Eight weeks are up. The Ombudsman is next.

You complained to your bank, eight weeks have passed, and they have either gone quiet or fobbed you off. Give it the complaint reference, the dates and what the bank did, and it writes a formal escalation to the Financial Ombudsman Service: the core dispute in two sentences and confirmation the statutory window has closed. The next step that costs the bank.

Write a formal escalation letter to the Financial Ombudsman Service referencing my unresolved complaint against [bank name]. The original complaint was submitted on [date], the 8-week statutory window has now expired, and the bank has [describe the bank's response or lack of one]. The letter should: state the complaint reference number [ref], summarise the core dispute in two sentences, confirm the 8-week deadline has passed, note any final response letter or absence of one, and request FOS investigation. Tone: firm and factual, no emotional language.