Energy
→ Energy Ombudsman
8 weeks or deadlock
Phone, broadband, TV
→ Communications Ombudsman
6 weeks or deadlock
Phone, broadband, TV
→ CISAS
6 weeks or deadlock
Banks, insurance, loans, credit, pensions, investments
→ Financial Ombudsman Service
8 weeks or final response
Housing associations and council landlords
→ Housing Ombudsman
After their final response
Councils, adult social care providers
→ Local Government & Social Care Ombudsman
16 weeks or final response
NHS in England, UK government departments
→ Parliamentary and Health Service Ombudsman
After their final response
Train operators and Network Rail
→ Rail Ombudsman
40 working days or deadlock
Estate and letting agents
→ The Property Ombudsman
8 weeks or final response
Estate and letting agents
→ Property Redress Scheme
After their final response
Car dealers, garages, warranties
→ The Motor Ombudsman
8 weeks or final response
Water and sewerage
→ CCW, then WATRS
8 weeks or final response
Royal Mail and member postal companies
→ POSTRS (Postal Redress Service)
90 days
Shops, online sellers, tradespeople, other services
→ Small claims (no ombudsman)
14 days after a letter before claim
These are each scheme's usual rules, checked against their own websites. We use the exact one for your case. General information, not legal advice.