On a quarterly basis, members of RPC's Professional and Financial Risks team, including David Allinson, Partner, analyse Financial Ombudsman Service (FOS) complaints and ombudsman final decisions, and share their insights with Practical Law Financial Services subscribers.

In their first column, the team identify certain key themes arising from the FOS' complaints data for Q3 2022/23 and consider some ombudsman final decisions on complaints in the same area.