Financial Ombudsman Time Limits for Equity Release Complaints

If your complaint has not been resolved by the firm, you may consider escalation to the Financial Ombudsman Service. Timing can be important, especially when concerns become clear years after advice was given.

Why time limits matter

Escalation rules can affect whether a case is accepted for review. Missing a relevant deadline may reduce available options.

Verify current rules

Always use official sources for current limits, as guidance can change.

Track the key dates

Keep records of when you complained to the firm, when you received the final response, and when you first recognised the core issue.

Build a reference timeline

A dated timeline can help show why and when the complaint concerns became apparent.

Keep escalation submissions concise

When escalating, include a short summary of unresolved points and supporting documents. Avoid long, unstructured bundles.

Focus on core issues

Prioritise two to four strong points linked to evidence.

Internal links for next steps

• How to complain about equity release advice
• Equity release mis-selling explained
• Contact us for informational enquiries

Related guides

• How to prepare evidence for equity release complaints