What to expect

When you bring your complaint to us – and we’ve checked it’s something we can help with – you’ll be given a case handler to look into your complaint.

Your case handler will:

• ask the business for their side of the story
• see whether the financial business has made a new or updated offer to resolve the complaint before we carry out a full investigation
• weigh up the facts of what’s happened, fairly and impartially
• tell you and the business what we think via an initial assessment

If we think there’s just been a misunderstanding – or you haven’t lost out financially – we’ll explain why. But if we decide you’ve been treated unfairly, we’ll let the business know what we think it should do to put things right. We’re able to resolve most complaints this way. But if you, or the business, don't agree with the initial assessment, either party can request a decision from an ombudsman.

We usually sort things out over the phone and in writing – so we won’t ask you to discuss your complaint face to face. We will be clear and straightforward in the way we communicate and we won’t use jargon.

We can also communicate with you using things like large text, Braille, British Sign Language or Relay UK. Find out more about how we make our service accessible to customers with additional needs.

We’ll keep you updated about your case while we’re looking into things, and you can contact us at any point if you have any questions.

When we’ve reviewed everything you and the business have told us, we’ll let you know whether we think the business treated you fairly or not. We’ll always explain the reasons behind our initial assessment. If we think the business treated you unfairly, we’ll say what they need to do to put things right. 

Both you and the business will be asked whether you agree or disagree with what we’ve recommended. At this point, if both you and the business agree with what we’ve said, the complaint is settled. Most of the cases we see are resolved at this stage.

You may be asked to confirm that you are accepting any compensation recommended by the case handler in full and final settlement of your complaint. Accepting any compensation may mean you won’t be able to pursue the business in court for the same complaint. You may want to consider taking independent legal advice if you are unsure about accepting.  

If you disagree with what we said – and have more information that you think will change our assessment – let us know. We may change our view, or it might stay the same – we’ll tell you why either way. 

If you or the business don’t want to accept what we’ve said, you can ask for your case to be referred to an ombudsman.

The ombudsman will then look at all the details of your complaint afresh. As part of this process the ombudsman may decide to issue a provisional decision which will set out the decision he/she is minded to make on your case. This will usually be because the ombudsman is thinking of reaching a different outcome or using different reasoning from the initial findings.

The ombudsman will then ask both parties to make any final representations which he/she will consider before either:

• deciding your case has been resolved and closing it, or
• issuing a final decision on your case. 

If the ombudsman issues a final decision, you will be asked to confirm by a specified date whether you accept or reject it. If you accept the ombudsman's decision, the business has to do what the ombudsman has told them to do. This might, for example, include making the business pay you compensation. And, if you accept it, it is unlikely you will be able to pursue the business in court for the same complaint. 

If you don't want to accept the ombudsman's decision, you don't have to. But it does mean our involvement has come to an end and the business doesn't need to do anything. You may still be able to take legal action against the business, but we won't be involved in this. 

Our rules are flexible and there might be some cases where after a provisional decision has been issued, the parties may agree to settle the complaint at that stage, sometimes on the basis proposed in the provisional decision or otherwise. If you agree to compensation offered by a business at any stage, this may mean you won't be able to pursue the business in court for the same complaint. You may want to consider taking independent legal advice if you are unsure about agreeing to a settlement. 

We look at each case individually, so how long it takes to sort out a complaint will vary, for example it might depend on how complex it is, or how long it takes to get all the information we need. To help us deal with cases promptly, it is important that consumers and businesses provide us with information as soon as possible when we ask for it.

We will ask you to reply to our enquiries or requests for information by a particular date, and usually within two weeks. If we do not hear from you by the deadline we’ve set, we can move things on to the next stage of our process – this could mean, for example, that we issue findings based on the information we have available, or that we close the complaint as withdrawn in the absence of a response to our enquiries.

It will also take longer if you or the business don't agree with our initial assessment and want to refer the complaint for an ombudsman's review. 

You can find up-to-date information on our general timescales – including how long it'll be before we're able to let you know we've received your complaint – on our how long it takes page. 

If we decide a business has treated you unfairly, we’ll tell them what they should do to put things right. Sometimes the business simply needs to correct their mistake – for instance, if they’ve cancelled your insurance policy unfairly, we might tell them to reinstate it.

Sometimes we’ll ask the business to pay you compensation. This may be because we think you lost out financially as a result of something they did wrong. Or it might be because the actions of the business meant you experienced distress and inconvenience.

Read more about our approach to calculating compensation.

We want to give you the best possible level of customer service, whatever the outcome of your complaint. But if you’re not happy with the way we’ve handled your case, you can complain.

Find out how to complain about the service we’ve given you.

We’re committed to treating all our customers fairly and providing an excellent customer service. However, we understand there may be occasions when issues leading to a complaint can be stressful – or customers may not agree with our final decision.

But our staff always deserve to be treated with respect. So, we won’t tolerate any form of violent, abusive or threatening behaviour towards them. If this happens, we may decide to take further action. Find out more what we consider as unreasonable behaviour and the actions we may take on our unreasonable behaviour policy.

You don’t need a lawyer or anyone else to represent you. But if you prefer, you can ask us to talk to a family member, friend or someone else you trust about your complaint.

We’ll contact you by email, phone or post – whichever works best for you.

We aim to make our website accessible and we offer options like large text, Braille, British Sign Language and Relay UK.

We’ll keep you updated about progress, what will happen next and how long it will take for us to investigate your complaint.

We need to check your complaint is something we can help with, so we’ll ask you a few questions and to send us some details. We’ll ask the financial businesses for information too.

At the end of our investigation, if we think there’s simply been a misunderstanding, or that you haven’t lost out financially, we’ll explain why. But if we think the business treated you unfairly, we’ll say what they need to do to put things right.   

That could mean by:  

·       correcting their mistake – for example, reinstating an insurance policy if they’ve cancelled it unfairly

·       giving you compensation if we think you lost out financially or experienced distress and inconvenience because of their actions.

We might decide they should also pay costs and interest on top of this. There’s a limit to how much we can tell a business to pay. If we think compensation should be higher than our award limit, we can recommend that the financial business pays more. But we can’t make them do this.

Accepting compensation may mean you won’t be able to take the business to court for the same complaint. Consider taking independent legal advice if you're not sure what to do. 

If you accept our findings, the business must follow our instructions.