Can I complain?

Financial Services:

If you are complaining about a financial service provider, you must be one of the following:

  • a consumer
  • a surviving dependant of a consumer
  • a legal personal representative of a consumer who has died
  • a widow, widower or surviving spouse or civil partner of a consumer who has died
  • any person who is contractually entitled to benefit from a long-term financial service
  • a person acting on behalf of an actual or potential beneficiary
  • a consumer who has a credit agreement, such as a mortgage or loan, with a financial service provider, that is serviced by a credit servicing firm
  • an employee, or a former employee, entitled to benefit from an income continuance plan

You are a consumer if you are one of the following:

  • a private individual – for example a personal policy holder or account holder

or

  • a limited company
  • a sole trader
  • a trust
  • a club
  • a charity
  • a partnership

subject to a turnover limit of €3 million in the preceding financial year.

You must also be one of the following:

  • a customer of a financial service provider
  • a person or body to whom a financial service provider has offered to provide a financial service
  • a person or body who has sought the provision of a financial service

Pensions:

If you are complaining about a pension scheme, you must be one of the following:

  • a member, an external member, or a former member of a pension scheme, which is not an overseas pension scheme.
  • a surviving dependant of a member who has died
  • any person claiming to be a member or a surviving dependant of a member who has died
  • a contributor to a PRSA
  • a legal personal representative of a deceased member or deceased contributor
  • a widow, widower or surviving spouse or civil partner of a member or contributor who has died
  • any person with an entitlement under a scheme, for example, the holder of a Payment Adjustment Order