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    A message about complaints

    We hope you will never have cause to raise a complaint about our service. However, if you do feel we have fallen short of your expectations, then please contact us in the first instance and we will do our utmost to put things right for you.

    If you are not satisfied with our response, you will be entitled to refer your complaint to the Financial Ombudsman Service who can be contacted at: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR, Telephone 0800 0234 567 www.financial-ombudsman.org.uk.

    The Pension Ombudsman can consider complaints about the administration of personal and group personal pensions as well as occupational schemes. You have the right to refer your complaint to The Pensions Ombudsman free of charge. The Pensions Ombudsman can be contacted at 11 Belgrave Road, London, SW1V 1RB, Telephone 0800 917 4487. www.pensions-ombudsman.org.uk