Losing someone you love is one of the hardest experiences life brings. When the funeral arrangements don't go as they should — whether that's poor communication, unexpected charges, or something that felt deeply disrespectful — the sense of hurt and betrayal can be overwhelming. You trusted a funeral director with one of the most significant moments of your life, and that trust was let down.
If you're in that situation right now, please know this: you have rights, and you have options. This guide will walk you through exactly what to do if you're unhappy with a funeral director — from the first conversation to formal escalation — in plain, honest language.
Why Funeral Complaints Are More Common Than You Might Think
The UK funeral industry serves hundreds of thousands of bereaved families every year. The vast majority of those experiences are handled with care and professionalism. But complaints do happen, and there's no shame in raising one. In fact, raising a concern is one of the most important things you can do — not just for yourself, but to protect other families who may use the same funeral director in future.
The most common funeral complaints fall into a handful of categories:
Poor Communication
Families often feel left in the dark — not being told when the deceased was collected, uncertainty about what was happening and when, calls not returned, or arrangements being confirmed too late. At a time when people are already emotionally fragile, silence from a funeral director can cause real distress.
Unexpected or Unclear Charges
This is one of the most frequently cited complaints. Families receive a final bill significantly higher than the original estimate, with charges added that were never discussed. Since 2021, funeral directors in the UK have been required to publish standardised price lists — including a Simple Funeral price — and by 2026 this is an established, enforceable standard. Unexpected charges that were never itemised or agreed in writing are increasingly hard to justify and may constitute a breach of consumer protection law. If you weren't given a clear, itemised estimate in writing before arrangements were confirmed, something has gone wrong. Use our funeral cost calculator to understand what a typical funeral should cost in your area.
Poor Care of the Deceased
Perhaps the most distressing type of complaint involves the handling of a loved one's body. This includes mix-ups with identification, damage to the deceased, incorrect preparation, or concerns about the condition of the body at viewing. These complaints require urgent, sensitive handling.
Failure to Follow Instructions
Specific wishes — around music, readings, the type of coffin, the route of the cortège — not being carried out as agreed. This can leave families feeling that their loved one's final farewell was not what they wanted.
Delays and Disorganisation
Paperwork not submitted on time, delays to the funeral date, or poor coordination with crematoria, cemeteries, or officiants causing disruption on the day itself.
Step-by-Step: How to Make a Funeral Director Complaint
However upset you are, a structured approach will give you the best chance of a satisfactory resolution. Here's what to do.
Step 1: Write Everything Down First
Before you contact anyone, take some time to write down exactly what happened, in chronological order. Note dates, names, what was said (and by whom), and how it made you feel. Gather any paperwork you have — your written estimate or contract, invoices, any email correspondence. This record will be invaluable if your complaint needs to be escalated.
Step 2: Speak Directly to the Funeral Director
Your first step should always be to raise the issue with the funeral director themselves — ideally in writing (an email creates a paper trail) but a phone call followed by a written summary is also acceptable. Be clear and specific: what went wrong, when, and what outcome you are looking for (an apology, a refund, an explanation).
Many complaints are resolved at this stage. A good funeral director will take your concern seriously, respond promptly, and work with you to put things right. Give them a reasonable timeframe to respond — typically 10 to 14 days.
Step 3: Ask for Their Formal Complaints Procedure
If your initial contact doesn't resolve things, ask the funeral director for their formal complaints procedure in writing. Every professional funeral director should have one. This will set out how they handle complaints, their timescales, and who within the business is responsible for resolving them.
Step 4: Escalate to the NAFD
If you have used an NAFD-accredited funeral director and the complaint has not been resolved satisfactorily through their internal process, you can escalate to the National Association of Funeral Directors (NAFD). The NAFD operates a robust complaints handling process under its Code of Practice, which all member funeral directors are contractually obliged to follow.
The NAFD Code of Practice covers everything from how the deceased is cared for, to how prices are communicated, to how staff conduct themselves. Breaching the Code is a serious matter and can result in sanctions including suspension or removal from NAFD membership.
To raise a complaint with the NAFD, you can contact them directly through their website. You will need to show that you have already attempted to resolve the matter with the funeral director.
Step 5: Refer to the Funeral Arbitration Scheme
If your complaint remains unresolved after going through the NAFD's process, you may be able to refer your case to the Funeral Arbitration Scheme — an independent, impartial service available to families who have used an NAFD member funeral director.
The Funeral Arbitration Scheme is administered independently of the NAFD, which means its decisions are made without bias. An arbitrator will review the evidence from both sides and make a binding decision. This is a free service for consumers and a significant benefit of choosing an accredited funeral director over an unaccredited one.
The arbitration route is particularly useful for financial disputes — for example, where you believe you have been overcharged, or where costs were not properly disclosed in advance.
Step 6: Consider Legal Action as a Last Resort
In the most serious cases — particularly those involving financial loss or negligence in the care of the deceased — you may wish to seek independent legal advice. Citizens Advice can help you understand your options, and for smaller financial disputes (under £10,000 in England and Wales), the small claims court process is relatively straightforward and does not typically require a solicitor.
What Compensation Can You Expect?
Compensation in funeral complaints typically takes one of several forms:
- A full or partial refund — if you were charged for services not delivered, or charged more than the agreed estimate without prior notification
- A goodwill payment — where the funeral director acknowledges distress caused and makes a payment to acknowledge the impact
- A formal written apology — which many families say matters more to them than money
- Remedial action — for example, if a headstone was incorrectly inscribed, having it corrected at no cost
- An arbitration award — through the Funeral Arbitration Scheme, which can include financial compensation
It's worth being realistic: grief-related distress is genuinely difficult to quantify financially, and while arbitrators and courts do recognise the emotional impact of funeral failures, awards for distress alone tend to be modest. That said, holding a funeral director accountable — and receiving a genuine apology — can form an important part of your grieving process.
The NAFD Difference: Why Accreditation Matters When Things Go Wrong
Here's a truth that many families only discover after something has already gone wrong: the UK funeral industry is still not fully regulated by law. In 2026, anyone can legally set up and operate as a funeral director without any qualifications, training, or membership of a professional body. There is no legal requirement to publish prices, follow any code of conduct, or belong to an independent complaints scheme.
This is why choosing an NAFD-accredited funeral director matters so much — especially if something goes wrong.
What NAFD Accreditation Gives You
- A binding Code of Practice — covering standards of care, pricing transparency, facilities, and conduct
- Regular independent inspections — NAFD members are monitored to ensure they maintain required standards
- A formal complaints process — with clear escalation routes
- Access to the Funeral Arbitration Scheme — an independent, binding resolution service at no cost to you
- Price transparency requirements — NAFD members must publish their prices, including a Simple Funeral price, so you can compare costs before you commit
If you used a non-accredited funeral director and something went wrong, your options are significantly more limited. You would need to rely on the funeral director's goodwill, Trading Standards, or legal action — none of which are quick or straightforward. There is no equivalent of the Funeral Arbitration Scheme available to you.
This is not meant to make you feel worse about a decision already made — many unaccredited funeral directors are perfectly decent. But it does underline why, for future arrangements or when helping a friend or family member plan ahead, choosing an NAFD-accredited funeral director gives you a meaningful safety net.
If Your Complaint Involves the Care of the Deceased
Complaints involving the way a loved one's body was handled are among the most painful a family can face. If you have concerns about the identification, preparation, or condition of the deceased, it is important to raise these urgently and in writing with the funeral director. If you believe there has been a serious breach — including a mix-up of remains following cremation — you should also consider contacting:
- The Coroner's office, if there are concerns relating to cause of death or identification
- The NAFD, if the funeral director is a member, as mishandling the deceased is a serious breach of the Code of Practice
- The Local Authority, which has oversight responsibilities for burial and cremation
- A solicitor, in cases of potential negligence
A Practical Checklist Before You Make a Complaint
- ☑ Write down everything that happened, with dates and names
- ☑ Gather all paperwork — estimate, contract, invoices, correspondence
- ☑ Identify clearly what went wrong and what outcome you want
- ☑ Contact the funeral director in writing first
- ☑ Keep copies of everything you send and receive
- ☑ Allow 10–14 days for a response before escalating
- ☑ If unresolved, escalate to the NAFD (if an accredited member)
- ☑ If still unresolved, consider the Funeral Arbitration Scheme
- ☑ Seek legal advice if the matter involves significant financial loss or negligence
You Deserve to Be Heard
Raising a funeral complaint is not a sign of disrespect to your loved one or an act of troublemaking. It is a reasonable, legitimate response to a service that fell short of what you were promised and what your family deserved. Funeral directors who take pride in their work welcome feedback — and those who have genuinely let families down should be held accountable.
The NAFD exists, in part, to make sure that happens. With over 4,000 accredited member funeral homes across the UK, and a robust Code of Practice backed by independent arbitration, the NAFD remains the most reliable way to identify funeral directors you can trust — and to seek redress when things go wrong.
If you're planning ahead for a future funeral, or helping someone else to do so, take a moment to find an NAFD-accredited funeral director near you. You can also use our funeral cost calculator to understand typical costs in your area and avoid any unwelcome surprises.
Making a Funeral Director Complaint: Your Rights at a Glance
If you want to make a funeral director complaint, you have three clear options: raise it directly with the funeral director in writing, escalate to their trade body (such as the NAFD), or refer your case to the Funeral Arbitration Scheme for independent resolution. You do not need a solicitor to do any of this, and the process is free at every stage until arbitration.
In England, Scotland, and Wales, funeral directors are not yet subject to statutory regulation in the same way that, say, care homes are — though regulation is expected to change in the coming years. Until then, membership of a professional body like the NAFD is the strongest protection a consumer has. NAFD members are bound by a strict Code of Practice and are subject to independent oversight. If you used an NAFD member firm, your complaint has a clear, enforceable path. If you used a non-member firm, your options are narrower but still exist — and this guide covers both scenarios.
Whatever happened, your experience matters and your complaint is worth raising. Below, we walk you through the full process step by step. /find-a-funeral-director/
Funeral Plan Complaints: A Separate Process You Need to Know About
Complaints about a pre-paid funeral plan are handled differently from complaints about a funeral director. Since 9 July 2022, all funeral plan providers in the UK must be authorised and regulated by the Financial Conduct Authority (FCA). This means funeral plan complaints now carry the same consumer protections as financial products.
If you have a complaint about a pre-paid funeral plan — whether that's about the terms of the plan, a provider that has failed, charges that don't match what was promised, or difficulties redeeming a plan — here is what to do:
- Step 1: Complain directly to the funeral plan provider in writing. They are legally required to acknowledge your complaint within five business days and provide a final response within eight weeks.
- Step 2: If you are unhappy with their response, or if eight weeks pass without resolution, you can refer your complaint to the Financial Ombudsman Service (FOS) — free of charge. The FOS can award compensation of up to £430,000.
- Step 3: If the provider has gone out of business, the Financial Services Compensation Scheme (FSCS) may be able to help you recover money paid into the plan.
Note: a complaint about the funeral service itself — how the funeral was carried out — is separate from a complaint about the plan, and should follow the funeral director complaints process described in this guide. If both issues apply, you may need to pursue both routes simultaneously.
How to Report a Funeral Director to the NAFD or Another Authority
To report a funeral director in the UK, you should contact their professional trade body — the most established of which is the National Association of Funeral Directors (NAFD). If the firm is an NAFD member, you can submit a formal complaint directly to the NAFD, which has the power to investigate, sanction, and in serious cases remove a member's accreditation.
Here is exactly how to report a funeral director, depending on their membership:
Reporting an NAFD Member Funeral Director
Visit nafd.org.uk and use the formal complaints process. The NAFD will first encourage you to raise the matter with the funeral director directly (if you haven't already), then take over if the matter is unresolved. Serious complaints — particularly those involving care of the deceased, financial misconduct, or breach of the Code of Practice — can be referred to the independent Funeral Arbitration Scheme. The NAFD can impose sanctions including formal warnings, fines, and expulsion from membership.
Reporting a Non-Member Funeral Director
If the funeral director does not belong to the NAFD or another trade body, your options include:
- Citizens Advice — for advice on consumer rights and next steps
- Trading Standards (via the Citizens Advice consumer helpline on 0808 223 1133) — if you believe the funeral director has broken consumer protection law, for example by charging significantly more than quoted without consent
- The Competition and Markets Authority (CMA) — the CMA has previously investigated the funeral sector and accepts reports of potentially unfair practices
- Small Claims Court — if you are seeking a financial remedy and other routes have failed, a claim through the small claims track (up to £10,000 in England and Wales) does not require a solicitor
If you are unsure whether your funeral director is an NAFD member, you can check the member directory at /find-a-funeral-director/.
Is There a Funeral Ombudsman in the UK?
There is no single government-appointed Funeral Ombudsman in the UK. However, the closest equivalent for funeral director complaints is the independent Funeral Arbitration Scheme, available to families who have used an NAFD member firm. For complaints about pre-paid funeral plans, the Financial Ombudsman Service (FOS) acts as the statutory ombudsman since the FCA began regulating funeral plans in July 2022.
The Funeral Arbitration Scheme is run independently of the NAFD and provides a binding decision at no cost to the complainant. The arbitrator can award financial compensation, require the funeral director to issue a formal apology, or mandate changes to their practices. It is the most powerful route available to families who have been let down by an NAFD member funeral director and cannot resolve the matter directly.
If statutory regulation of funeral directors is introduced — which the government has indicated it is considering — a formal ombudsman function would likely follow. Until then, the Funeral Arbitration Scheme and the FOS (for plan complaints) are your strongest independent options.
What Compensation Can You Receive from a Funeral Director Complaint?
One of the most common questions families ask is: can I get my money back? The honest answer is: it depends on the route you take and the nature of the complaint.
Through Direct Negotiation
Many financial disputes — such as overcharging or charges for services not provided — are resolved directly with the funeral director. You are legally entitled to a refund for services you paid for and did not receive. A funeral director who refuses to refund a demonstrably incorrect charge is likely in breach of consumer protection law.
Through the Funeral Arbitration Scheme
The Funeral Arbitration Scheme can award financial compensation, though this is typically for quantifiable financial losses (the difference between what you were quoted and what you were charged, for example) and sometimes a modest sum for distress and inconvenience. Awards are binding on the funeral director.
Through the Small Claims Court
For financial claims up to £10,000 in England and Wales (£5,000 in Scotland), the small claims track is accessible without a solicitor. Court fees start from £35. If your case is strong and documented, this can be an effective final resort.
For Funeral Plan Complaints: FOS Awards
The Financial Ombudsman Service can award up to £430,000 in compensation for upheld complaints about regulated funeral plan providers — significantly higher than any other funeral-related route. /funeral-cost-calculator/
