Complaints process

What you can expect from Ikano

If you have a complaint

We aim to provide simple products that meet your needs as a customer. Sometimes things go wrong - if this happens, please let us know as soon as possible so we can look into it and put things right.

If you don’t want to make a complaint and would just like to give us some feedback you can use our feedback form.

If you have a query or issue with your purchase from one of our retailer partners please go to the retailer disputes section of this page.

Complaints data

How to complain

By phone

If your complaint is about a store card or loan, call us on 0371 781 3080*

For savings complaints, call us on 0371 880 6182*

By post

Please let us know your full name, address, postcode, contact telephone number and the best time of day to contact you. Include any information that will help us look into your complaint (including your account number if you have one).

Store card or loans

Ikano Bank 
P O Box 10081


Ikano Bank
Savings Department
P O Box 1328
Newcastle Upon Tyne
NE99 5EA


What happens when we receive your complaint

If you call us to make a complaint, we’ll attempt to resolve this straight away. If we need to investigate further we’ll explain this to you and will let you know what happens next.

All complaints received by post or online form are passed to the relevant team to investigate. We will (where possible) aim to call you to discuss your complaint by the end of the third working day after we receive it. Please make sure you provide a contact telephone number so we can speak to you.

If we are unable to contact you by phone, we will send a written acknowledgement within 5 working days.

Final response

We aim to resolve all complaints as soon as possible.

Within 8 weeks of receiving your complaint, we will send you a final response letter. For more complex complaints it may not be possible to resolve your complaint within this time, if this is the case we will update you and let you know when we estimate a final response will be sent to you.

Your final response letter will include the details of our investigation, our decision about your complaint and any next steps. It will also include information about what to do if you are not satisfied with our response and information about the Financial Ombudsman Service (FOS).

If you’re not satisfied with our response

If you feel that our response to your complaint has not addressed the concerns you have raised, please call us on 0371 781 3080* (+44 371 781 3030* if you're calling from abroad) so we can understand if there is anything more we can do.

The Financial Ombudsman Service – an independent review of your complaint

If you are not satisfied with how we have resolved your complaint, you can refer your complaint to the Financial Ombudsman Service for an independent review. This service is free of charge and you can contact them at any time.

You can write to them at:

The Financial Ombudsman Service,
Exchange Tower,
E14 9SR

Telephone: 0800 023 4567 or 0300 123 9123



The European Commission offers a service for resolving disputes between consumers and online traders. You can access this service here:

If you have an issue with a purchase from a retailer partner

If you have an issue with a purchase you’ve made from one of our retailer partners using finance from Ikano Bank, we’ll ask you to complete a ‘dispute form’. We need you to do this so we have all the information we need to raise this with the retailer.

Call us to ask for a dispute form on 0371 781 3080*

Or, download a copy now

Post it to us at: 

Ikano Bank
PO Box 10081

Once we have received the completed form, we will raise this dispute with the retailer on your behalf. We’ll write to you to confirm this and let you know the details of how this will be investigated.

We’ll let you know if payments will still be required while the retailer is looking into your dispute.

After the retailer has investigated your dispute, we will write to you with a resolution.

You can call us on

0371 781 3080*

+44 371 781 3080 if you’re calling from abroad.

Open hours

Weekdays 8.30am to 9.00pm

Saturday 8.30am to 8.30pm

Sunday 10.00am to 1.00pm


*Calls to this number cost the same as a call to a standard "01" or "02" landline number, even when calling from a mobile. Calls to this number are also included in any bundled minutes or free talk time that covers landline calls. Where calls are made outside of a bundle you will be charged at the national rate.

Or email general questions to

For security reasons, Ikano only communicates by email for general information. We cannot resolve queries related to your account by email. If you choose to send sensitive or account specific information (such as card or account details) to us via email, you do so at your own risk

Or you can write to us about your account to:

Ikano Bank AB (publ)
PO Box 10081

Payment Protection Insurance

What is Payment Protection Insurance (PPI)?

Payment Protection Insurance (PPI) is an insurance product that enables customers to insure monthly repayments of credit products in the event they become ill or disabled, lose a job or face other circumstances that may prevent them from earning income to make their monthly payments.

Payment Protection Insurance does not extend to policies that cover you in the event of death or critical illness. These are classed as Life or Critical Illness policies and do not offer the same cover as a Payment Protection Insurance.

An easy way to check if you have taken out PPI with any of our loan or store card products is to check your statements for evidence of premiums paid. Also, you may have policy booklets and loan or credit agreements that show information on PPI.

If you have or had one of the store cards or loans with us listed below, you may have taken out PPI.

Please note we did not engage in any sales of new PPI policies after 23rd March 2009

If you have a concern about how your PPI Policy was sold, it's easy for you to contact us directly. You don’t need to use a Claims Management Company (CMC) who will typically charge an upfront fee or take a proportion of any compensation you may be due

To help with your query you can print out and complete the PPI Questionnaire

Download form

Or you can find it here:

Then post it with a covering letter to:

Ikano Bank AB (publ)
PO Box 10081

Or you can call us on the number above.

You have the right to refer your complaint to the Financial Ombudsman Service, free of charge if you feel that we haven’t come to a resolution that you are happy with. Although there are time limits for referring your complaint to the Ombudsman, we will consent to the Ombudsman considering your complaint even if you refer the complaint outside the time limits. You can find the details for the Financial Ombudsman above.

Accounts that may have PPI

Ikea Home Card
Ikea Home Loan
Leeds and Holbeck Personal Finance
Leeds and Holbeck Personal Loan
Leeds Personal Loan
The Austin Reed Credit Card
The CC Credit Card
The CC Mimosa Card
The Coast Card
The Habitat Card
The Habitat IFC
The Habitat Interest Free Loan


The Ikea Card
The Karen Millen Card
The Liberty Account Card
The Liberty Card
The Liberty Club Card
The Liberty Interest Free Loan
The New Look Card
The Oasis Card
The Oasis VIP Card
The Principles Card
The Principles Visa Card
Warehouse Fashions