Notices

Savings customers - the interest rates on many of our variable rate savings products will be decreasing from 6 January 2025. Find out more

We will be emailing or writing to you shortly to let you know of how these decreases affect you. In the meantime, you can see all of these changes here.
Mortgage customers - our Managed Mortgage Rate (MMR) will decrease by 0.25% from 20 January 2025. Find out more:

From 20 January 2025, we'll be decreasing our Managed Mortgage Rates (MMR) by 0.25%. All on-sale discounted variable product rates and other details, including representative examples displayed on our website, have been updated to reflect these lower rates.
We will be writing to existing customers who have been impacted by this change, shortly, with details relevant to them.
View our Christmas opening hours here. For information on bank transfer processing times over the Christmas period please click here.
Rate changes following Bank of England decision to decrease its Bank Rate by 0.25% to 4.75% on 7 November 2024. Find out more

Savings: Interest rates for Windfall Bond and Tracker Savings Bond will decrease by 0.25% from 1 December 2024. We will be writing to all customers individually to confirm the new rates.
Mortgages: Tracker mortgages will change on 25 December 2024 and we will write to customers individually with revised payment details where the new rate exceeds the minimum rate (or ‘floor’) already applying to their mortgage.
(Notice updated 08/11)

Complaints

If you're not happy for any reason, please tell us. We'll work hard to resolve any complaint as soon as possible.

Whilst we do our best to provide excellent products and service, sometimes things can go wrong. If, for any reason, you are not entirely satisfied with any aspect of the Society's service you receive, please get in touch with us as soon as possible and we will do everything we can to put it right.

Your first point of contact should be the member of staff concerned or, if you prefer, their manager.

You can raise a complaint in any of the following ways:

In writing:
Family Building Society,
Ebbisham House,
30 Church Street,
Epsom,
Surrey,
KT17 4NL

By telephone:
Savings: 03330 140144
Mortgages: 03330 140146

By fax:
01372 745607

By email:
Savings: savings.service@familybsoc.co.uk
Mortgages: mortgage.service@familybsoc.co.uk

In person at our branch:
Family Building Society,
Ashley Square,
Epsom,
Surrey,
KT18 5DD

By 'Secure Message' available within our Online Service.

We aim to resolve your complaint within 3 working days whenever possible. If we cannot do this, we will send you a written acknowledgment within 5 working days and advise you of the name and job title of the senior manager handling your complaint from this point onwards.

Our final response

In our final response letter we will provide you with a summary of the complaint, the outcome of our investigation and our final view on the issues raised. We will also give you details of any offer we are making to settle the complaint. Where we offer remedial action or compensation, we undertake to provide it promptly, once it has been accepted by you.

Once a final response has been sent it is the end of the Society's internal complaints procedure. However, if you have additional information that you believe may change our decision you can contact us again if you wish.

Complaints involving other firms

If it appears to us that your complaint relates to the activities of another financial firm, we will pass your details to them promptly and let you know who to contact.

Timescales for our response

We will investigate your complaint and undertake to assess it fairly. During our investigation we may ask you to provide further information if this is required to assist in resolving the matter.

If it is a payment-related complaint we will do our best to respond to you as quickly as we can. Within 15 business days of receiving your complaint we will send you either a final response or, in exceptional circumstances, a further letter explaining why we are still not in a position to resolve your complaint.

For all other complaints we will endeavour to provide you with our final response within four weeks although, where possible, we will do our best to respond to you more quickly. Within eight weeks of receiving your complaint we will send you either a final response or a further letter explaining why we are still not in a position to resolve your complaint.

Financial Ombudsman Service

If you are not satisfied with an outcome previously agreed, our final response or we have not issued our final response within three weeks of receiving your complaint for payment-related complaints or eight weeks of receiving your complaint for all other complaints, you may be able to refer your complaint to the Financial Ombudsman Service.

The service was set up by Parliament and is free for customers to use. They will look at the facts of what's happened in a dispute between customers and financial firms. They may decide that a firm has dealt with a complaint fairly and will explain why to the customer or they may decide the firm has done something wrong and will then tell the firm to put things right.

A copy of the explanatory leaflet published by the Financial Ombudsman Service is available on request and will be enclosed with our final response.

The address and contact details for the Financial Ombudsman Service are:
Exchange Tower
London
E14 9SR

Telephone: 0800 023 4567or 0300 123 9 123
Email: complaint.info@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk

Our Online Service

You can operate your account anywhere and anytime with our Online Service.

Find out more