Complaints procedure

What you need to know about making a complaint

How we handle complaints

We aim to always provide products and services of the highest standard. However, we realise there could be times when you may want to complain about an aspect of our work. We take all complaints extremely seriously and do our best to resolve them satisfactorily as quickly as we can. The procedure outlined below applies to all complaints, however we receive them.

Acknowledging your complaint

We will acknowledge your complaint in writing within five working days of receiving it. If we receive a complaint outside normal working hours, it is treated as if it had arrived at the start of the next working day. In some cases we will have had enough time to look into the matter and see what has gone wrong. If so, we will give you a full response in this letter.

Complaints that need further investigation

If we do not reach a decision in time to include it in your acknowledgement letter we will continue to investigate in order to find out:

  • What has gone wrong
  • Whether our service has fallen below the standard we strive to achieve
  • What needs to be done to put things right

No later than four weeks after we received your complaint we will contact you again. If we cannot give you the results of our investigation we will explain why we are not yet in a position to do so and tell you when we will next contact you.

In the unlikely event that we have not finished investigating your complaint eight weeks after we received it, we will send you a further letter to:

  • Explain why we have not been able to reach a decision
  • Let you know when you can expect our final decision
  • If appropriate, tell you how you can refer your complaint to the Financial Ombudsman Service or the Pensions Ombudsman should you be unhappy about the delay

When we send you a letter to say we have dealt with your complaint, we will give the reasons for any decision that we have come to. If you are not happy with our response, you may be entitled to refer your complaint to one of the relevant bodies shown below:

Financial Ombudsman Service
Exchange Tower
E14 9SR

Helpline: 0800 023 4567 or 0300 123 9123

The Pensions Ombudsman
10 South Colonnade
Canary Wharf
E14 4PU

Helpline: 0800 917 4487

Online complaints

If your complaint is about a service or product bought online, you can submit the complaint using the Online Dispute Resolution (ODR) (this will take you to an external website) platform.

Complaints submitted to the platform will be dealt with by approved alternative dispute resolution providers, which in our case would be the Financial Ombudsman Service (this will take you to an external website). The platform will facilitate resolution of the complaint rather than actually resolving them.

Save a copy of our Complaints Procedure

If you'd like a copy of our Complaints Procedure, you can open it as a PDF below, which you can then save or print.

Public complaints information

Find out more about complaints that we have received and resolved, and how quickly we resolved them. You can also read our Mutual Respect policy for when making a complaint.