What can I do if I am unhappy with the outcome of my complaint?
If, for any reason, you are unhappy with our decision you can contact the Financial Ombudsman Service (FOS).
The FOS website www.financial-ombudsman.org.uk provides additional information on PPI complaints and on how to refer our decision for consideration if you are unhappy with it.
The Financial Ombudsman Service (FOS) will review your complaint using information both provided by yourself and by NRAM and will come to an unbiased and independent decision.
If you refer your complaint to the FOS before we have had 8 weeks to respond to your complaint, the FOS will refer the complaint to us to allow us the full 8 weeks to make our decision.