DISP 2.7 Is the complainant eligible?

A complaint may only be dealt with under the Financial Ombudsman Service if it is brought by or on behalf of an eligible complainant.124

A complaint may be brought on behalf of an eligible complainant (or a deceased person who would have been an eligible complainant) by a person authorised by the eligible complainant or authorised by law. It is immaterial whether the person authorised to act on behalf of an eligible complainant is himself an eligible complainant.124

An eligible complainant must be a person that is:124

1. (1)

   a consumer3;

   3
2. (2)

   a micro-enterprise 3 ;

   3
   1. (a)

      3in relation to a complaint relating wholly or partly to payment services, either at the time of the conclusion of the payment service contract or at the time the complainant refers the complaint to the respondent; or

   2. (b)

      otherwise, at the time the complainant refers the complaint to the respondent;

3. (3)

   a charity which has an annual income of less than £1 million at the time the complainant refers the complaint to the respondent;

   10
4. (4)

   a trustee of a trust which has a net asset value of less than £1 million at the time the complainant refers the complaint to the respondent; or10

   10
5. (5)

   (in relation to CBTL business) a CBTL consumer.

   10

To be an eligible complainant a person must also have a complaint which arises from matters relevant to one or more of the following relationships with the respondent:124

1. (1)

   the complainant is (or was) a customer,626 payment service user 3 or electronic money holder626 of the respondent;

2. (2)

   the complainant is (or was) a potential customer,626 payment service user 3 or electronic money holder626 of the respondent;

3. (3)

   the complainant is the holder, or the beneficial owner, of units in a collective investment scheme and the respondent is:728

   728
   1. (a)

      the operator of a scheme;728 or12

   2. (b)

      the depositary of an authorised fund; or728

   3. (c)

      the depositary of a charity AIF;728 or12

   4. (d)

      the depositary of an ELTIF;12

4. (3A)

   the complainant is the holder, or the beneficial owner, of units or shares in an AIF that is not a collective investment scheme12 where the respondent is:728

   1. (a)

      the AIFM of an unauthorised AIF (other than a body corporate);728 or12

   2. (b)

      the AIFM or depositary of a UK ELTIF (other than a body corporate)12; or728

   3. (c)

      the AIFM or depositary of a charity AIF (other than a body corporate)12;728

5. (4)

   the complainant is a beneficiary of, or has a beneficial interest in, a personal pension scheme or stakeholder pension scheme;

6. (5)

   the complainant is a person for whose benefit a contract of insurance was taken out or was intended to be taken out with or through the respondent;

7. (6)

   the complainant is a person on whom the legal right to benefit from a claim against the respondent under a contract of insurance has been devolved by contract, assignment, subrogation or legislation (save the European Community (Rights against Insurers) Regulations 2002);

8. (7)

   the complainant relied in the course of his business on a cheque guarantee card issued by the respondent;

9. (8)

   the complainant is the true owner or the person entitled to immediate possession of a cheque or other bill of exchange, or of the funds it represents, collected by the respondent for someone else's account;

10. (9)

    the complainant is the recipient of a banker's reference given by the respondent;

11. (10)

    the complainant gave the respondent a guarantee or security for:

    1. (a)

       a mortgage;

    2. (b)

       a loan;

    3. (c)

       an actual or prospective regulated credit agreement;829

       829
    4. (d)

       an actual or prospective regulated consumer hire agreement; or

    5. (e)

       any linked transaction as defined in the Consumer Credit Act 1974 (as amended);

12. (11)

    the complainant is a person about whom information relevant to his financial standing is or was held by the respondent in providing credit references;829

    829
13. (11A)

    the complainant is a person about whom information relevant to his financial standing is or was held by the respondent in providing credit information; 11

14. (11B)

    13the complainant is a person about whom specified information was provided to a person in relation to a finance application;

15. (12)

    the complainant is a person:252

    252
    1. (a)

       from whom the respondent has sought to recover payment under acredit agreement or consumer hire agreement829 (whether or not the respondent is a party to the agreement); or275 25 2

       829275
    2. (b)

       in relation to whom the respondent has sought to perform duties, or exercise or enforce rights, on behalf of the creditor or owner, under acredit agreement or consumer hire agreement829 in carrying on debt administration;829 25 2

       829829
16. (13)

    the complainant is a beneficiary under a trust or estate of which the respondent is trustee or personal representative;4

17. (14)

    (where the respondent is a dormant account fund operator) the complainant is (or was) a customer626 of a bank or building society which transferred any balance from a dormant account to the respondent; 4

    626
18. (15)

    the complainant is either a borrower or a lender under a P2P agreement and the respondent is the operator of an electronic system in relation to lending.829

19. (16)

    15the complainant is a client (where the respondent is an ISPV).

16In addition, an individual is an eligible complainant if:

1. (1)

   they have been identified by the respondent as a politically exposed person, a family member of a politically exposed person, or a known close associate of a politically exposed person; and

2. (2)

   their complaint:

   1. (a)

      is that such identification is incorrect; or

   2. (b)

      relates to an act or omission by the respondent in consequence of such identification.

124The following are not eligible complainants:

1. (1)

   (in all jurisdictions) a firm, payment service provider,3 electronic money issuer, 626CBTL firm, designated credit reference agency, designated finance platform13 or VJ participant whose complaint relates in any way to an activity which:

   8291110
   1. (a)

      the firm itself has permission to carry on; or

   2. (ab)

      3the firm,626 payment service provider, 10electronic money issuer,11 CBTL firm,13 designated credit reference agency11 or designated finance platform13 itself is entitled to carry on under the Payment Services Regulations,11 the Electronic Money Regulations,11 the MCD Order,13 the Small and Medium Sized Business (Credit Information) Regulations11or the Small and Medium Sized Business (Finance Platforms) Regulations13; or626

      62610626101010
   3. (b)

      the VJ participant itself conducts;

      829

and which is subject to the Compulsory Jurisdiction or the Voluntary Jurisdiction;

1. (2)

   (in the Compulsory Jurisdiction) a complainant, other than a trustee of a pension scheme trust, who was:

   1. (a)

      a professional client; or

   2. (b)

      an eligible counterparty;

   in relation to the firm and activity in question at the time of the act or omission which is the subject of the complaint.14

2. (3)

   [deleted]829

930DISP 2.7.9 R (1) and DISP 2.7.9 R (2) do not apply to a complainant who is a consumer in relation to the activity to which the complaint relates.