Complaints Procedure
It is our aim to provide a very high standard of service to every customer. If you are unhappy for any reason with the service we provide to you, we welcome your feedback and the opportunity to put things right. It is important to us that all complaints are resolved as quickly as possible and to the complete satisfaction of our customers.
This page explains how we will deal with any complaints we receive. It also tells you what you can do if your complaint is not resolved to your satisfaction.
If you have a complaint about any aspect of our service, then we would like to hear from you. You can contact us by emailing [email protected].
It will help us to deal with your complaint quickly if you can provide the following information:
- Your full name and address, and a daytime contact telephone number
- Full details of your complaint
- Your account details and any policy numbers as relevant
- Details of what you would like us to do to put things right
- Photocopies of any relevant paperwork
We will try to resolve your complaint within three working days of receipt. If this is achieved, we will write to you by email or letter as appropriate, to confirm that your complaint has been resolved and to explain your next steps. If we are unable to resolve your complaint within this timescale, we will acknowledge your complaint in writing within five working days and provide details of the person who will be dealing with your complaint. We may ask you for further information to allow us to better understand your concerns. Once we have completed our investigation we will tell you our findings and, if appropriate, how we will put things right.
We’ll always do our best to fix the issue straight away. Please allow us up to eight weeks to resolve a complaint. We hope to do this much quicker and we’ll keep you updated throughout the process.
If we are unable to provide a final response within eight weeks, we will confirm this in writing and provide a timescale within which you can expect a final response. If, at this time, you are dissatisfied with the delay, you may refer your complaint to the Financial Ombudsman Service.
Complaints about the data held within your credit report
If your complaint relates to information within your credit report that you believe is inaccurate, you can use CredAbility to dispute this with Equifax here. Equifax will liaise with the institution in question to ascertain whether the information is incorrect, and if so, ensure its correction, without the need to raise a formal complaint.
If your complaint is otherwise about the information held within your credit report, then it should, in the first instance, be raised with the institution themselves, in accordance with the institution’s complaints procedure. It may later be necessary to raise a formal complaint with Equifax, and you can learn more about the Equifax complaints procedure here.
The Financial Ombudsman Service
If you are not satisfied with our final response, you have the right to complain to the Financial Ombudsman Service, whose contact details are below. You must do this within six months of our final response.
When we send you our final response, we will direct you to the Financial Ombudsman Service's explanatory leaflet which explains their complaints process. Alternatively, you can request a hard copy from ourselves, or by using any of the below options:
- Financial Ombudsman Service, Exchange Tower, London, E14 9SR
- www.financial-ombudsman.org.uk
- 0800 023 4567 – calls to this number are free on mobile phones and landlines
- 0300 123 9123 - calls are charged at the same rates as 01/02 numbers on mobile tariffs
- +44 207 964 0500 - if calling from outside the UK
Details on how to contact us can be found here.