loans & cards

If you have been mis-sold something or wish to complain about any lender or credit advisor their are no formal procedures. However you can get in touch with your local trading standards office. If however the credit card or loan is from a bank or building society then they are bound by the banking code.

The Consumer Credit Act 1974 contains more information and rights about consumer credit.

www.tradingstandards.gov.uk

Check that the credit card or loan provider is registered with the financial services authority (FSA). If they are then they should be bound by there terms and conditions.

insurance

If you have an insurance complaint you can get in touch with the Association of British Insurers (ABI), most UK companies are registered with them and follow their codes of conduct.

However the general insurance standards council are a new organisation looking to gradually take over as the first point of contact for complaints. If you wish to take your complaint even further you can contact the insurance ombudsman bureau.

www.abi.org.uk

www.gisc.co.uk

www.theiob.org.uk