The arrangements referred to in LLD 7.2.1 R should have the following features.
They should allow for complaints to be made by any reasonable means.
Copies of the documents referred to in (2) should be sent to a complainant as soon as a complaint is received.
The Society should ensure that its employees and those of underwriting agents are aware of the complaints handling policy and arrangements, and should endeavour to ensure that they act in accordance with them.
All complaints should be investigated promptly and wherever possible provision should be made for review of that investigation by someone who was not involved in the matter complained of.
Appropriate management controls should be put in place to ensure that complaints are handled fairly, impartially and consistently and that recurring or systemic problems can be identified and remedied.
Complaints should be resolved speedily at the earliest stage possible.
If a complaint cannot be resolved speedily, a letter of acknowledgement should be sent promptly, indicating when the complainant can expect a substantive response.
All responses to complaints should adequately address the subject matter of the complaint.
A response to a complaint should be sent within four weeks of its receipt. This should:
accept the complaint and where appropriate offer redress (financial or otherwise); or
reject the complaint and give reasons for doing so; or
explain that it has not yet been possible to resolve the complaint and that more time is needed to do so, giving reasons for the delay and stating when a further response will be made.
If a complaint has not been resolved within eight weeks from the date on which the Society received it, the complainant should be told that more time is needed and reasons for the delay should be given, with a date when the complainant will get a further response.
any right to refer the complaint:
to any other independent dispute resolution scheme that may, pursuant to LLD 7.5.1 R, replace either of the schemes referred to in (a) and (b); and
arrangements and procedures for referring the complaint.
The redress referred to in LLD 7.2.8 G should include a reasonable rate of interest on sums to which the complainant would have been entitled but for the acts or omissions in question.
All correspondence and literature about the Society's handling of complaints should be in plain language.