Name: Sharon Kirk
Telephone: 01636 558888
Address: 3 Northgate Terrance, Northern Road, Newark, Nottinghamshire. NG24 2EU
We aim to provide a very high standard of service to every client. It is important to us that all complaints are resolved as quickly as possible and to the complete satisfaction of our clients.
Any complaint, verbal or written, will be referred to our Complaints Officer at the earliest opportunity or to a member of the senior management if the Complaints Officer is unavailable. Our Complaints Officer is responsible for ensuring that we thoroughly investigate any complaints.
• Acknowledge the complaint promptly
• Make contact to seek clarification on any points where necessary
• Fully investigate the complaint
• Discuss with you our findings and proposed response (Note 1)
As announced by the Financial Conduct Authority (FCA) on 11th of January 2024, the FCA has paused the requirement for firms to provide a final response letter within eight weeks of receiving a complaint where that complaint relates to discretionary commission arrangements for motor finance. These temporary rules apply where:
• The complaint is about a regulated credit agreement taken out before 28th January 2021
• The agreement financed the purchase or a motor vehicle
• There was a discretionary commission arrangement between the lender and the broker
• The firm: received the complaint between the 17th of November 2023 and 25th of September 2024; or sent its final response to the complaint between 12th of July 2023 and 20th of November 2024.
Therefore, we may not send you a final response until after 25th of September 2024, at the earliest. However, we may contact you within this time period to request additional information in order to fully investigate the matter.
If we issued the final response between 12th July 2023 and 20th November 2024, you now have up to 15 months from the date of the final response in which to refer the complaint to the Financial Ombudsman's Service (FOS). This is instead of the usual six-months period.
To find out more information about the FCA motor commission review, please visit: www.fca.org.uk/car-finance-complaints.
Clients often express dissatisfaction to their adviser about the product provider, or the quality of the goods. We will need to establish whether or not your complaint relates to the advice given, the advisers service, the service or performance of the product provider, or the quality of the goods. If unclear, this must not delay investigation and we will proceed with our own investigation.
If the complaint is about another party, we will refer details of the complaint to the third party and confirm this course of action to you in writing.
The Complaints Officer will establish the nature and scope of your complaint having due regards to the Financial Conduct Authority’s direction:
• Deal with complaints promptly and fairly
• Give complainants clear replies and, where appropriate, fair redress
Complaints that can be settled to your satisfaction within three business days can be recorded and communicated via an informal process.
If a solution to your complaint is proposed and you indicate your acceptance, we will promptly send you a ‘Summary Resolution Communication’, being a written communication from us which:
(1) refers to the fact that you have made a complaint and informs you that we now consider the complaint to have been resolved to your satisfaction;
(2) We will tell you that if you subsequently decide that you are dissatisfied with the resolution of the complaint you may be able to refer the complaint back to us for further consideration or alternatively refer the complaint to the Financial Ombudsman Service;
In addition to sending you a Summary Resolution Communication, we may also use other methods to communicate the information where:
(1) We consider that doing so may better meet your needs; or
(2) We have already been using another method to communicate about the complaint.
Where the Complaints Officer judges that your complaint cannot be resolved within three business days, or they were unable to resolve your complaint in this period, the formal FCA complaints procedure will be followed. This process requires that we:
• Send you an initial response letter within five days of receiving your complaint, or immediately on realising the informal complaints handling process will not reach a resolution;
• Provide you with details of our complaints handling procedures;
• Fully investigate the complaint and, where necessary, make contact with you to seek clarification on any points;
• Send you a final response letter as soon as possible, but no later than eight weeks after receiving the complaint, detailing how your complaint has been resolved and if any redress will be offered.
Our final response letter will set out clearly our decision and the reasons for it. If any financial redress is offered, a clear method of calculation will be shown, and it will be paid promptly and in full.
We will include details of the Financial Ombudsman Service (FOS) in our final response. If you are not satisfied with the outcome, you may be eligible to refer your complaint to FOS. You must refer the matter to FOS within six months of the date of this letter or the right to use this service is lost.
While we would always aim to complete an investigation within eight weeks, if, for any reason, our investigation is not concluded within this period, our Complaints Officer will write to the complainant again. We will inform him/her of the reasons for the further delay and advise that if he/she is not satisfied with our progress he/she may be entitled to refer the complaint to the Financial Ombudsman Service.
Where we receive confirmation from you that you are satisfied with the findings of the investigation and any resolution we have proposed, your complaint will be considered closed.
Where no confirmation has been received from you within four weeks of our final response letter, your complaint may also be considered closed.
It is our policy to treat all customers the same, however, only eligible complainants may refer their complaint onto the Financial Ombudsman Service (FOS). Eligible complainants are legally defined and have additional rights in law that we must acknowledge and adhere to.
Eligible complainants are:
• A consumer
• Companies within the definition of a microenterprise
• Charities with an annual income of under £6,500,000
• Trustees of a trust with assets of under £5,000,000
• A small business (only an eligible complainant if the conduct took place after the 1st April 2019)
• A guarantor
The Financial Conduct Authority complaints rules apply to complaints:
• made by, or on behalf of an eligible complainant;
• relating to regulated activity;
• involving an allegation that the customer has suffered, or may suffer, financial loss, material distress or material inconvenience;
We will co-operate fully, at all times, with FOS in resolving any complaints made against us and agree to be bound by any awards made by FOS.
Address: The Financial Ombudsman Service
Telephone: 0800 023 4567 (free for most people ringing from a fixed line)
0300 123 9123 (cheaper for those calling using a mobile)
44 20 7964 0500 (if calling from abroad)
Revised 26th February 2024