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  • How to Complain

    I will also post this into the Reclaiming above thread.



    How To Complain:

    http://www.lendingstandardsboard.org.uk/howdo.html

    This is very handy.

    If you have a problem with your financial service provider, you should complain first to the bank, building society or card issuer involved. They will give you a copy of their complaints procedure. This sets out the timescale they are required to follow in dealing with your complaint.

    After they have looked into your complaint, they will write to tell you the outcome of the investigation. They will also tell you about your right to take up your complaint to the Financial Ombudsman Service (FOS), if you are still not happy.

    Although the LSB investigates serious breaches of the Code, it is not able to investigate individual complaints on behalf of customers as that is the role of the FOS.





    Financial Ombudsman Service



    The independent service for settling disputes between businesses providing financial services and their customers.

    Click here to view the FOS guide Your Complaint and the Ombudsman Brochure



    If your query concerns a product regulated under the Consumer Credit Act, such as a credit card or a personal loan, you can contact the Office of Fair Trading's consumer helpline, Consumer Direct on 08454 04 05 06 or email via its website at www.consumerdirect.gov.uk If you are having financial difficulties, you can get help & advice from debt-counselling organisations. The following organisations provide free money advice:You should also be aware that there are other companies that charge a fee for managing your debts. It is your responsibility to check the fees that may be charged before asking these companies to act on your behalf.

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