The Financial Ombudsman Service (FOS) is often seen as a bureaucratic maze where complaints drag on and consumers feel unheard. Yet, my recent experience challenged this perception.
Written by John Barwell
Written by John Barwell
Written by John Barwell
The UK’s regulatory bodies are relics of a bygone era, built on flawed foundations and unfit for a modern society. Reform isn’t the answer; these institutions must be dismantled and rebuilt from the ground up, with transparency, accountability, and public oversight at their core. Without a radical overhaul, public trust will continue to erode, and justice will remain out of reach for many.