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Who to complain to

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- Where to complain
- How to avoid the hardsell
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If you've bought goods or services you're not happy with and you'd like to complain, it can be difficult to know who, ulitimately, can sort out your problems.

It's worth noting that in the first instance you should go direct to the company concerned and lay out your position (see the Governments' site, Directgov for template letters you can use). It's recommended you keep copies of all correspondence and notes of phone calls and then if this fails to resolve the dispute as you hope, you can move on to the overseeing bodies concerned.

Here are a list of organisations you can go to in the hope of sorting out disputes:

Banking

Banking Code Standards Board

The Financial Services Compensation Scheme (FSCS)

Credit cards and store cards

Finance and Leasing Arbitration Scheme

Estate agents

Ombudsman of Estate Agents

Flights

Air Transport Users Council

Holidays

The Association of British Travel Agents

Association of Independent Tour Operators

Insurance

The Association of British Insurers

The Financial Services Compensation Scheme (FSCS)

The Inland Revenue

The Adjudicator

Mortgages

The Financial Services Compensation Scheme (FSCS)

The Financial Ombudsman Service

Pensions

The Pensions Advisory Service

The Pensions Ombudsman

Scams

Consumer Direct

The Office of Fair Trading

Secured and unsecured loans

Finance and Leasing Arbitration Scheme


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