1. Inform the Financial Services Provider of Your Complaint.
Complaints against financial institutions or complaints about financial services should first be discussed with the financial institution concerned. All regulated financial services firms must have a complaints handling procedure in place as per our Consumer Protection Code,.
2. Refer your complaint to the Financial Services Ombudsman / Pensions Ombudsman
If you are not happy with the response from the financial services provider, you have the right to refer the complaint to the following statutory independent bodies:
- The Financial Services Ombudsman deals with complaints against financial services firms, including financial advisors and financial products.
- The Pensions Ombudsman deals with complaints about any person responsible for managing your employer pension scheme or PRSA.
3. Guide to Making a Complaint.
The Competition and Consumer Protection Commission's personal finance website has a three step guide to help you, should you wish to make a complaint against a regulated financial service provider.
4. Central Bank of Ireland
Please note that the Central Bank of Ireland does not investigate individual consumer complaints. However, we welcome information from consumers of financial products. The information thus obtained may be used in carrying out our prudential and supervisory activity, however due to secrecy laws we cannot disclose the details of any action that we might take on foot of the information provided.
Should you wish to seek personal redress, you need to contact the Financial Services Ombudsman or Pensions Ombudsman as outlined above.