We do not anticipate that you will have any cause for complaint, however in the event that our service falls short of the standard you expect, we will investigate any complaints immediately if you write to our compliance officer at our offices. However if you are not satisfied with our response you can refer your complaint to the Financial Ombudsman Service (FOS – ). We will at your request send you a leaflet that explains the FOS arrangements. A copy of our complaints procedure is available upon request.