Complaints

We hope that you never have to complain about our products or services, however, we accept that on some occasions things can go wrong. Where we're at fault, we want to put things right as quickly as possible, and will apologise to you.

In the first instance....

  1. To query a transaction call 0345 872 8661 (Calls cost no more than a national rate call to an 01 or 02 number. They may also count towards any inclusive minutes in a phone contract in the same way as 01 and 02 calls). Office hours are: Mon-Fri 8.30am-7pm, Sat 9.30am-1pm, Sun Closed.
  2. Complaints may be made via several methods:
    • Telephone: 0345 872 8661. (Calls cost no more than a national rate call to an 01 or 02 number. They may also count towards any inclusive minutes in a phone contract in the same way as 01 and 02 calls)
    • Post: PO Box 3634. Chester. CH1 9NL
    • Email: customer.services@cardonebanking.com
Please provide us with your name, last 4 digits of your card number, your account number and the reason for your concern. Also include as much relevant information as possible to assist us. We will try to resolve your problem whenever possible within 24 hours.

If we are unable to resolve the matter within 24 hours we will record this as a formal complaint within our internal complaints procedure to be dealt with as follows:

  • Upon receipt of your formal complaint we will issue a prompt acknowledgement if we are unable to respond in full within five working days.
  • Based on the nature of your concerns and the information provided we will use all the information at our disposal to investigate and resolve your complaint. We may need to contact you for further information as part of this process if it will help us to resolve the issue.

Resolving your complaint....

  • A full and final response will be issued within 8 weeks from the date we receive your initial complaint, setting out our understanding of your concerns and a possible resolution.
  • If we are unable to issue our full and final response within 8 weeks we will write to you to update you on the progress of the investigation and the expected resolution date.
  • We are committed to ensuring all complaints are fairly addressed. However, if you are still unhappy with the outcome of our full and final response, or if 8 weeks have passed and we have been unable to respond, you have the following options:-
    • If you prefer, or if you feel you have additional information to support your complaint, let us know as we would welcome the opportunity to help resolve the matter in full.
    • Alternatively, you may choose to refer your complaint to the Financial Ombudsman Service for an impartial review and would need to do so within 6 months of our final response.

Financial Ombudsman Service Details

Financial Ombudsman Service
Exchange Tower
London
E14 9SR

Telephone: 0300 123 9 123
Email: complaint.info@financial-ombudsman.org.uk
www.financial-ombudsman.org.uk