Complaints procedure

Complaints officer contact details

Complaints officer contact details

Address
Complaints Officer
The Horsebox Financer
9B High Street
Congleton
CW12 1BN
Telephone
01625 324 444 (standard rate call charges apply)

Email
[email protected]

How The Horsebox Financer handles complaints

How The Horsebox Financer handles complaints

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.

On receipt of a complaint we will:

On receipt of a complaint we will:

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

Adviser, Provider or Quality of Goods

Adviser, Provider or Quality of Goods

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.

Our investigation

Our investigation

You will not make any payment to us for any introductions we make to finance providers regarding finance facilities to fund your purchase.

We may receive a commission payment from the finance provider if you decide to enter into an agreement with them. You can request us to disclose the amount of any commission received from a lender.

Complaints Settled within 3 business days – Informal Complaints Process

Complaints Settled within 3 business days – Informal Complaints Process

Complaints that can be settled to your satisfaction within 3 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:

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;

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:

We consider that doing so may better meet your needs; or

We have already been using another method to communicate about the complaint.

Complaints which cannot be resolved within three business days

Complaints which cannot be resolved within three business days

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.

Final response

Final response

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.

If we cannot resolve the complaint within eight weeks:

If we cannot resolve the complaint within eight weeks:

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.

Closing a complaint

Closing a complaint

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.

Financial Ombudsman Service

Financial Ombudsman Service

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 EU 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.

The contact details for FOS are:

The contact details for FOS are:

Address: The Financial Ombudsman Service
Exchange Tower
London
E14 9SR

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)
Email: [email protected]
Website: www.financial-ombudsman.org

The Horsebox Financer

9B High Street, Congleton,

Cheshire, CW12 1BN

E [email protected]

T 01625 324 444

F 01625 324 443

Company details

Our services



Horsebox finance

The Horsebox Financer is a trading style of The Vehicle Financer Ltd. The Vehicle Financer Ltd is authorised and regulated by the Financial Conduct Authority (FRN: 834015). We act as a credit broker not a lender. We can introduce you to a limited number of lenders who may be able to offer you finance facilities for your purchase. We will only introduce you to these lenders. We may receive a commission payment from the finance provider if you decide to enter into an agreement with them. You may be able to obtain finance for your purchase from other lenders and you are encouraged to seek alternative quotations. If you would like to know how we handle complaints, please ask for a copy of our complaints handling process. You can also find information about referring a complaint to the Financial Ombudsman Service (FOS) at financial-ombudsman.org.uk. For complaints information when a transaction is completed online, please also access the Online Dispute Resolution platform at http://ec.europa.eu/consumers/odr/

All finance is subject to status and income. Written quotations are available on request. Our advisors are all SAF (Specialist Automotive Finance) approved. The Vehicle Financer is a limited company registered in England and Wales. Registered number: 9970074. Registered office: The Vehicle Financer, 9B High Street, Congleton, CW12 1BN. ICO registration number – ZA171810.