Complaints Procedure

If you have a complaint about any aspect of our service then we would like to hear from you. You can contact us in writing 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; and
• 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.

If we are unable to send a final response to your complaint within four weeks we will write to you explaining why we have not yet resolved the complaint and indicating when we will contact you further. If your complaint is particularly complicated, we will keep you informed of the progress of our investigations.

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 you hold the account with 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 with whom you hold the account, 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, their contact details are below. You must do this within six months of our final response.

When we send you our final response, we will also provide you with a copy of the Financial Ombudsman Service's explanatory leaflet. Alternatively, you can obtain a copy from:

Financial Ombudsman Service,
Exchange Tower,
London E14 9SR
www.financial-ombudsman.org.uk

Or by Calling: 0800 023 4 567 - calls to this number are now free on mobile phones and landlines
Or 0300 123 9 123 - calls are charged at the same rates as 01/02 numbers on mobile tariffs
Or +44 20 7964 0500 if you are calling from outside the UK

Online Dispute Resolution

If you have applied for your Personal Loan or Credit Card online, and you're unhappy with the service you’ve received, you are entitled to submit your complaint via the European Online Dispute Resolution platform (ODR platform). You can access the ODR Platform by visiting:

http://ec.europa.eu/odr.