This notice sets out details of the complaints procedure which we operate to try to resolve
complaints which you, the client, may have with regard to the services that we provide to
you. This complaints procedure is aimed at resolving complaints quickly and
satisfactorily and further improving the quality of our service.

What our complaints procedure covers

Our complaints procedure covers complaints which you may wish to make with regard to
the services which we have provided to you, in particular, the manner in which we have
dealt with your Creditors and the information we have provided to you about our dealings
on your behalf.

How to make a complaint

If you are unhappy with the service we have provided to you, you should in the first
instance discuss the situation with your Initial Adviser or Client Liaison Officer. Should
you be dissatisfied with the explanation he or she has provided to you then your
complaint will be referred to the company’s Compliance Department. Written complaints
should be addressed to the Compliance Department.

How we will action your complaint

The Compliance Department will consider the contents of your complaint. We may need
to contact you for further information in order to better understand your position. We will
conduct a full investigation into the points raised and discuss the details of your
complaint with your Initial Adviser and/or Client Liaison Officer as appropriate. Once all
information has been considered you will be contacted further to confirm whether the
company accepts either completely or to some degree your complaint. Where applicable,
you will be advised of what steps the company will take to put right the complaint and
ensure that the same problem does not reoccur. It is the company’s objective to resolve a
complaint satisfactorily within 10 working days although where more detailed
investigation is required the process may take longer and up 8 weeks. You will be kept
informed of the time scale that will be required for us to investigate your complaint.

Financial Ombudsman Service

If you are not satisfied with our final response, you may be eligible to refer the matter to
the Financial Ombudsman Service, details of which will be provided at that time.

Your Rights

We hope that you will accept the decision of our Compliance Department. If this should
not be the case, you remain free at all times to seek an independent form of advice.

How To Contact us To Make a Complaint

You can call us on 0800 121 48 63

You can email

You can write to:
The Complaints Officer
Refresh Debt Services
Milltown House
Milltown Industrial Estate
Co. Down
BT34 3FN

Download a copy of our complaints policy here