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Making a Complaint

We don’t receive many complaints but if we do, we treat them very seriously as an opportunity for continuous improvement.

Complaints Procedure

This notice sets out details of the complaints procedure which we operate to try to resolve complaints which you, the client, may have with regard to the services that we provide to you. This complaints procedure is aimed at resolving complaints quickly and satisfactorily and further improving the quality of our service.

What our complaints procedure covers

Our complaints procedure covers complaints which you may wish to make with regard to the services which we have provided to you, in particular, the manner in which we have dealt with your Creditors and the information we have provided to you about our dealings on your behalf.

How to make a complaint

If you are unhappy with the service we have provided to you, you should in the first instance discuss the situation with a member of staff. Should you be dissatisfied with the explanation he or she has provided to you then your complaint will be referred to the company’s Compliance Department. Written complaints should be addressed to the Compliance Department.

How we will action your complaint

The Compliance Department will consider the contents of your complaint. We may need to contact you for further information in order to better understand your position.

We will conduct a full investigation into the points raised and discuss the details of your complaint with your Initial Adviser and/or Personal Finance Manager as appropriate. Once all information has been considered you will be contacted further to confirm whether the company accepts either completely or to some degree your complaint. Where applicable, you will be advised of what steps the company will take to put right the complaint and ensure that the same problem does not reoccur.

It is the company’s objective to resolve a complaint satisfactorily within 10 working days although where more detailed investigation is required the process may take longer. You will be kept informed of the time scale that will be required for us to investigate your complaint.

Financial Ombudsman Service

If we are unable to resolve your complaint within eight weeks of receipt, or you are unhappy with our written response to your concerns, you may be eligible to refer the matter to the Financial Ombudsman Service. We will provide you with details on how to do so at that time.

Your Rights

We hope that you will accept the decision of our Compliance Department. If this should not be the case, you remain free at all times to seek an independent form of advice.

Industry regulation

We are members of the Debt Managers Standards Association (DEMSA), an organisation founded to monitor and maintain high standards in the debt management industry, and are bound by the terms of its Code of Conduct. DEMSA has laid down procedures for handling complaints and member companies are bound by their decisions. Any complaint must in the first instance be addressed directly to us, but, should you feel the matter has not been resolved to your satisfaction, provided the dispute in question is covered by the Code of Conduct, you may refer your complaint to DEMSA.


This company is a member of DEMSA and subscribes to the DEMSA Code of Conduct.

DEMSA is an organisation founded to monitor and maintain high standards in the debt Management Industry. All members of DEMSA are bound by the terms of the Code of Conduct established by DEMSA, which covers the following areas:

How might DEMSA affect you?

If you have a complaint about the manner in which your Debt Management Company has handled your case you must, in the first instance, address your concerns to the company concerned.

Should the matter not be resolved to your satisfaction, please refer the matter to DEMSA, provided that the dispute in question is covered by the Code of Conduct. DEMSA has a laid down procedure for handling such complaints and this includes the right of referral to the Financial Ombudsman Service where appropriate.

Should you require a copy of the DEMSA Code of Conduct, please contact the General Secretary, DEMSA, West Point, Westland Square, Leeds LS11 5SS, or visit our website www.demsa.co.uk Tel: 0113 277 7610, Fax: 0113 277 3586. e-mail: info@demsa.co.uk

Debt Managers Standards Association Limited
A company limited by guarantee

You can view the DEMSA Code of Conduct by clicking here

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0845 274 8000
Usually Charged At Local Rate
Cheaper From A Mobile
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Pathfinder Financial Services also trades as DebtManagementUK and is a company registered in England number 7039857, Data Protection Registration number Z2019459, Consumer Credit Licence number 0659592. Authorised and regulated by the Financial Conduct Authority. All telephone calls are recorded and monitored. When calling our “0845” from a BT landline, the call may be free depending upon which plan you are on. If you are calling from a mobile it is probably cheaper to dial our “0161” telephone number. On this website we also provide hints, tips and guidance including a link to free services provided by the Money Advice Service. You will find a wealth of useful information on this site

Our registered office address is Barton Hall, Hardy Street, Eccles, Manchester M30 7NB

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