Taking legal action may be an option if you are unhappy with a proposed settlement.
Ideally you should take legal advice from the outset of your dispute. But if you have already used an ombudsman, talking to your legal adviser can be invaluable in reviewing whether the proposed settlement is reasonable and assessing your options.
You should take legal advice before accepting the settlement. Once you have agreed to an ombudsman’s decision, it can be very difficult to take legal action later.