Banks, card and catalogue lenders often don’t give an email address for complaints on their websites.
But you may not want to complain by phone – it’s not good for a detailed complaint such as affordability. And if you no longer have an account, you may not have access to the app or may find it hard to get through security.
The FCA rules say a lender has to let you complain by any reasonable means.
Most major banks have now listed a complaint email address on the FCA website, and so have some card and catalogue lenders.
If you have used an email address that has worked that isn’t listed here, let me know in the comments below.
Also let me know if one of these doesn’t work!
For all of these emails, put Affordability complaint as the email title.
Banks (loans, cards, overdrafts)
Bank of Scotland onlinecomplaints@bankofscotland.co.uk
Barclays wandim.execcomplaints@barclays.com
Clydesdale – see Virgin.
HSBC chrischipperfield@hsbc.com
Lloyds/Halifax onlinecomplaints@lloydsbank.co.uk
M&S Bank complaint@mandsbank.com
Monzo complaints@monzo.com
Nationwide karlene.white@nationwide.co.uk
Natwest/RBS customer.relations@natwest.com
Santander consumerservice@santander.co.uk
Sainsburys ian.cook@sainsburysbank.co.uk
Starling help@starlingbank.com
Tesco tbexbankcomp@tescobank.com
TSB jodie.thompson@tsb.co.uk
Virgin Money customerrelations@virginmoney.com
Other credit card lenders including Paypal
American Express louise.e.johnston@aexp.com
Capital One (Capital One, Luma, Ocean, ThinkMoney) complaintsresolutionuk@capitalone.com
Cashplus complaints@cashplus.com
Creation customercare@creation.co.uk
Jaja (also AA, Asda) legal@jajafinance.com
MBNA mbnaonlinecomplaints@mbna.co.uk
New Day (Aqua, Fluid, Marbles, Opus, Pulse, Bip, a lot of store cards, etc) complaints@newday.co.uk
Onmo help@onmo.app
Paypal ppelce@paypal.co.uk
Post Office pomscomplaintreferrals@postoffice.co.uk
Vanquis (Vanquis, Thimbl) customer.relations@vanquisbank.co.uk
Wave enquiries@chetwood.co (put Wave Complaint as the title)
Zable cardscomplaints@zable.co.uk
Zopa complaints@zopa.com
118 complaints@118118money.com
If you have two cards from the same lender, send a joint complaint about both of them.
Catalogue lenders
Argos ian.cook@sainsburysbank.co.uk
Freemans (also other brands Grattan, Curvissa, Bon Prix, Kaleidoscope, Look Again) iola.sanger@fgh-uk.com
JD Williams (Fashion World, Jacomo, Simply Be, Premier Man etc) daniel.mcintyre@nbrown.co.uk
LRUK (La Redoute) complaints@redoute.co.uk
Next financial.complaint@next.co.uk
Shop Direct (Very, Littlewoods, etc) Triage1@theverygroup.com
Studio (Studio, Ace) carl.fowler@studio.co.uk
If you have two catalogue accounts from the same lender, send a joint complaint about both of them.
Can you get an overdraft refund?
Is your card or catalogue limit too high?
Refunds from large loans eg banks