The Financial Ombudsman is a service set up by the government to settle disputes between financial institutions and their customers. They act as an unbiased moderator, looking at complaints ranging from insurance problems to loans to mortgages, and everything in between. There are Ombudsman services in 80 countries around the world, though some are more successful than others. They seem to be very successful systems when it comes to fairly solving these disputes; however it does create quite a divide between the financial accountants and their clients.