DISP 1.2 Consumer awareness rules
5Publishing and providing summary details, and information about the Financial Ombudsman Service817
To aid consumer awareness of the protections offered by the provisions in this chapter, respondents must:
- (1)
publish appropriate information regarding their internal procedures for the reasonable and prompt handling of complaints;616
616 - (2)
refer eligible complainants to the availability of this information:616 5
5616-
5
- (a)
5in relation to a payment service, in the information on out-of-court complaint and redress procedures required to be provided or made available under regulations 43(2)(e)12 (Information required prior to the conclusion of a single payment service contract) or 4812 (Prior general information for framework contracts) of the Payment Services Regulations; or
- (aa)
in relation to CBTL arrangers, in the information on registering complaints internally and out-of-court complaint and redress procedures provided under article 7(1)(h) of Schedule 2 to the MCD Order; or
9 - (b)
otherwise, in writing at, or immediately after, the point of sale ; and12
817 - (c)
in relation to a payment service, at the branch where the service is provided; 12
- (a)
- (3)
provide such information in writing and free of charge616 to eligible complainants:
616 - (4)
provide information to eligible complainants, in a clear, comprehensible and easily accessible way, about the Financial Ombudsman Service including the Financial Ombudsman Service's website address:817
- (a)
on the respondent's website, where one exists; and817
- (b)
if applicable, in the general conditions of the respondent's contract with the eligible complainant.817
- (a)
[Note: article 15 of the UCITS Directive, article 13(2) of the ADR Directive,12 article 14(1) of the ODR Regulation, 12regulation 19 of the ADR Regulations and article 101 of the Payment Services Directive12]7817
10181018Where the activity does not involve a sale, the obligation in DISP 1.2.1R(2)(b):11
- (1)
shall apply at, or immediately after, the point when contact is first made with an eligible complainant; and11
- (2)
where the respondent is a not-for-profit debt advice body:11
- (a)
may be met at, or immediately after, the point when contact is first made with an eligible complainant, by making an oral reference to the availability of the information if the respondent does not communicate with the eligible complainant in writing then; and11
- (b)
must be met in writing on the first occasion on which the respondent communicates with the eligible complainant in writing.11
- (a)
If an MCD credit intermediary has, before or at the point of sale, provided an eligible complainant with appropriate information in a durable medium about their internal procedures for the reasonable and prompt handling of complaints pursuant to another rule, the MCD credit intermediary need not refer to the availability of that information again under DISP 1.2.1R(2)(b).
5Content of summary details
The817 summary details concerning internal complaints handling procedures 817should cover at least:
817- (1)
how the respondent fulfils its obligation to handle and seek to resolve relevant complaints; and
- (2)
(where the complaint falls within the jurisdiction of the Financial Ombudsman Service)7 that, if the complaint is not resolved, the complainant may be entitled to refer it to the Financial Ombudsman Service.
5Financial Ombudsman Service logo
Respondents may also display or reproduce the Financial Ombudsman Service logo (under licence) in:
- (1)
branches and sales offices to which eligible complainants have access; or
- (2)
marketing literature or correspondence directed at eligible complainants;
provided it is done in a way which is not misleading.
The Pensions Ombudsman
13Where respondents are required to provide information in relation to the Financial Ombudsman Service, they may also, where relevant, do so in relation to the Pensions Ombudsman on the same basis as set out in DISP 1.2.1(4)R and DISP 1.2.3G.
13Where respondents are permitted to display or reproduce the Financial Ombudsman Service logo, they may, where relevant, also display or reproduce the Pensions Ombudsman logo (with consent) on the same basis as set out in DISP 1.2.5G.