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
