The Financial Ombudsman is an independent organization that helps resolve disputes between consumers and financial service providers, such as banks and insurance companies. It offers a free service to individuals who feel they have been treated unfairly or have unresolved issues with their financial products. When a complaint is made, the Financial Ombudsman investigates the case and makes a decision based on the evidence provided. Their goal is to ensure fair treatment and to help restore trust in the financial system, providing a valuable resource for consumers seeking resolution without going to court.