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Official FCA dataFCA release 2025 H2, published 2026-05-15

Marshmallow Financial Services Ltd

Firm reporting period: 2025-07-01 to 2025-12-31

Official complaint trends and same-category comparisons for this FCA legal reporting entity.

Joint reporting affects the scope

The FCA workbook indicates that this return includes, or may include, another reporting firm. Do not interpret the figures as necessarily belonging to this legal company alone.

Conclusion

The complaint rate is above peers and complaint resolution is mixed; historical evidence is incomplete.

Insurance and pure protection. Figures are limited to this FCA product group and compared only with other reporters in the same group. History: 2024 H2 to 2025 H2 FCA releases. Release labels may differ from a firm’s reporting dates.

Current key indicators, peer comparisons and history
IndicatorCurrent valueCompared with peersCompared with 2024 H2
Complaint ratePer 1,000 accounts or policies17.51UnfavourablePeer average 3.28 · 110 firmsUnavailableNo comparable observation for this window
Intermediation complaint ratePer 1,000 products sold or arranged26.14UnfavourablePeer average 10.48 · 63 firmsUnavailableNo comparable observation for this window
Closed within 3 daysShare of complaints closed16.29%UnfavourablePeer average 33.61% · 148 firmsImprovedUp 12.28 percentage points
Closed within 8 weeksShare of complaints closed93.97%FavourablePeer average 93.17% · 148 firmsWorsenedDown 1.74 percentage points

Charts

Choose charts · 4 selected
3 available points

Complaints opened

Down 635 since 2024 H2
CompanyOther same-category firms’ average
6,0034,7533,50424 H225 H125 H2
2025 H24,208
Other firms’ average3,807
FCA reported
View all figures
Complaints opened historical values
PeriodCompanyOther firms’ averageSource type
2024 H24,8434,348 (146 firms)FCA reported
2025 H15,7004,227 (152 firms)FCA reported
2025 H24,2083,807 (162 firms)FCA reported
3 available points

Closed within 3 days

Up 12.28 percentage points since 2024 H2
CompanyOther same-category firms’ average
38.34%19.17%0.00%24 H225 H125 H2
2025 H216.29%
Other firms’ average33.61%
FCA reported
View all figures
Closed within 3 days historical values
PeriodCompanyOther firms’ averageSource type
2024 H24.01%31.21% (140 firms)FCA reported
2025 H123.29%32.30% (145 firms)FCA reported
2025 H216.29%33.61% (148 firms)FCA reported
3 available points

Complaints upheld by firm

Up 11.35 percentage points since 2024 H2
CompanyOther same-category firms’ average
58.97%49.90%40.83%24 H225 H125 H2
2025 H256.77%
Other firms’ average45.20%
FCA reported
View all figures
Complaints upheld by firm historical values
PeriodCompanyOther firms’ averageSource type
2024 H245.42%45.36% (138 firms)FCA reported
2025 H143.03%44.09% (146 firms)FCA reported
2025 H256.77%45.20% (149 firms)FCA reported
2 available points

Complaints per 1,000 accounts or policies

Down 3.65 per 1,000 since 2025 H1
CompanyOther same-category firms’ average
435.49217.740.0024 H225 H125 H2
2025 H217.51
Other firms’ average3.28
FCA reported
View all figures
Complaints per 1,000 accounts or policies historical values
PeriodCompanyOther firms’ averageSource type
2025 H121.16375.87 (106 firms)FCA reported
2025 H217.513.28 (110 firms)FCA reported

Official observations and clearly labelled calculations from published FCA product figures are shown. Other gaps remain gaps. Raw complaint counts and upheld rates are context only. View FCA release details.

All indicators and reporting details

Peer averages are unweighted and exclude this company. Same-category firms may differ in business mix. Raw counts and upheld rates are context only, not quality ratings.

Contextual complaint rate

17.51

Complaints per 1,000 accounts or policies. Lower can be favourable only when compared with a genuinely similar business.

FCA reported

Intermediation complaint rate

26.14

Complaints per 1,000 products sold, advised on or arranged. It uses a different denominator from provision data.

FCA reported

Complaints opened

4,208

A raw count. Larger businesses commonly receive more complaints, so this is not a ranking measure.

FCA reported

Complaints closed

4,462

A raw count of complaints closed during the period. It may include complaints opened earlier.

FCA reported

Closed within 3 days

16.29%

The share closed within three days. Higher is generally favourable, subject to reporting scope.

FCA reported

Closed within 8 weeks

93.97%

Behind Your Money calculation adding the FCA's two published closure bands.

Behind Your Money calculation

Closed after 3 days but within 8 weeks

77.68%

The share closed after three days but within eight weeks.

FCA reported

Complaints upheld by firm

56.77%

Context only. A lower upheld rate is not automatically evidence of better complaint handling.

FCA reported

Source

Financial Conduct Authority

FCA firm-level complaints data 2025 H2. The FCA source remains authoritative.

As of
2026-05-15
FCA release
2025 H2
Firm reporting period
2025-07-01 to 2025-12-31
Licence
Open Government Licence v3.0
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