If you wish to register a complaint, please contact us:

• in writing Howdengrange Financial Services Ltd 109/12A Swanston Road Edinburgh EH10 7DS
• by phone 0131 445 4854

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4 567.