In the United Kingdom, by contrast, they doubled over the same period, while in Sweden they even rose by some 160%. [10] To assess the risks for financial stability, we must also look at the development of indebtedness.
In many cases the strong relation of trust developed between the OFSO and the service providers, has facilitated resolution of complaints that fall outside the formal terms of reference of the Ombudsman scheme. Mis-understanding of the role and function of the OFSO and confusion about the procedures to be followed in making complaints were some of the initial challenges faced by the Ombudsman scheme.