Fairness of outcome and fairness of process... The Channel Islands Financial Ombudsman (CIFO) is the trusted independent dispute-resolution service for unresolved complaints involving financial services provided in or from the Channel Islands of Jersey, Guernsey, Alderney and Sark.

Case Studies

One of the best ways to understand the type of complaints we see and how we approach their resolution is to view case studies. Once CIFO has been in operation for a period of time, we will begin to post case studies from the Channel Islands to this section of our website.

In the meantime, it may be of interest to our Channel Islands stakeholders to view the case studies shared by our counterpart financial ombudsman schemes in other countries. Given the close connection we share with the United Kingdom; the first link we provide is to the UK’s Financial Ombudsman Service (FOS). You will likely see an interesting similarity of complaint themes around the world yet all of these ombudsman schemes are each seeking to provide fair and reasonable outcomes to complaints.