If you are still not happy.

If you are still dissatisfied with either:

• our response, or
• the reasons for any delay in providing our final response within eight weeks from the day we received your complaint

You can usually ask the Financial Ombudsman Service for an independent review.

To be able to ask them for an independent review you must have given us an opportunity to find a resolution first and you must be:

• a private individual, or
• a business, charity, or trust with an annual turnover of less than 2 million euros and fewer than 10 employees

If you wish to pursue your complaint to the Financial Ombudsman Service you must do so within 6 months from the date on which we send you our final response letter.

The Financial Ombudsman Service
Exchange Tower
London
E14 9SR

Telephone: 0300 123 9123