Disagree with a decision? Tell us why.
Every applicant has the right to a fresh, independent review. Submit your appeal in minutes — we'll handle the rest.
A simple, fair four-step review.
No jargon. No back-and-forth. Just a fresh pair of eyes on your file.
- 1
You submit
Online form, email or post — within 30 days of the decision.
Day 0 - 2
We acknowledge
A case handler is assigned and confirmed in writing.
Within 3 days - 3
Independent review
A senior underwriter who wasn't involved reviews afresh.
Days 3–14 - 4
Final decision
A clear written outcome with the reasons explained.
By day 15
What to include
A few details speed things up.
- Your application reference number
- The date of the original decision
- A short explanation of the grounds for appeal
- Any new or supporting documentation
How to reach us
Pick whichever channel suits you best.
Ready to appeal? Tell us the grounds and a senior underwriter will take a fresh look.
Start my appealSubmit your appeal
Acknowledged within 3 business days. Final decision within 15.
Still not satisfied after the appeal?
You can raise a formal complaint or, if eligible, refer the matter free of charge to the Financial Ombudsman Service at Exchange Tower, London E14 9SR (0800 023 4567 · financial-ombudsman.org.uk).
