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 firstname.lastname@example.org
Clydesdale – see Virgin.
M&S Bank email@example.com
Virgin Money firstname.lastname@example.org
Other credit card lenders including Paypal
American Express email@example.com
Capital One (Capital One, Luma, Ocean, ThinkMoney) firstname.lastname@example.org
New Day (Aqua, Fluid, Marbles, Pulse, Bip, a lot of store cards, etc) email@example.com
Post Office firstname.lastname@example.org
Vanquis (Vanquis, Thimbl) email@example.com
If you have two cards from the same lender, send a joint complaint about both of them.
Freemans (also other brands Grattan, Curvissa, Bon Prix, Kaleidoscope, Look Again) firstname.lastname@example.org
JD Williams (Fashion World, Jacomo, Simply Be, Premier Man etc) email@example.com
LRUK (La Redoute) firstname.lastname@example.org
Shop Direct (Very, Littlewoods, etc) Triage1@theverygroup.com
Studio (Studio, Ace) email@example.com
If you have two catalogue accounts from the same lender, send a joint complaint about both of them.