This procedure is operated by Top Mortgages Ltd in relation to its financial services provided under the
Consumer Protection Code 2025.
Procedure Objectives
Courteous, Timely and Fair Complaint Handling
To respond to complaints in a courteous, timely and fair manner. Taking all reasonable steps to resolve any complaint with the consumer making the complaint.
Addressing Issues and Preventing Re-occurrence
To endeavour to address the specific issues raised by our customers and, where appropriate, update our procedures to avoid re-occurrence of problems.
Customer Resolution and Ombudsman Referral Rights
To endeavour to achieve a situation where our customer feels we have addressed the complaint, but if he/she remains dissatisfied with the outcome of our efforts, to ensure that he/she is notified of the right to refer the matter to the Financial Services and Pensions Ombudsman (FSPO).
Complaints Procedure
Complaints Record Management
Top Mortgages Ltd will establish and maintain a complaints file and all complaint records will be kept for six years.
Handling of Oral Complaints
Where Top Mortgages Ltd receives an oral complaint, we will offer the consumer the opportunity to have the complaint handled in accordance with the Top Mortgages Ltd complaints process. The firm will investigate the complaint on the basis of our understanding of the issue.
Complaint Submission Methods
Top Mortgages Ltd shall permit and facilitate submission of complaints in writing by post and by electronic means.
Complaint Tracking and Management Systems
Top Mortgages Ltd will implement and maintain systems and controls to effectively track and manage the progress and resolution of complaints.
Written Acknowledgement and Ombudsman Notification
Top Mortgages Ltd will acknowledge in writing each complaint within 5 working days of receipt. This acknowledgement will contain a copy of these procedures and notification that the complainant can refer the matter to the Financial Services and Pensions Ombudsman (FSPO) if he/she is not happy with the outcome of our investigation, or if the matter has not been resolved within 40 business days, the anticipated timeframe within which the firm hopes to resolve the complaint. Contact details of the Financial Services and Pensions Ombudsman (FSPO) will also be provided.
Investigation Process and Progress Updates
Top Mortgages Ltd shall investigate the complaint as swiftly as possible and shall provide the consumer making the complaint with a regular update, on paper or on another durable medium, on the progress of the investigation of the complaint at intervals no greater than 20 working days, starting from the date on which the complaint was received.
Resolution Timeframes and Escalation Rights
Top Mortgages Ltd will attempt to investigate and resolve the complaint within 40 business days of having received the complaint; where the 40 business days has elapsed and the complaint is not resolved, the complainant will be informed of the anticipated timeframe within which Top Mortgages Ltd hopes to resolve the complaint and that the complainant can refer the matter to the relevant Ombudsman and the contact details of such Ombudsman will be provided.
Outcome Report and Settlement Communication
Within 5 working days of the conclusion of our investigation of the complaint, Top Mortgages Ltd shall advise the consumer making the complaint on paper or on another durable medium of:
- The decision at the conclusion of the investigation, including the reasons for that decision.
- Where applicable, the terms of any offer or settlement being made to the consumer making the complaint.
- Where the consumer has a right to refer the matter to a relevant ombudsman, the fact that the consumer may refer the matter to the Financial Services and Pensions Ombudsman (FSPO).
- The contact details of the Financial Services and Pensions Ombudsman (FSPO).
Final Escalation to Ombudsman
Where it appears to Top Mortgages Ltd that the complainant is not satisfied with the outcome of our investigation, and where we feel that we cannot progress the issue further, we will immediately write to the complainant advising them of their right to refer the dispute to the Financial Services Ombudsman or Pensions Ombudsman (FSPO).
Senior Management Review and Process Improvement
A senior manager will review the file before its conclusion, and attempt to identify any procedures that can be implemented by our firm to avoid a repeat of the type of complaint received. Any new procedures will be immediately communicated to all staff and placed in the Written Procedures file.
Person Responsible for Complaints
The person responsible for complaints in Top Mortgages Ltd is: Paul Quinlan – Managing Director