Please write to the Skandia Compliance Officer at:

Skandia Head Office
Skandia House
Portland Terrace
Southampton
SO14 7AY

or telephone us on: 02380 334411

When contacting us, it would be helpful if you could provide the relevant policy or account number(s), along with as much information as possible. This will help us understand your concerns and assist us with our investigation.

Please note that, if your complaint relates to the way the product was sold to you or the advice you were given, you should direct it to your financial adviser, not Skandia.

Your complaint will be acknowledged within five working days of it being received. We will contact you within four weeks with either a full response or an update on the progress we are making.

Please be aware that more complex complaints may take longer to resolve. Should this be the case, we will, of course, keep you informed of our progress and give an indication of when you can expect a final response.

Please be reassured that your feedback is welcomed. In our efforts to continually improve the service we provide, we take all complaints seriously, and seek to learn from them.

If your complaint is not dealt with to your satisfaction, you can refer the matter to the Financial Ombudsman Service using the contact details given below. The complaint must have been considered first by Skandia before the Financial Ombudsman Service will consider it.

The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR

0300 123 9123

• complaint.info@financial-ombudsman.org.uk
• www.financial-ombudsman.org.uk/