Student finance is a crucial lifeline for many pursuing higher education, but occasionally things go wrong. If you’re unhappy with the service you’ve received from Student Finance England (SFE), Student Finance Wales (SFW), Student Finance Northern Ireland (SFNI), or the Student Loans Company (SLC), it’s important to know how to lodge a complaint.
Step 1: Contact Student Finance Directly
Your initial step should always be to contact the relevant student finance body directly. This could be SFE, SFW, SFNI, or the SLC. Explain your issue clearly and concisely. Provide as much detail as possible, including your Customer Reference Number, the specific issue you’re facing, and what resolution you’re seeking. Keep a record of your contact, including the date, time, and the name of the person you spoke with (if applicable). They will usually try to resolve the issue immediately, and you should give them a reasonable amount of time to investigate and respond. This is typically around 10 working days.
Step 2: Formal Complaint to the SLC
If you’re not satisfied with the initial response or haven’t received a response within a reasonable timeframe, you can escalate your complaint. This usually involves submitting a formal complaint in writing. The SLC (which manages the delivery of student finance) has a formal complaints procedure outlined on its website. Your complaint should clearly state that it is a formal complaint, reiterate the details of the issue, and explain why you’re dissatisfied with the previous response. Include any supporting documentation that could help support your case.
The SLC will acknowledge your formal complaint and aim to provide a full response within a specified timeframe, usually within 15 working days. Their response will outline the findings of their investigation and explain what actions they’ve taken or propose to take to resolve the issue.
Step 3: The Independent Adjudicator
If you remain dissatisfied after the SLC has investigated your formal complaint, you have the option to take your complaint to the Independent Adjudicator for Higher Education (OIA). The OIA is an independent body that reviews unresolved complaints about higher education providers and student finance. However, you can only refer your complaint to the OIA after you have exhausted the SLC’s internal complaints procedure. The OIA will review your case and the SLC’s response, and make a recommendation on how the complaint should be resolved. Their decision is binding on the SLC, although you are not obligated to accept the OIA’s recommendation.
Before contacting the OIA, ensure you have gathered all relevant documentation, including your application details, correspondence with Student Finance/SLC, and the SLC’s final response to your complaint. The OIA has specific criteria for accepting complaints, so it’s important to review their website and ensure your complaint falls within their jurisdiction.
Important Considerations:
- Time Limits: Be aware of time limits at each stage of the complaints process. There are deadlines for escalating your complaint, so act promptly.
- Record Keeping: Maintain detailed records of all communication with Student Finance and the SLC.
- Evidence: Support your complaint with relevant evidence, such as application forms, letters, and bank statements.
- Clarity: Clearly articulate the specific issue you’re facing and the outcome you’re seeking.
Navigating student finance can be complex, but understanding the complaints procedure empowers you to address any issues effectively and seek resolution if you’re unhappy with the service you’ve received.