Complaints


Complaints Manager Contact Details

Complaints Manager, Building 3, Callflex Business Park, Golden Smithies Lane, Wath-Upon-Dearne, Rotherham, S63 7ER

Phone: +44 (0) 1709 808 990

Email: info@propensio.co.uk

Our Procedures

Any complaint verbal or written will be referred to our complaints manager at the earliest opportunity or to a member of the senior management if the complaints manager is unavailable. We will also

  • acknowledge the complaint in writing promptly
  • give details in our acknowledgement letter of the Financial Ombudsman Service
  • make contact to seek clarification on any points where necessary
  • fully investigate the complaint
  • keep you informed of our progress
  • discuss with you our findings and proposed response

You will receive contact from us advising on progress if we cannot respond immediately. We will let you have our final response as soon as possible and not later than eight weeks.

We will be the first contact if you have any complaints. However, you can also refer your complaints to the Financial Ombudsman Service if:

  • you have already received our final response. The complaint must be referred to the Financial Ombudsman Service no later than 6 months after the date on which we sent you the final response; or
  • eight weeks have lapsed since we received your complaint. However, the complaint will not be considered by the Financial Ombudsman Service if it is referred more than 6 years after the event complained of or more than 3 years from the date on which you should have reasonably become aware that you had cause for complaint.

Finance Provider or Goods Supplier

Clients sometimes express dissatisfaction to us as the finance provider, about the goods supplied/installed. We will need to establish whether or not your complaint relates to the finance agreement or the service or performance of the goods supplier/installer. If unclear, this must not delay investigation and we will proceed with our own investigation. The complaints manager will review this matter and take the complaint to the supplier/installer if appropriate, in consultation with you.

Investigation

The complaints manager will establish the nature and scope of your complaint having due regard to the Financial Conduct Authority’s direction:

  • Deal with complaints promptly and fairly
  • Give complainants clear replies and, where appropriate, fair redress

Eligible Complainants

It is the firm’s policy to treat all complainants the same, however, eligible complainants are legally defined and have additional rights in law that we must acknowledge and adhere to.

Eligible complainants are those who have a potential claim against a firm where they believe they have suffered a financial loss due to poor advice or service and are:

  • Private Individuals acting outside of their employment
  • Companies within the EU definition of a micro-enterprise [this includes an “enterprise” which employs fewer than 10 people and has a turnover or annual balance sheet that does not exceed £2m. An “enterprise” includes self-employed individuals (i.e. sole traders) and small companies.
  • Charities with an income of under £6,500,000
  • Trustees of a trust with assets of under £5,000,000

The Financial Conduct Authority complaints rules apply to complaints:

  • made by, or on behalf of an eligible complainant;
  • relating to regulated activity, including consumer credit;
  • involving an allegation that the complainant has suffered, or may suffer, financial loss, material distress or material inconvenience;
  • not resolved by the respondent.
  • Referred directly to the Ombudsman Service where the complainant and the firm have both consented to FOS investigation

Final Response

This will set out clearly the firm’s decision and the reasons for it. If any compensation is offered a clear method of calculation will be shown.

We must include details of the Financial Ombudsman Service in the final response if dealing with an eligible complainant and a regulated activity, we will:

  • explain that the complainant must refer the matter to the ombudsman within six months of the date of this letter or the right to use this service is lost

Analysis

A root cause analysis will be undertaken by the firm in the case of any complaint and this will be recorded with the appropriate action having been taken.

Closing a Complaint

We will consider the complaint closed once we have issued you our final response letter

Financial Ombudsman Service

If our final response is not acceptable to you then you may be able to refer this matter to the Financial Ombudsman Service – full details regarding the Financial Ombudsman Service will be sent to you as part of our response to your complaint, or at any other time if you ask us to do so.

We will cooperate fully with the Ombudsman in resolving any complaints made against us and agree to be bound by any awards made by the Ombudsman.

We undertake to implement promptly any award made in your favour by the Financial Ombudsman Service

Contact

Contacting the FOS by Telephone

Telephone: 0800 023 4567 – Calls to this number are normally free for people ringing from a “fixed line” phone – but charges may apply if you call from a mobile phone.

Telephone: 0300 123 9123 – Calls to this number are charged at the same rate as 01 or 02 numbers on mobile phone tariffs.

These numbers may not be available from outside the UK – so please call the Financial Ombudsman from abroad on +44 (0)20 7964 0500.

The Financial Ombudsman will be happy to phone you back if you’re worried about the cost of calling them.