The four financial services ombuds' offices - the Ombudsman for Banking Services , the Credit Ombud ,  the Ombudsman for  Long-Term Insurance  and the Ombudsman for Short-Term  have now come together under the newly formed National Financial Ombud Scheme (NFO). The NFO Scheme which commenced its operations YESTERDAY - (1st march 2024) will be a one-stop, all-in-one dispute resolution service made up of the four previously independently operating services.  To explain more , Sebenzile Nkambule spoke to the Ombudsman for Banking Services, Reana Steyn