For complaints we always aim to provide a high standard of care in all our services.

Our customers’ views are important to us and help to ensure our services are consistently meeting people’s needs. If you are unhappy with any of Our Services it is important that you let us know.

Making a suggestion

Often people feel more comfortable about suggesting improvements rather than complaining formally. Anyone receiving services, and their friends/ family, may make a suggestion.

First you should speak to the Manager or their Deputy.

Comments or suggestion boxes are available if you would rather make your suggestion that way.

If the suggestion is something that Loans Personal as a company needs to consider you can send it to:

Making a complaint

Loans Personal aim to handle complaints quickly, effectively and in a fair and honest way. We take all complaints seriously and use valuable information from investigating to help us improve the service we provide. And treat all complaints in confidence.

Loans Personal assures clients and their families that it will not withdraw or reduce services because someone makes a complaint in good faith.

Who can complain

Anyone affected by the way Loans Personal provides services can make a complaint.

A representative may complain for the affected person if they:

  • have died
  • cannot make a complaint themselves, or
  • have given consent for the representative to act on their behalf

If you are not happy about making a complaint yourself and you do not know someone who can talk or write to us on your behalf, we will be happy to find someone from an independent organisation to act as an advocate for you.

How you can make a complaint

  1. You can complain:

      • in person
      • by telephone
      • through a member of our staff
      • through an advocate or representative

    where someone complains orally we will make a written record and provide a copy of it within 3 working days

      • by letter
      • by email

    Anonymous complaints

    We deal with anonymous complaints under the same procedure; however it is better if you can provide contact details so we can tell you the outcome of our investigation.

    The Registered Manager has overall responsibility for dealing with all complaints made about their service.

    We will provide as far as is reasonably practical:

    • any help you need to understand the complaints procedure; or
    • advice on where you may get that help.

    How we handle complaints.

    The Registered Manager or Loans Personal may ask one of the management team to investigate the complaint. That person will have enough seniority and experience to deal with the issues raised by the complaint.

    We will acknowledge a complaint within 3 working days and give you the name and contact details of the person investigating it.

    Loans Personal will keep you informed about the progress of the investigation. Also we aim to have all complaints finished within 28 working days unless we agree a different time scale with you.

    When we have finished investigating, we will arrange to meet with you to discuss the outcome, and write to you with:

    • details of the findings;
    • any action we have taken; and
    • our proposals to resolve your complaint. 

    Time limits

    You should complain as soon as you can after the date on which the event occurred or came to your notice. If you complain more than twelve months later, we may not be able to investigate properly. But we shall also consider whether you had good reason for not making the complaint sooner and whether, despite the delay, it is still possible to investigate the complaint effectively and fairly.


    Once we have dealt with your complaint, if you are not happy with the outcome you can refer your complaint to the The Financial Ombudsman Service (FOS) and ask for it to be reviewed. The LGO provides a free independent service.