Customer complaints

If you’re not happy with our product or service, we want to know. Find out how you can make a complaint and how we deal with it.

Make a complaint

Our goal is to help you. We aim to deal with you in a fair and balanced way. Our Customer Services team will be polite and respectful. If you feel that we haven’t met your expectations, you have a right to complain. Here’s how you can make your complaint.

We’ll confirm we’ve received your email, and will ask our dedicated Complaints team to investigate it. We will send you all updates on your complaint in writing by post.

If you have a complaint about your loan before it moved to Pepper

Please contact your previous service provider.

How we handle complaints

1

Acknowledging your complaint

We will write to let you know we have received a complaint from you within 5 working days of receiving it. We will tell you your point of contact for the duration of the complaint.

We try to resolve complaints within 40 working days. If this is not possible, we will let you know an approximate timeframe.

2

Inform you about progress

You will receive a written update on the progress of your complaint within 20 working days of the date we received it.

3

Tell you the outcome

We will write to let you know the outcome of your complaint within 5 working days of completing our investigation.

Know your options

If we have not resolved your complaint within 40 working days, or if you’re not satisfied with the result, you may contact the relevant ombudsman below.

Financial Services and Pensions Ombudsman (FSPO)

Find out how to make a complaint to the FSPO.

Website: www.fspo.ie

Phone: 01 567 7000

Email: info@fspo.ie

Write to:

Financial Services and Pensions Ombudsman
Lincoln House
Lincoln Place
Dublin 2
D02 VH29

Financial Ombudsman Service (FOS)

If your lender is a member of the scheme operated by the FOS in the UK, you can also refer your complaint there.

Fill out the FOS online complaint form

Website: www.financial-ombudsman.org.uk.

If you are in the UK, phone: 0800 023 4 567.

If you are outside the UK, phone +44 20 7964 0500.

Write to:

The Financial Ombudsman Service
Exchange Tower
London E14 9SR
United Kingdom