Which? criticises bank complaint handling

One-fifth of complaints to banks about current accounts are not being cleared up to the satisfaction of customers, according to consumer group Which?

Its survey of 2,000 people found 26% had problems in the last year, of whom two thirds complained; 22% of those who did so were unhappy with the result.

Which? said all banks needed "to do more to put their customers first".

The British Bankers' Association (BBA) said moves were already under way to improve complaint handling.

A spokesman for the BBA said: "Banks take complaints handling seriously and are introducing initiatives to improve the service they offer customers such as the introduction of professional qualifications for complaints handling staff.

"In order to help further improve the service that customers receive, the BBA is establishing a Consumer Panel to bring together key consumer advocates and industry figures which will aim to identify any problems consumers are experiencing much sooner.

Which? questioned 2,000 UK bank customers in February.

The survey suggested that Lloyds TSB, with 30%, had the highest proportion of customers who had experienced a problem in the previous 12 months while First Direct had fewest, with 9%.

A spokeswoman for Lloyds said: "Our commitment to service is central to our aim of being the best bank for our customers.

"To do this, we'll continue to listen to our customers' feedback, focus on their needs and fix the cause of complaints and urge any customer who has an issue with their account to contact us

Frustration for complainants

With all this lovely snow around and little chance of getting to work time to blog. Was reading an article recently about how more frustration can be caused by the way an organisations handle complaints. When I first started in complaints in the 90's I learnt the importance of making it easy for people to complain.,  Even on our training program we bang on about breaking that 'ice' between the organisation and the customer. Yet, there are still organisations out there that will not entertain complaints unless they are in writing. A government department that will not accept a fax, and so on. No wonder people get frustrated by deeply entranced negative attitudes towards complainants. Time to go out a make a snowman!


  

Complaints are your best friends

Taken from News and Comment from Roy Lilley from nhs.manager net

Roy's rules for handling complaints!

Listen, don't justify, sympathise, make notes, agree a course of action and follow through.

Listen: Say to the person with the complaint; 'I want you to tell me exactly what's wrong. I want to listen to you and find out'. Tell me, exactly what happened.

Don't justify; if you were plagued with staff sickness, the phones were down, the computers didn't work, the post was late... is of no interest to the person with the complaint. Focus on them. Justification will look like an excuse.

Sympathise: Saying; 'From what you tell me this must have been: very cross-making; painful; disappointing; distressing' - is not the same as admitting liability.

Make it clear you are making a note; 'I just want to make a note of all this so I can be sure I understand'. It's part of active-listening and demonstrates you are really interested.

Agree a course of action: 'I'll talk to the nurses/receptionist/ doctor and make sure it doesn't happen again/change it/fix it. Is that OK with you?' Or; 'I don't have all the details to deal with this and I'll look into it and ring you tonight... tomorrow... next week with the answer'.

And, the deal-maker/breaker; follow through. Do what you said you would do and tell 'em if you can't.

Complaints can be worrying, disruptive, vexatious, false, heartfelt and pride denting. Complaints are disturbing but not knowing and not dealing with them is business suicide. Making complaints a fulcrum point of change and a lever to doing what you do better is a no-brainer.

NHS and GP complaints on the rise

The number of complaints to the General Medical Council has jumped by nearly a quarter in a year. But the regulator says it is not a sign of falling standards. So what could be behind the increase? Read the full article here.

 

"Careless", "insincere" and "unclear" communication has fuelled a surge in complaints against the NHS in England, the health service ombudsman has said. In all, it received 16,333 complaints in the year 2011-12. Read the full article here

British Gas improves complaints data transparency

British Gas is announcing changes that will increase transparency around its complaints data, and is calling on all other energy suppliers to follow its lead as soon as possible. The aim is to ensure that customers can accurately compare levels of customer service between energy suppliers for the first time.

Energy suppliers are currently required to publish an annual customer complaints report on their websites by 31 October each year. However, there is currently no agreed format for complaints reporting in the energy retail sector, other than the total number of complaints that a supplier was unable to resolve on the same day or by the next working day.

In addition to reporting the number of complaints unresolved on the first or following day, British Gas is now publishing a quarterly update, which includes:

• Complaint volumes per 100,000 domestic energy customer accounts
• The percentage of complaints resolved on the same or next working day
• The percentage of complaints resolved within eight weeks
• The volume of complaints accepted by the Ombudsman Services: Energy

British Gas is also publishing the five main reasons customers have complained during the quarter, and has set out clear actions it is taking to tackle the issues behind those complaints.

British Gas is making changes to its complaints data reporting in response to research the company undertook*, which showed 90 per cent of customers want a simple, consistent method of comparing energy supplier complaints data.

Ian Peters, Managing Director of Residential Energy at British Gas, said:

“Energy customers want to be able to compare energy suppliers on service as well as price. Simple, easy to compare information helps customers make an informed choice about their energy supplier. British Gas has set out a clear way of reporting complaints data. We are calling on all energy suppliers to adopt the same standard so that customers can, for the first time, make a meaningful comparison of customer service levels.”

British Gas complaints data

Last year, there were nearly 22 million e-mails, letters and calls to British Gas from its customers. Of these, 319,234 were complaints from domestic energy customers that could not be resolved by the end of the next working day. More customers are now communicating with British Gas via e-mail and the web. This means it can take more than one day to conclude a conversation and resolve the complaint, but also means it is more convenient for customers.

Annual complaints reporting – 1 October 2011 to 30 September 2012
Number of complaints unresolved by end of next working day	319,234
Unresolved complaints by end of next working day per 100,000 energy accounts	2,033
% of customer accounts with an unresolved complaint**	2%

Commenting on British Gas’ total number of complaints that a supplier was unable to resolve on the same day or by the next working day Ian Peters, Managing Director of Residential Energy at British Gas, said:

“We want to resolve customer complaints as quickly as possible, but we believe it’s more important to investigate thoroughly, fix things at the first complaint and fix properly – without the need for further complaints – even if this takes us a little longer.

“That’s why we’ve started to do things differently this year, including communicating with more customers via email. Many customers find this more convenient. We are embracing this change, even though this means it sometimes now takes a little more time for the conversation to conclude. This change will inevitably be reflected in our current complaints data, but we are happy to put customer service first.”

Quarterly complaints reporting	Q2 2012	Q3 2012
Number of complaints we received per 100,000 energy accounts	2,249	2,064
Number of complaints we resolved per 100,000 energy accounts ***	2,271	2,062
The percentage of complaints we resolved on the same working day or next day	78%	79%
The percentage of complaints we resolved within eight weeks	96.5%	95.3%
Number of complaints accepted by the Ombudsman Services: Energy	208	221

The top five issues behind complaints in Q2 and Q3 this year from customers were: payment issues; billing; debt; metering; and customer service. British Gas has already been taking steps to address these concerns – for example, by introducing a new, clearer bill and through British Gas’ online EnergySmart toolkit. British Gas believes the key to significantly reducing complaints is ensuring actual, accurate bills through smart meters, and in this area British Gas is leading the industry with more 600,000 smart meters installed to date in its customers’ homes and businesses.

Whine-O-Whine: How to Cope With Chronic Complainers

Snappy article from the Wall Street Journel. Worth a read.

Latest figures from the Financial Ombudsman Service (FOS)

The Financial Ombudsman Service today releases its latest set of six-monthly complaints data relating to individual financial businesses – including banks, insurance companies and investment firms.

The data published today on the ombudsman's website covers consumer complaints handled by the ombudsman service between 1 January and 30 June 2012. The data includes both the number of complaints received about individual businesses and the percentage of complaints the ombudsman service upheld in favour of consumers.

During this six-month period, the ombudsman service received a total of 135,170 new complaints – a 27% increase on the previous period. 91% of the total number of cases came from 169 financial businesses (out of more than 100,000 businesses covered by the ombudsman).
Complaints about payment protection insurance (PPI) made up 63% of the total complaints received by the ombudsman during the first half of 2012 – with 85,562 new PPI complaints (compared to 49,419 in the last half of 2011). Five banking groups accounted for 71% of all new PPI cases received between 1 January and 30 June 2012. Across all businesses included in the data, the uphold rate for PPI complaints ranged from 5% to 98%.

In total the number of new complaints about each of the individual businesses ranged from 31 to 23,703. Five banking groups had more than 8,000 complaints each referred to the ombudsman service, together accounting for 80,235 cases – almost 60% of all new complaints in this six-month period.
Commenting on the complaint statistics released today, Natalie Ceeney, chief executive and chief ombudsman, said:

'The volume of PPI complaints doubled in the first half of 2012 – and has continued to increase since then with up to 1,500 new cases now arriving each day.We’ve also seen an increasing shift towards consumers doing it themselves rather than using a claims manager – with up to half of all new complaints now coming directly from consumers without paid-for representation, compared to less than 20% a year ago.This means our consumer front-line is busier than ever – taking over 3,000 calls on PPI a day and bringing much needed clarity to confused and bewildered consumers.'

 Taken from the FOS website