If you are a private individual and are not satisfied with how we dealt with your complaint, you may appeal your case to the National Board for Consumer Disputes (ARN). ARN is a public authority that functions roughly like a court. ARN will impartially try disputes between consumers and business operators. Complaints must be submitted in writing by the consumer. ARN provides recommendations on how disputes should be resolved,however ARN’s recommendations are not binding, but the majority of companies follow them. It usually takes about six months for ARN to make a decision on the complaint and this service is free of charge.