If you have an issue with your bank, building society, loan provider or packaged bank account and feel you've been dealt with unfairly, then raise your issue for free with resolver. Complaints raised via Resolver are officially recognised by the Financial Ombudsman Service. So if you can't resolve any case direct with the financial institution you have an issue with, it will be accepted by the ombudsman.
Resolver is not affiliated to, linked with or otherwise endorsed by any of the organisations within the Finance sector, or any of the companies or organisations that you can raise an issue with via us.
We are an entirely independent issue-resolution tool that enables the raising and handling of consumer issues, making complaining simpler for everyone.
We have 462 pages of rights guides for you covering 230 companies in the Finance sector. Feel free to browse these pages - they're all listed below - but the quickest way to find the best rights for you is by using our unique Rights Finder to access our extensive database of consumer rights information.
Start by telling us the name of the company or organisation you have an issue with.
You can use resolver to help you submit and manage your complaint against your payday lender for free, quickly and simply:
The number of payday loan complaints is increasing, with the number of complaints doubling over last year. If you feel that you have been treated unfairly or are unsure of your rights, using resolver and the Financial Ombudsman Service can help.
The financial services industry in the UK is regulated by the Financial Conduct Authority, an independent body that is paid for by charging fees to the members of the industry. Payday loan firms recently became regulated and so must follow the strict standards set by the Financial Conduct Authority.
In addition, from 2 January 2015, payday loans have been capped by the FCA. They are no longer permitted to charge you more that 0.8% of the total loan amount in interest per day, repayments are capped overall at no more than twice the original loan amount, and default fees cannot be more than £15.
You're covered by the Financial Ombudsman Service, but you'll need to wait eight weeks before you can submit a case to the ombudsman. resolver will remind you when this time is reached and will compile your case file for you. The Financial Ombudsman Service can help answer your questions and give guidance beforehand.
The Money Advice Service offers free advice on financial matters. It is run by the government as an independent, unbiased organisation dedicated to helping members of the public on all matters to do with money.
Explains your rights to you - We keep it simple, so there’s no confusion
You’ll find no legal jargon in our consumer guides, just solid, straightforward comprehensive consumer rights information. Plus, our consumer guides are tailored specifically for every type of issue.
Helps you prepare emails - Our templates are proven to get responses
We provide a wide range of flexible email templates for you to adapt to your needs – just slot in the specific details for your case, and in a few short clicks your issue will be ready to go.
Lets you record all your communications - Keep a copy of everything that’s said with your issue
One of the most important aspects of a complicated issue is keeping a record of all your correspondence regarding the complaint – resolver does this for you automatically.
Creates a case file for you - Save and upload all relevant communication and documents
Your case file is a secure online location for all important documents regarding your issue. You can upload photos, tickets, copies of receipts or external emails from before you raised your issue with resolver.
Lets you know when to escalate your complaint - Our system knows the next steps to take to escalate your complaint
If you’re not satisfied with the initial response from the organisation you have an issue with, our escalation process will let you know when you can raise your complaint to the next level of seniority and, ultimately to an ombudsman or regulator, where appropriate.