If you cannot settle a complaint that you have with us, you may be entitled to refer it to the Financial Ombudsman Service (FOS). Telephone: 0800 023 4567 or email

For more information visit

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

The FSCS provides protection against a UK authorised Financial Services firm going out of business.

For more information, visit or contact 0800 678 1100 or 020 7741 4100.