Quaerens Free Complaint Pack Builder™
Problem with your bank? Organise the evidence before you complain.
Incorrect charges, blocked payments, account closures and unresolved complaints become difficult to follow when evidence is spread across statements, messages and departments. Build a professional Complaint Pack—free and privately in your browser.
How it works
From banking problem to organised complaint file
- 1
Add the bank, masked account reference and complaint details.
- 2
Record disputed transactions, charges and the bank response.
- 3
Organise amounts, chronology and supporting evidence.
- 4
Review, download and send your professional Complaint Pack.
Your Complaint Pack
A professional case file—not exported form data
- Executive summary and masked account facts
- Transaction and charge schedules
- Evidence-readiness and chronology
- Financial position and bank response
- Professional bank complaint
- Cover email and FOS status
What it covers
Bank complaints where evidence and transaction history matter
The builder helps you organise everyday bank-account, payment, charge, access and complaint-handling problems, while directing specialist disputes to the appropriate Quaerens route.
Payments and transfers
Failed, delayed, duplicated or reversed transfers, card payments, standing orders and missing credits.
Charges and Direct Debits
Unexpected fees, disputed overdraft or account charges, incorrect Direct Debits and refund handling.
Account access and closure
Restricted access, blocked cards or online banking, disputed closure notice and inaccessible funds.
Bank response and financial loss
Unresolved complaints, contradictory decisions, missing final responses and evidenced direct loss.
Consumer guidance
Understanding Bank Complaints
Banks and FCA-regulated firms must have complaint procedures. Keep statements, messages, transaction references and the final response; this page organises evidence and does not provide legal advice.
Formal complaint
Use the bank's current official complaint route and keep the reference and acknowledgement.
Most complaints
The standard response period is generally eight weeks before a Financial Ombudsman route may be available.
Payment services
Relevant payment-services and e-money complaints generally use 15 business days, not calendar days.
Exceptional extension
A relevant exceptional holding response may extend the payment-services final response period up to 35 business days.
Final response
Keep the decision and the stated Financial Ombudsman rights and deadline.
Financial Ombudsman
The service is free for consumers, is not a court and applies only where jurisdiction and time limits are met.
Specialist routes
Section 75, APP fraud, frozen accounts, car finance and other specialist products remain separate routes.
Safe references
Use masked references or last four digits; do not enter unnecessary full account or card numbers.
Official sources
Official complaint and Ombudsman guidance
Bank complaint FAQs
Common questions before choosing a route
Quaerens Free Complaint Pack Builder™
Free Bank Complaint Pack Builder™
Prepare a professional account, payment, charge, closure or complaint-handling file using the shared professional Complaint Pack process.
Browser-first privacyYour answers remain on this device unless you choose to download, copy or print them. Using the free builder does not send your answers to Quaerens.
Boundaries
Important bank complaint boundaries
This general builder does not replace specialist Section 75, APP fraud, Frozen Account, car-finance, investment, pension, mortgage or regulated debt routes.
Seek urgent specialist help for court papers, imminent financial harm or inaccessible essential funds where delay could materially worsen the position.
Before using your Complaint Pack
This builder organises bank-account facts, evidence and a self-service complaint pack. It does not submit complaints automatically or promise refunds, compensation or Financial Ombudsman acceptance.
Review every factual entry against statements, transaction records and correspondence before sending anything to a bank, provider or Ombudsman.