How to fight the big boys and win!

We show you how to complain in a way that gets results.

Last week, it was announced that energy giant Npower will be refunding almost two million homes that were overcharged for their gas back in 2007.

Affected consumers look set to receive an average of £35 each, after Npower agreed it had inadequately handled changes to the way customers were charged.

This rare ‘good news’ story - the result of a campaign by customers and Consumer Focus - prompted me to put together this guide. If you feel you’ve been unfairly treated by a company, here’s how to get your complaint taken seriously.

1. Approach the company directly

You may be tempted to go straight to the relevant ombudsman, but your first step should always be to approach the company directly.

An ombudsman usually won’t take on a case on your behalf until it’s satisfied you’ve first tried to sort things out yourself.

2. Don’t hang around

There are often time limits (set, for example, by the ombudsman concerned) which mean your complaint could be invalid if filed after a certain period of time. Always register your grievance as quickly as possible after the event in question.

3. Put your complaint in writing

Hard copy, written complaints often seem to be taken more seriously than those made by telephone or email.

It’s a good idea to type your letter, sign it yourself and send it recorded delivery. That way, there’s no possibility of the company claiming it ‘never received it’.

Similarly, if any verbal agreements are made (either over the phone or face-to-face) politely insist you get those in writing, too.

4. Follow procedure

An exception to the above tip is if the company’s preferred complaints procedure specifically asks that you call, or send an email.

All companies should have an official set of procedures to deal with complaints, so make sure you get a copy of this document at the earliest possible stage, and adhere to it.

Ed Bowsher attacks two of the biggest credit card rip-offs

You can always go ‘off-piste’ and approach them in a different way if the preferred method fails to get a response.

There are some useful general guidelines about how to complain (by phone and in writing) on this page of the Consumer Direct website.

5. Make copies

Make and keep photocopies of all correspondence you send. This is not only evidence of the complaint having being made, but a handy memory aid when you can’t remember exactly how you put things.

6. Useful templates

If you’re not a confident letter writer, use a template letter provided by a consumer group to help plan what you want to say.

For example, Consumer Direct has put together a range of useful template letters, covering everything from faulty goods and contract cancellation to unfair credit agreements.

7. A specific target

If you write ‘Dear Sir/Madam’ and send the letter to a company’s general address, you’re pretty unlikely to get a response.

8. Politeness costs nothing

Stick to the facts and try your very best not to get emotional or blow your top. That way, you won’t be providing the company with any ammunition about you being aggressive or unreasonable - and your complaint is more likely to be taken seriously.

No one likes a ‘Mr Angry of Tunbridge Wells’!

9. Call for back-up

Are you still dissatisfied with how your complaint has been handled? Now’s the time to contact the relevant ombudsman and ask it to take on your case.

There’s an ombudsman or complaints-handling organisation policing practically every industry in the UK. You can use this A-Z search tool to find the one you need.

For example, if your complaint relates to a financial company, you’ll need to deal with the Financial Ombudsman Service. This page of its website shows you the first steps to take.

10. Finally… avoid this rip-off!

You may be approached by one or more claims management firms, offering to take the whole nasty complaints business off your hands.

However, I would steer well clear - you’ll usually end up giving them your hard-earned cash with no guarantee of success. Read Got a complaint? Avoid this rip-off! to find out why they are a right royal rip-off!

More: Complain successfully about your broadband! | Five disgusting scams we hate!