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Appeals and complaints

We are committed to dealing with any appeals or complaints as quickly and fairly as possible. We hope that you will not need to make a complaint about us or raise an appeal. If you are not satisfied, we want to hear from you so we can address your concerns.

Appeals

You have a right to appeal:

  • Our decision to classify you as 'not co-operating'.
  • Our decision on your request for an alternative repayment arrangement.
  • Our decision to offer you an alternative repayment arrangement which you do not wish to accept.

You can appeal in writing at any time up to 22 business days from the date of our letter explaining our decision. Send the appeals letter to:

The Appeals Board
c/o Customer Resolution Centre,
PTSB, PO Box 13769 South City Delivery Office, Togher, Cork.

We will send you a written acknowledgment of your appeal within 5 business days. The Appeals Board will make a decision on your appeal within 40 business days of receiving your appeal.

Once the Appeals Board has made a decision on your appeal, it will write to you within 5 business days to inform you of its decision.

If you are unhappy with the outcome of your appeal, you may refer the matter to the Financial Services and Pensions Ombudsman (FSPO). The Ombudsman is an independent mediator whose services are available free of charge. 

 

Financial Services and Pensions Ombudsman 

Phone: (01) 567 7000. Lines are open Monday to Friday, 9am to 1pm and 2pm to 5pm

Website: Financial Services and Pensions Ombudsman
Email: info@fspo.ie

Postal address:

Financial Services and Pensions Ombudsman, Lincoln House, Lincoln Place, Dublin 2, D02 VH29.

Complaints

We are committed to providing our customers with the highest standards of service. If you have a complaint, we want to know! We will address the issue as quickly and as fairly as possible.

 

Our promise

You can be sure that we will deal with your complaint fairly, courteously and promptly. We will log and investigate your complaint as quickly and efficiently as possible. We will look at all the facts of your complaint and all issues raised on the basis of all the evidence available to us. Then, we will determine a fair and reasonable outcome.

If we need to ask for more information about your complaint, we will contact you.

 

How can I make a complaint?

You have several ways to voice your concerns. 

  • Online complaint form: Complete and submit our online complaint form. Our dedicated complaints team will get in touch with you.
  • Phone us: Contact our Arrears Support Team on 1800 855 010 or +353 21 601 3800 (from abroad). We will try to resolve your issue immediately. If we cannot agree a resolution during the call, we will log a complaint on your behalf for further investigation.
  • Write a letter: Send your complaint in writing to our Customer Resolution Centre, PTSB, PO Box 13769, South City Delivery Office, Togher, Cork.
  • Visit a branch: Speak with an advisor. They will try to resolve your issue immediately. If we cannot agree a resolution while you are in the branch, they will log a complaint on your behalf for further investigation.

However you choose to make a complaint to us, please provide your phone number so we can contact you to discuss it.

Please note: Any letters or online forms received after 5.30pm will be dealt with on the next working day.

 

What happens next?

  • We aim to resolve all issues immediately, where possible.
  • If we cannot resolve your complaint within 5 business days, we will write to you to formally acknowledge your complaint and provide you with a complaint reference number. We will also let you know the name and contact details of the person who is dealing with your complaint.
  • Some complaints are complex and cannot be resolved in the time we would like. While we investigate your complaint, we will keep you updated.
  • We may need to contact you for further details about your complaint and to keep you up to date on our investigations. You may receive these requests by phone, SMS or letter.
  • After all the details of your complaint have been investigated, we will send you a ‘Final Response Letter’.

 

What if I am still not satisfied?

If you are not satisfied with our initial response to your complaint, we encourage you to contact us to discuss the matter further. You can call us on 0818 818 700 or by using the contact information provided in your Final Response Letter.

If you are still not satisfied after contacting us again, you have the option to make a complaint to the Financial Services and Pensions Ombudsman (FSPO). They can help you resolve your complaint through mediation or through investigation and adjudication. 

For more information, see the booklet: How to make a complaint to the FSPO

 

Financial Services and Pensions Ombudsman contact information

Phone: (01) 567 7000. Lines are open Monday to Friday, 9am to 1pm and 2pm to 5pm
Website:  Financial Services and Pensions Ombudsman
Email: info@fspo.ie
Postal address: Financial Services and Pensions Ombudsman, Lincoln House, Lincoln Place, Dublin 2, D02 VH29.

 

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