunded even if the Financial Services Ombudsman upholds your complaint.

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