As of the 1st November 2018, the Australian Financial Complaints Authority (AFCA) will be the new external dispute resolution scheme for financial services consumers, replacing the Financial Ombudsman Service (FOS).

AFCA replaces three existing EDR schemes of the Financial Ombudsman Service (FOS), the Credit and Investments Ombudsman (CIO) and Superannuation Complaints Tribunal (SCT) so that consumers have access to a single EDR scheme.

Midland, in accordance with the requirements of the first phase of this change, have become an AFCA member and updated all documentation and the website as required.

We are committed to servicing our customers and are always open to feedback. In the event you are dissatisfied with our services, we aim to resolve any problem as quickly as possible.

Clients not satisfied with our services should contact our Complaints Officer. In addition to AFCA we also adopt the Insurance Broker Code of Practice (2014). Further information is available from our office or contact AFCA directly on 1800 931 678 or visit

If you have any questions, please don’t hesitate to contact your local Midland office.