Our aim is always to provide an exceptionally high level of service to all of our
customers. Where customers feel they have cause to raise a complaint it is
important to us that these are dealt with objectively, fairly and within an
acceptable time frame.
The following procedure explains how we deal with complaints, our
commitments to you and what redress you have if you think your complaint
has not been resolved to your satisfaction.
If you have a complaint about any aspect of our service then we would like to
hear from you.
How to tell us if you have a complaint
To help us investigate and resolve your issue as quickly as possible, you can
contact us by telephone or in writing. The most appropriate person will handle
your complaint in the quickest possible time.

Our complaints contact details are:
Online at www.jtfinance.co.uk
By telephone on : 01214119916
By letter to : JT Finance, Basepoint Business Centre, Isidore Road, Bromsgrove, B60 3ET

What information do we need to address your complaint?
To assist us in resolving your complaint efficiently it would be helpful if you
could provide the following information.

• Your full name and preferred contact details
• Full details of your complaint
• Copies of relevant paperwork
• What you expect us to do to put things right
• Any other information that you think may be relevant

What we do if we receive a complaint from you?
Any complaint, verbal or written, will be allocated it to the most appropriate
Complaints Handler.

We will always try to resolve your complaint immediately. However,
sometimes this may not be possible. In all cases we will implement the
following process:
Complaint Process
1. Your case reference will be your order/contract number
2. We will give you the name and title of the person handling your complaint
3. We will send you written acknowledgement within 3 working days of receiving
your complaint
4. Make contact to seek clarification on any points where necessary
5. Fully investigate your complaint internally and third parties where relevant
6. Keep you informed and fully updated regarding any progress
7. Discuss with you our findings and our proposed response
8. Our aim will be to send you our final written response within ten working days
but no later than eight weeks as required by the Financial Conduct Authority
Investigation
The Customer Resolutions Department will work with the relevant department
managers to 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
  Eligibility
• Deal with complaints promptly and fairly

 Give complainants clear replies and, where appropriate, fair redress
Eligibility

It is JT Finance  policy to treat all complainants the same, however, certain types of
complaints fall within the scope of FCA rules and consequently within the jurisdiction
of the Financial Ombudsman Service.

FCA Complaints Rules

• Complaints made by, or on behalf of an eligible complainant; Eligible
  Complainants are essentially individuals and certain small businesses
• The Complainant must relate to the provision of or failure to provide a
  financial service or a redress determination and;
• The Complainant must allege that they have suffered, or may suffer, financial
  loss, material distress or material inconvenience.
  
  Final Response
  This will set out clearly the decision and the reasons for it. If any compensation is
  offered a clear method of calculation will be shown.
  Where appropriate we are required to 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
•  Indicate whether we consent to waive the relevant time limits.
  Complaints settled within 3 business days

Complaints that can be settled to your satisfaction within 3 business days can be
recorded and communicated differently. Where we consider a complaint to be
resolved to your satisfaction under this section, 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.
3. Indicates if we consent to waive the relevant time limits, (where we have
discretion in such matters)
4. Provide the relevant addresses of the Financial Ombudsman Service.
5. Refer to the availability of further information on the website of the Financial
Ombudsman Service.

Closing a complaint
We will consider a complaint closed when we have made our final response to you.
This does not prevent you from exercising any rights you may have to refer the
matter to the Financial Ombudsman Service.
What to do if you are not happy with our decision
If you have a regulated consumer credit contract arranged by us and are not
satisfied with our Final Response, you may be eligible to refer the matter to the
Financial Ombudsman.
Financial Ombudsman Service
If relevant then you can refer your complaint to the Financial Ombudsman Service –
you must do this within six months of our final response. When we send you a final
response, we will also provide you with a copy of the Financial Ombudsman
Service’s explanatory leaflet.
We will co-operate fully with the Ombudsman in resolving any complaints made
against us and agree to be bound by any awards made by them.
You can contact the financial Ombudsman at the following address:
The Financial Ombudsman Service
Exchange Tower

London
E14 9SR
Tel: 0800 023 4567 (free for most people from a fixed line) or 0300 123 9123
(cheaper for those calling using a mobile) or 020 7964 0500 (if calling from abroad)
Email: complaint.info@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk