Payment Protection Insurance (PPI) Complaints
If you have already made a complaint to us you do not need to do anything. We will be in touch as soon as we have an update on your case.
If you have a concern about how your PPI Policy was sold, it's easy for you to contact us directly so you don’t need to use a Claims Management Company (CMC) who will typically charge an upfront fee or take a proportion of any compensation you may be due. We assess complaints sent directly to us in exactly the same way that we treat complaints from a CMC, so by coming direct you will not be disadvantaged.
How to make a complaint and PPI complaints Q & As
25th November 2009 - Outcome of overdraft bank charges court case
Summary of Supreme Court Judgment
On 25 November 2009 the Supreme Court said that the level of unarranged overdraft charges isn't assessable for fairness under the Unfair Terms in Consumer Contracts Regulations. This means the banks have won their appeal and the test case has concluded.
This is a final judgment from the Supreme Court as they have decided it's not necessary and/or not in the public interest to make any reference to the European Court of Justice.
Overdraft bank charges court case Q&As
At Intelligent Finance, we aim to provide you with the highest standards of service. However, sometimes things can, and do, go wrong and when this happens we encourage customers to tell us about it so we can aim to put things right. Our staff will do all they can to resolve any problems and ensure that you receive a quick and fair response to any complaints you may have.
We have a complaints handling procedure in place. Our procedures meet the standards set by the Financial Services Authority (FSA). The FSA have published consumer guidance on how to make a complaint. Copies can be downloaded from the FSA website or you can contact them on 0300 500 5000.
We are committed to transparency and publish details of the complaints data we last reported to the Financial Services Authority. View the complaints data for firms associated with Intelligent Finance.
Our Contact Centre staff are available to speak to you seven days a week on 0845 609 4343. Most customers' concerns can be resolved by our Contact Centre staff, who will do all they can to help. If they are unable to do so the complaint will be passed to a specialist team for investigation.
Write to us
If you prefer, write to us at:
PO Box 17316
If you are an existing customer and are registered online with us you can use our secure e-mail facility to send us your complaint. To do this you must log in to your plan and select the 'Contact Us' function. You will receive an automatic response to confirm we have received your e-mail, which will then be passed to the Complaints Team for investigation.
OUR PROMISE TO YOU
Our complaints procedure is designed to ensure that each complaint is dealt with fairly and to your satisfaction. We will send you an acknowledgement letter within 5 working days of your complaint being received by us. If our investigations are not completed within 4 weeks, we will confirm by letter the reasons for the delay.
If our investigations have not been completed within 8 weeks, we will outline our findings to you by letter, explain why we have been unable to resolve the issue and highlight your referral rights to the Financial Ombudsman Service. We will be pleased to deal with all your concerns, however if your complaint relates to additional services offered to Intelligent Finance customers via a third party, you may wish to contact them direct.
For matters relating to Pinnacle Insurance plc:
Pinnacle Insurance plc
A1 Barnet Way
Telephone: 0208 207 9005
For matters relating to Halifax General Insurance Services Limited:
Halifax General Insurance Services Limited
Telephone: 01422 439 901
For matters relating to Legal & General Group:
Legal & General Assurance Society Limited
PO Box 1186
Telephone: 0870 010 4080
The Total Mortgage Protection Plan (TMPP):
The TMPP Administration Unit
PO Box 534
Telephone: 0845 600 6007
REFERRAL TO AN OMBUDSMAN
We are committed to resolving complaints whenever possible through our complaints procedure. If we are unable to resolve your complaint we will provide you with details of how to refer your complaint to the Financial Ombudsman Service. The Financial Ombudsman Service is an independent service for consumers with unresolved complaints about financial firms and offers a flexible and informal dispute resolution service.
You can contact them at:
The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
Telephone: 0845 080 1800
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