fscl.org.nz

# Financial Services Complaints Ltd: Independent Dispute Resolution

> FSCL is an independent financial ombudsman service\. We provide free help to consumers with complaints about financial service providers\.

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## Pages
- [Privacy policy](https://fscl.org.nz/privacy-policy/)
- [Resource Library](https://fscl.org.nz/resources/)
- [Members](https://fscl.org.nz/members/)
- [The complaints process](https://fscl.org.nz/make-a-complaint/the-complaints-process/)
- [Make a complaint](https://fscl.org.nz/make-a-complaint/)

## Posts
- [Feedback form](https://fscl.org.nz/feedback-form/)
- [Our team](https://fscl.org.nz/our-team/)
- [Newsletters](https://fscl.org.nz/newsletters/)
- [Membership resources](https://fscl.org.nz/membership-resources/)
- [Webinars](https://fscl.org.nz/webinars/)

## News
- [Record\-breaking year for financial services disputes](https://fscl.org.nz/news/record-breaking-year-fscl-disputes/): FSCL reports the highest number of financial service disputes in its history \- a 49 percent increase in the 2025\-26 year\. 
- [Don’t wait for debt to bite, ask for help early](https://fscl.org.nz/news/dont-wait-for-debt-to-bite-ask-for-help-early/): FSCL says asking for help early can reduce stress and stop a manageable debt problem becoming a crisis\.
- [FSCL welcomes new Board member, Kate Tokeley](https://fscl.org.nz/news/fscl-welcomes-new-board-member-kate-tokeley/): Kate Tokeley has been appointed to the FSCL Board as a consumer director\.
- [Saved cards and mistyped numbers: Financial Ombudsman Service warns of two types of simple mistakes that can cost you](https://fscl.org.nz/news/digital-payments/): Recent cases show how easy it is to send money to the wrong place or be hit with unexpected charges when card details are saved on shared devices\.
- [Financial Ombudsman Service sees 41% increase in financial disputes](https://fscl.org.nz/news/financial-ombudsman-disputes-surge-2025/): Complaints are leading to a spike in financial disputes, reports Financial Services Complaints Limited \(FSCL\)\.  The Financial Ombudsman Service reports a 41% increase in disputes in the first half of the reporting year\. A total of 235 disputes were opened between July and December, up from 167 in the same period the year prior\.

## Publications
- [Loan affordability \- a consumer guide](https://fscl.org.nz/publications/loan-affordability-a-consumer-guide/): This guide outlines how we approach a complaint about loan affordability\.
- [Credit reports \- a consumer guide](https://fscl.org.nz/publications/credit-reports-a-consumer-guide/): This guide outlines what a credit report is, how consumers can get it, and what complaints we can help with\.
- [What is a consumer credit contract?](https://fscl.org.nz/publications/what-is-a-consumer-credit-contract/): This guide outlines the meaning of a consumer credit contract\. 
- [KiwiSaver Early Withdrawals \- Consumer Guide](https://fscl.org.nz/publications/kiwisaver-early-withdrawals-consumer-guide/): This guide outlines the rules around withdrawing your KiwiSaver funds early\.
- [KiwiSaver Financial Hardship\- A Consumer Guide](https://fscl.org.nz/publications/kiwisaver-financial-hardship-a-consumer-guide/): This guide outlines the rules around withdrawing your KiwiSaver funds for significant financial hardship\.


## Case Studies
- [You can't unknow what your broker knows](https://fscl.org.nz/case-studies/you-cant-unknow-what-your-broker-knows/): Insurers may not be able to avoid policies for non\-disclosure where the client tells the broker but the broker doesn’t tell the insurer\.
- [Two\-factor friction: When extra security was optional](https://fscl.org.nz/case-studies/two-factor-friction-when-extra-security-was-optional/): A hacker accessed a consumer’s share trading account\. The share trading platform had additional security available\. But the consumer had not taken up that additional security\.
- [Unauthorised disclosure an expensive mistake for broker](https://fscl.org.nz/case-studies/unauthorised-disclosure-an-expensive-mistake-for-broker/): An insurance broker disclosed information about their client to a third party, causing financial losses to the client
- [Cashing up for fees? Not so fast](https://fscl.org.nz/case-studies/cashing-up-for-fees-not-so-fast/): KiwiSaver providers can sell your securities to cover their fees if they clearly disclose that in their scheme documents\.  
- [A business was sold to new owners, but the insurance does not transfer with the sale](https://fscl.org.nz/case-studies/a-business-was-sold-to-new-owners-but-the-insurance-does-not-transfer-with-the-sale/): A business was sold to new owners, but the insurance does not transfer with the sale 

## Categories
- [Uncategorized](https://fscl.org.nz/category/uncategorized/)

## Topics
- [General](https://fscl.org.nz/news-topic/general/)

## Topics
- [Annual Reports](https://fscl.org.nz/publication-topics/annual-reports/)
- [Brochures](https://fscl.org.nz/publication-topics/brochures/)
- [Key Documents](https://fscl.org.nz/publication-topics/key-documents/)
- [Articles](https://fscl.org.nz/publication-topics/articles/)

## Topics
- [Insurance](https://fscl.org.nz/case-study-topic/insurance/)
- [Travel Insurance](https://fscl.org.nz/case-study-topic/travel-insurance/)
- [Financial advisers and brokers](https://fscl.org.nz/case-study-topic/financial-advisers-and-brokers/)
- [Consumer Credit](https://fscl.org.nz/case-study-topic/consumer-credit/)
- [Money cards, transfers, and exchanges](https://fscl.org.nz/case-study-topic/money-cards-transfers-and-exchanges/)

## Optional
- [Sitemap index](https://fscl.org.nz/sitemap_index.xml)