Feedback and complaints
I have some feedback and ideas on how you could improve your service.
Qred values our customers’ opinions because we always strive to develop and improve our services and customer relations. We want to know what you think and appreciate feedback on how you experience our products, services and customer relations. Your feedback will be reviewed and evaluated by the team responsible for the product or service in question. Please get in touch with our customer service on the contact details here.
I am dissatisfied – How can I make a complaint?
Everyone has the right to expect a good service and to have things put right if they go wrong.
If you are dissatisfied, please contact Qred’s customer service in the first instance using the contact details above to give us the chance to resolve any problems or misunderstandings that have arisen. We aim to deal with all complaints promptly, effectively and in a positive manner. We will also ensure that the concerns you raised with us are also used as an opportunity to improve our products and services.
Wherever possible, we will attempt to resolve the matter during your initial contact with Qred’s customer service. If this isn’t possible, or you remain dissatisfied with the outcome offered, please continue to the section below.
I have contacted Qred’s customer service but remain dissatisfied. What should I do to take the matter further?
If you are dissatisfied with the response you have received from us, we recommend that you send a formal complaint to Qred's Complaints Officer by using the form here or by email to complaints[@]qred.com. The Complaints Officer will then, in an impartial, accurate and efficient manner, review the matter and make a new assessment.
Your case will be handled either by us via internal escalation at your request, or directly if you choose to proceed with your case via the form or email address provided above.
The written request must contain complete information about the case in order for it to be processed. The Complaints Officer needs to know what happened in your previous contacts with us, a description of why you are not satisfied and how you would like us to resolve your case.
You will receive an answer as soon as a final decision has been made, and no later than 14 business days from submitting your formal complaint. If we are unable to resolve your case within this time limit, we will contact you within the 14 business days with information on why it is taking longer than anticipated, when a response can be expected, and how we will proceed with your complaint. In such a situation, a final decision will be communicated within 35 business days from the date the complaint was received by us.
You will always receive your answer in writing, unless you and Qred have agreed otherwise.
If your complaint is rejected by Qred for any reason or if Qred has not been able to satisfy your request, you have the possibility to have the matter submitted for judgment in a court of law.
Complaints are handled in line with applicable legislation and the regulations and guidance issued by the Swedish Financial Supervisory Authority and the European Banking Authority.
If you have information on, or a reasonable suspicion of a potential breach of law in relation to Qred, you may send a report for processing here. You will receive a notification of receipt from Qred within 7 days. The designated impartial Case Manager will then conduct a thorough investigation and contact you with the outcome of the investigation within within 90 days of the receipt of the report. Whistleblowing reports are confidential and handled in accordance with the EU Whistleblower directive.