A consumer can refer an unresolved complaint about which of the following to the Financial Services & Pensions Ombudsman? (i) Home reversion firm. (ii) A credit intermediary. (iii) A mortgage intermediary. A (ii) only. B (i) and (ii) only. C (ii) and (iii) only. D (i), (ii) and (iii).

• A. A (ii) only.
• B. B (i) and (ii) only.
• C. C (ii) and (iii) only.
• D. D (i), (ii) and (iii).

Answer: (D)

The test is about which types of entities can have unresolved complaints referred to the Financial Services & Pensions Ombudsman. The ombudsman handles complaints about financial services provided by authorised firms, including advisory or intermediary services in credit and mortgages, as well as providers of financial products. A home reversion firm, a credit intermediary, and a mortgage intermediary all operate in the financial services space and, if they are regulated, fall within the ombudsman’s remit. Because each of these can be the subject of a consumer complaint that wasn’t resolved directly with the firm or regulator, complaints about all three can be referred to the ombudsman. That’s why the option including i, ii, and iii is the best choice.