Categories
Case studies complaints resolved for people Financial issues

How to complain about financial institutions

How to complain about financial products and services

So much can and does go wrong when you’re dealing with a financial institution! This post will signpost you to various posts on The Complaining Cow blog which will help with most bank/credit card and insurance problems.

2 piggy banks,coins in two jars credit card and machine to pay

The Financial Services Regulations 2004

Financial products are covered by the Consumer Rights Directive 2013. These regulations cover the sale of most financial services that take place at a distance (such as online), directly,or through an  intermediary such as an insurance broker. Generally, you have 14 days to cancel starting from the day of purchase. There are some products where you don’t have the right to cancel, e.g. where the price of the service depends on fluctuations in the financial markets.

For pension products, you get 30 days from when you enter into the contract, and for life insurance you have 30 days from when you’re told that the provider has agreed to accept you for cover. f you decide to cancel, you should receive the payment within 30 days of the date that you notify the company.

How to complain about insurance

How to save money on your car insurance tips for saving money before you take out any insurance

Do Morethan just comparison websites for insurance quotes! case study describing how you can come unstuck if you don’t do your full research when purchasing insurance

Warning about insurance procedures how to complain when an insurer doesn’t want to pay out

Banks and credit cards

How to increase a bank’s offer of redress case study where first offer of redress from bank was increased

Who else wants to get back those bank charges? how and when you can get back bank charges

How to ensure banks don’t break the Misrepresentation Act 1967 case study being wrongly charged commission for travel money

A guide to credit and debit cards and the Consumer Credit Act 1974 how you can get money back for goods and services from your bank or credit card company

VISA outage – what you need to know covers what you need to know if your credit card provider’s system goes down

credit cards in a black wallet

Using finance to purchase items

Everything you need to know about financing your car purchase the different ways of financing your car and what to do if you encounter problems

Taking things further

Why use the Financial Ombudsman? a guest post from a lead ombudsman on how, when and why to use the Financial Ombudsman

Gift cards

Looking a Gift Card in the mouth? all you need to know about your rights regarding gift cards

Looking a Gift Card in the Mouth

Payday loans

Everything you need to know about Payday loans guest post regarding information about your rights regarding loans

Bright ideas for complaining about Brighthouse (& avoiding them in the first place!) refunds and rights regarding Brighthouse

More help and advice on effective complaining

Why you should write not ‘phone to complain effectively the importance of writing not phoning when complaining

For more help on complaining effectively see Top 20 Tips How to Complain!

 

Cover of How to Complain updated 2019 large cow logo

 

For masses of information, tips, guidance, laws and regulations and templates GET THE BOOK! How To Complain: The ESSENTIAL Consumer Guide to Getting REFUNDS, Redress and RESULTS!

 

 

 

pink piggy bank and coins how to complain about financial products and services

 

 

Categories
Complaining about faulty goods Deliveries Financial issues Food from shops, hotels, restaurants & deliveries Holidays and transport Online shopping Supermarkets

All the laws and regulations you need to make a complaint about almost anything

Complain easily using consumer laws!

There are various laws which protect you against shoddy goods and services. All sorts! Here are the main ones.

Goods and Services

Consumer Rights Act 2015 – the most comprehensive useful law to cover you for most issues with products and services

Consumer Rights Act 2015 digital content the extra cover

The Consumer Rights Directive 2013  – these laws cover you for purchases in the EU

General

How to use the Misrepresentation Act 1967 all areas of the Act

A Guide to The Consumer Protection from Unfair Trading Regulations 2008 (amended 2014) covers your rights regarding unfair contracts and mis-selling

Holidays

The Minimalist Guide to Complain your consumer rights, ATOL and ABTA and for packages booked before o1 July 2018.

All you need to know about the Package Travel and Linked Travel Arrangements 2018 all your rights for holidays booked after 01 July 2018.

4 pics, laptop, headphones, coffee maker flowers

Utilities

Utilities are covered by the Consumer Rights Act 2015, however there are other rules and regulations specific to each sector

All you need to know to make a complaint about energy various posts with links to various posts that cover the energy regulations (OFGEM rules)

All you need to know about complaining to telecom providers various posts with links to various posts that cover the telecoms sector regulations (OFCOM rules)

Everything you need to know about your water supply your rights when something goes wrong

Further help for effective complaining

Why you should write not ‘phone to complain effectively the importance of writing not phoning when complaining

5 top tips for complaining effectively

Top 20 tips for complaining

 

 

For more help on complaining effectively see Top 20 Tips How to Complain!

 

 

 

Cover of How to Complain updated 2019 large cow logo

 

For masses of information, tips, guidance, laws and regulations and templates GET THE BOOK! How To Complain: The ESSENTIAL Consumer Guide to Getting REFUNDS, Redress and RESULTS!

 

 

101 Habits if an Effective complainer book cover with logo

 

101 Habits of an Effective Complainer to take you from never complaining and being fobbed off to complaining effectively!