If there is an objection from the consumer or their guarantor regarding the amount claimed, creditors must: 

1. Document the complaint electronically in the consumer's file, enabling them to view it. 
    
2. Register the consumer's or guarantor's complaint based on the instructions issued by SAMA. 
    
3. Provide the consumer or guarantor with the expected time frame for resolving the complaint, not exceeding the periods specified by SAMA. 
    
4. Do not communicate with the consumer or guarantor to remind them of defaults until the complaint is resolved. 
    
5. Present the results of the complaint resolution to the consumer or guarantor and support it with documents justifying the resolution decision. 
    
6. If the consumer or guarantor is dissatisfied with the complaint resolution and wishes to escalate it, creditors must provide the consumer with the escalation mechanism and direct them to the appropriate entity.