Make a complaint

Make a complaint

We do our best, but sometimes things don’t go the way they should. If that’s happened, you can make a complaint.

Make a complaint

First of all, get in touch with our complaints team.

We’ll want to put this right as quickly as possible, so it’s best if you can share all the details when you get in touch. Make sure you include (or have to hand):

  • your reference number
  • the complaint details
  • how you would like it resolved
  • your best contact number
  • the best time to ring you

You can get in touch by:

Then what happens
We’ll start looking into your complaint as soon as we receive it.

We’ll be working towards producing what’s called a ‘final response’. This will let you know whether or not we take responsibility, our reasons for that decision, and whether we believe we owe you any compensation.

We take all complaints extremely seriously, so we won’t keep you waiting for longer than we have to.

Within 4 working days
We’ll email you to acknowledge your complaint, who is dealing with it, and their contact details. This will happen within 4 workings days of receiving your email, letter, or phone call.

Within 4 weeks
It’s most likely we’ll have sent our final response by the end of 4 weeks (counted from the day we receive your complaint). But if it’s going to take longer, we’ll email to you let you know why and when you can expect to hear more from us.

Within 8 weeks
Usually, we’ll have sent our final response before 8 weeks has passed. If it’s a tricky case and we still need longer to investigate it fairly, we’ll write to you again to explain why.

At this point you can choose to wait for our response or go straight to the Financial Ombudsman. The Financial Ombudsman is a free and impartial service that settles complaints between financial services companies (like us) and their customers.

How to get in touch with the Financial Ombudsman:

If you disagree with our final response
If you don’t agree with our final response, then you can go to the Financial Ombudsman service.


Complaints Publication Report
You can find details about how many complaints we’ve received between 1st July 2023 and 31st December 2023 in our Complaints Publication Report.