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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:
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:
- Advice UK - 020 7407 4070 (www.adviceuk.org.uk)
- Citizens Advice – You can get the phone number of your local bureau from the phone book, the local library or www.citizensadvice.org.uk
- Citizens Advice Scotland – 0131 550 1000 (www.cas.org.uk)
- Consumer Credit Counselling Service – 0800 138 1111 (www.cccs.co.uk)
- Money Advice Scotland – 0141 572 0237 (www.moneyadvicescotland.org.uk)
- National Debtline – 0808 808 4000 (www.nationaldebtline.co.uk)
- Payplan – 0800 917 7823 (www.payplan.com)
