Complaints Procedure

  • Complaints Manager contact details

    Telephone: 01269 844442

    Address: Unit 29 Cross Hands Business Park, Cross Hands, Carms SA14 6RE


    Our Procedures

    Any complaint verbal or written will be referred to our complaints manager at the earliest opportunity or to a member of the senior management if the complaints manager is unavailable. We will also:

    • acknowledge the complaint in writing promptly (normally within 5 working days)
    • give details in our acknowledgement letter of the Financial Ombudsman Service
    • make contact to seek clarification on any points where necessary
    • fully investigate the complaint
    • keep you informed of our progress
    • discuss with you our findings and proposed response

    You will receive contact from us advising on progress if we cannot respond immediately. We will let you have our final response as soon as possible and not later than eight weeks.

    Consumer Duty

    We take great care to ensure that the finance products that we offer are suitable and that our customers are satisfied with the services we provide. Customer outcomes are the focus of what we do, and we appreciate any feedback which will help us to ensure our levels of service and transparency are maintained at the highest level.

    You can contact us through our dedicated Consumer Duty Champion at 


    The complaints manager will establish the nature and scope of your complaint having due regards to the Financial Conduct Authority’s direction:

    • Deal with complaints promptly and fairly
    • Give complainants clear replies and, where appropriate, fair redress

    It is the firm’s policy to treat all complainants the same, however, eligible complainants are legally defined and have additional rights in law that we must acknowledge and adhere to.

    Final response

    This will set out clearly the firm’s decision and the reasons for it. If any compensation is offered a clear method of calculation will be shown.

    We must include details of the Financial Ombudsman Service in the final response if dealing with an eligible complainant and a regulated activity, we will:

    • explain that the complainant must refer the matter to the ombudsman within six months of the date of this letter or the right to use this service is lost


    A root cause analysis will be undertaken by the firm in the case of any complaint and this will be recorded with the appropriate action having been taken.

    Closing a complaint

    Where the firm receives confirmation from you that you are satisfied with the findings of the investigation and any resolution, the complaint will be considered closed.

    Where no confirmation has been received from you within 8 weeks of the firm’s most recent letter, the complaint may also be considered closed.

    Financial Ombudsman Service

    The firm must co-operate fully with the Ombudsman in resolving any complaints made against it and agrees to be bound by any awards made by the Ombudsman.

    The firm undertakes to pay promptly the fees levied by the Ombudsman.


    • Address: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall,
      London, E14 9SR
    • Tel: 0845 080 1800 (calls should cost no more than 5p a minute for BT customers – other networks may vary) or 020 7964 0500 (this number may be cheaper for calls from some mobile phones and other networks)
    • Email:
    • Website:

If you have any particular requirement or query then please contact us and we’ll do our best to help.