If you have a complaint

Letting us know you’re unhappy with the service you receive is the best way of ensuring that we have an opportunity of putting matters right for you and improving our service in future for you.

In the first instance you should raise your concern with the person or department you have been dealing with and they will endeavour to resolve your problem straight away. If you aren’t satisfied with the action they take you can make a formal complaint by contacting:

Complaints team
Hampshire Trust Bank,
80 Fenchurch St,
London
EC3M 4BY

E: [email protected]

To help us investigate and resolve your complaint as quickly as possible it would be helpful if you could provide the following information:

• Your name and address
• Your account or loan number
• Contact details, including your mobile, email and/or landline
• A clear description of your complaint
• Details of how you would like your complaint resolved

What we will do to resolve your complaint

We will do our best to resolve your complaint as quickly as we can.

Where we cannot resolve your complaint quickly (within the first 3 days of receiving it), we will promptly send you a written acknowledgment.

Sometimes these things can take longer. In these cases, we will send an update of our progress within 4 weeks of us receiving your complaint and we will send our final response, at the very latest, within 8 weeks of when we received you complaint.

If you are still unhappy

If you are still unhappy with our response to your complaint, you may be able to refer it to the Financial Ombudsman Service (FOS). The FOS was set up by the Government to support unresolved disputes between financial service firms and their customers. The service they provide is completely impartial and aims to provide fair and reasonable resolutions. They can be contacted at:

The Financial Ombudsman Service 
Exchange Tower,
London
E14 9SR

T: 0800 023 4567
E: [email protected]
W: www.financial-ombudsman.org.uk

If your complaint is about car finance

On 11 January 2024, the financial services regulator, the Financial Conduct Authority (FCA), announced it would be completing a review of the car finance market to ensure that any consumers that may have suffered a loss due to poor practices are compensated. On 19 December 2024, they provided an update on their review to include other motor commission arrangements.

While it undertakes the review, the FCA has introduced temporary complaint-handling rules relating to certain car finance complaints relating to commission arrangements. These temporary changes include:

• Extending the usual timeframe of 8 weeks to send you our final response on certain car finance complaints. This means that the period starting on 11 January 2024 and ending on 4 December 2025 is not counted when calculating this eight-week period, and we may not issue a final response about certain motor finance complaints until 29 January 2026. This applies to complaints received by us between 17 November 2023 and 4 December 2025 and have not yet received a final response.
• Giving you longer to bring your complaint to the Financial Ombudsman Service (FOS), if you’re eligible to refer your complaint to them. Usually, you’ll have 6 months from the date of our final response to refer your complaint to FOS, but the FCA has extended this for certain motor finance complaints. If we’ve sent you a final response between 12 July 2023 and 29 April 2025, you have until 29 July 2026 to take your complaint to the Financial Ombudsman. If we’ve sent you a final response between 30 April 2025 and 29 January 2026, you’ll have until 15 months from the date of our final response to refer your complaint to the Financial Ombudsman. For more information about this, visit the FOS website for Complaints about car finance commission.

If you would like more information, please visit www.fca.org.uk/carfinance.