Complaints Procedure for Customers
Bridle Asset Finance is part of the Bridle Group and a trading name of Hanborough Enterprises Limited Bridle Asset Finance is part of the Bridle Group and a trading name of Hanborough Enterprises Limited (‘the Company’, ‘Us’, ‘We’ or ‘Our’).
Hanborough Enterprises Limited is regulated for consumer credit activities and insurance distribution by the Financial Conduct Authority – Firm Reference Number 631448. You can check this information at www.fca.org.uk
Hanborough Enterprises Limited is registered with the Information Commissioners Office for the processing of data under The Data Protection (Charges and Information) Regulations 2018. Our Data Protection Licence number is Z264186X. You can check this information at www.ico.org.uk
Hanborough Enterprises Limited is a member of the British Vehicle Rental and Leasing Association and abide by their Code of Conduct. For further information visit www.bvrla.co.uk
We are a broker and not a lender.
Our customers are extremely important to us and whilst we aim to provide a trouble free and excellent level of service, we know that sometimes things go wrong. If you have cause to complain, we take any complaint very seriously and promise to deal with it promptly, effectively and in a positive manner.
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. An Eligible Complainant, has been classified by the FCA as:
- A private individual
- A business which has an annual turnover of less than £1 million (some restrictions may apply)
- A charity which has an annual turnover of less than £1 million
- A trust which has a net asset value of less than £1 million
- Who is or has been a customer of the firm
- The complaint arises out of matters relevant to being or having been a customer
- The complaint arises out of our actions or failure to act where the complainant is a potential customer of the firm
- Involves an allegation that the complainant has suffered, or may suffer, financial loss, material distress or material inconvenience
NOTE: A complaint may be made on behalf of an eligible complainant by another party authorised by you.
Making a complaint
If you have the need to complain, you may do so to any member of our staff
By calling us: 01189 838032
By emailing us: email@example.com
By writing to us: Bridle Asset Finance
North Leigh Business Park
Any complaint verbal or written will at the earliest opportunity be referred to a member of the senior management team and we will follow our internal complaints procedure. Please note that the complaint will not be handled solely by the person against whom the complaint was made, and we reserve the right, where appropriate, to refer a complaint to another firm, for example if the fault lies with the lender’s service.
We will try to resolve your complaint by the end of the next business day. However, it may always be possible if your complaint requires further investigation and we will keep you informed of the progress and we will let you have our final response as soon as possible and not later than eight weeks.
- 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
The complaints handler will establish the nature and scope of your complaint having due regards to the Financial Conduct Authority’s direction to deal with complaints promptly and fairly and to give complainants clear replies and, where appropriate, fair redress.
When investigating the complaint, we will take a number of steps and these may include
- Review of the facts
- Retrieval of relevant documentation and correspondence
- Speaking to relevant individuals
- Listening to relevant phone recordings
We will consider these in conjunction with your complaint. We will endeavour to respond to and resolve your complaint straight away, which we consider to be at least one business day after the day that we received your complaint. However, we may need to carry out further internal investigations which will not enable us to resolve your complaint straight away. In this instance we will send you a notice of investigation letter within 5 working days from when we received your complaint. The notice of investigation letter will include:
- The name and job title of the individual handling your complaint
- A timescale for when we will correspond further, which will be no more than 4 weeks from the receipt of your complaint
- A copy of our complaint handling procedure
We will keep you informed of the progress of your complaint and notify you in writing of the proposed resolution. In the unlikely event that our investigations require longer than 4 weeks to complete, we will write to you to explain why we are not yet in a position to respond to your complaint and indicate when we will make further contact. This must be within 8 weeks of the receipt of the complaint.
If after 8 weeks we are still not in a position to make a final response, we will write to you and give reasons for the delay and an indication of when we expect to provide you with a full and final response. At this point we must include details of the Financial Ombudsman Service (‘FOS’) who you can refer your complaint to if you wish to.
Once our investigations are complete, we will write to you with our response. This will be either a final response or an offer letter depending on the circumstances of your complaint.
A final response will set out clearly the firm’s decision and the reasons for it and is:
- Where we believe that we have fully addressed your complaint;
- Notified you that you may refer the complaint to the Financial Ombudsman Service if you remain dissatisfied with our final response and that you must do so within 6 months from the date of the final response; and
- Provide the website address of the Financial Ombudsman Service and refer to the availability of further information on the website of the Financial Ombudsman Service.
An offer letter is:
- Where we consider that you are entitled to some redress and believe that we have fully addressed your complaint. It will include information as to how we have calculated this and a page for you to state your acceptance and return to us. We will then forward the agreed redress in a final response letter.
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:
- 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
- Indicates whether or not the we consent to waive the relevant time limits, (where we have discretion in such matters)
- Provide the website address of the Financial Ombudsman Service
- Refer to the availability of further information on the website of 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
- We consider that doing so may better meet your needs
- We have already been using another method to communicate about the complaint.
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.
If you remain dissatisfied
We hope that you will be satisfied with our response but if you remain dissatisfied, you may refer the matter to the Financial Ombudsman Service, but you must do so within 6 months of the date of our final response letter. 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 the Ombudsman. The firm undertakes to pay promptly any fees levied by the Ombudsman. You may contact them
By calling: 0800 023 4567 (free for most people ringing from a fixed line) or 0300 123
9123 (cheaper for those calling using a mobile) or 020 7964 0500 (if calling
By emailing: firstname.lastname@example.org
By writing to: The Financial Ombudsman Service
Harbour Exchange Square
Alternatively, you may refer the matter to the British Vehicle Rental and Leasing Association (BVRLA). The BVRLA is approved by Government as a Consumer ADR body under the Alternative Dispute Resolution for Consumer Disputes (Competent Authorities and Information) Regulations 2015 and offers a free Conciliation Service. The Conciliation Service will investigate potential breaches of the Code of Conduct, which sets out the standards the BVRLA expects from its members. The Conciliation Service can only look at matters that relate to disputes arising from the activities of BVRLA members.
The BVRLA will aim to resolve the matter using the information presented by both parties to the dispute. Any information requested from either party should be sent to the BVRLA within five working days. Based on the information available, the BVRLA will provide both parties with its findings and recommendations and as members we must comply with their rulings. Further details may be found at: www.bvrla.co.uk/advice/guidance/using-bvrlas-conciliation-service
You may contact the BVRLA
By emailing: email@example.com
By writing to British Vehicle Rental and Leasing Association
For Your Information
We are required by the FCA to report on the number and types of complaints that we have received and when these complaints have been closed. We are required to use the FCA’s standard Complaints Form and electronic reporting procedure via the Firms Online service.
We examine and evaluate our procedures following receipt of a complaint to see how we can improve our service to our customers. Any recommendations resulting from this are escalated to one of our Directors who will analyse same prior to implementation.
We retain details of complaints for a period of at least 3 years.