A firm has not given a final response to a complaint after 8 weeks. What is the firm obliged to do at this point?

a) Inform the client that they can refer the matter to the Financial Ombudsman Service.
b) Inform the client that they can refer the matter to the Financial Services Compensation Scheme.
c) Refer the matter to the Financial Ombudsman Service.
d) Refer the matter to the Financial Services Compensation Scheme.

Answer = a