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

Here you can find case studies related to complaints resolved by the Channel Islands Financial Ombudsman (CIFO). These case studies show the problems that people have brought to us and what we have done to resolve those complaints. The details of these case studies are taken from one or more actual complaints but each particular case study does not necessarily reflect the exact circumstances of any one complaint.

We will continue to add more case studies periodically.

You can search by sector, product, issue, keyword, for example, a complaint regarding the closure of a bank current account, would require the Sector to be marked as “Banking”, the Product as “current account” and the Issue as “closure of account”. Please browse the drop-down filters below.

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