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COMPLAINTS POLICY

At Flexible Finance (UK) Ltd we pride ourselves on the high level of service we offer to you. You should always find your dealings with us to be friendly, professional and consistent.

If, however, you find yourself to be unhappy with any aspect of the service provided by us, please contact one of our advisors in the first instance, as they will be more than happy to help and will do their best to put things right as soon as possible.

Our complaints procedure is designed to provide you with efficient and effective resolutions to any issues you may have with any aspect of our service. We promise to:

  • Listen to your complaint in full.

  • Understand the issue you have raised.

  • Resolve the issue as soon as possible.

 

How to Complain

  • Contact us on the telephone number or email address below, and we will deal with your complaint immediately.

  • If your complaint is one that we can resolve within 3 business days, we will contact you to explain the outcome of our investigation and any proposed resolution.

  • Should we believe that it will take longer than 3 business days to respond to your concerns, we will send you written acknowledgement of your complaint within 24 hours of receipt. At 4 weeks, if we have been unable to answer your complaint, we will send you a holding letter explaining our progress.

  • If after 8 weeks we have been unable to provide you with a final response, we will write to you explaining why and when you should expect to receive our final response.

  • In all cases, we will ensure that you are kept fully up-to-date with the progress of your complaint.

 

We are hopeful that in most cases we will be able to resolve any issues that may arise by working closely with you to address them.

However, should you feel that your complaint has not been dealt with satisfactorily, you have the option of contacting the Financial Ombudsman Service (FOS), who may be able to take your complaint further. You have 6 months from the date of our final response to refer your complaint to FOS (https://www.financial-ombudsman.org.uk - 0800 023 4567).

Compliance Manager
Flexible Finance (UK) Ltd

Office 26, The Orion Suites

Enterprise Way

Newport

NP20 2AQ

T: 01633 746201
E: complaints@flexiblefinanceuk.co.uk

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EXPERTISE
CONTACT

Trading address: Office 26, The Orion Suites, Enterprise Way, Newport, NP20 2AQ

Phone: 01633 746201 / 01633 746203

OPENING HOURS

Monday 9.30am - 5.00pm

Tuesday 9.30am - 5.00pm

Wednesday 9.30am - 5.00pm

Thursday 9.30am - 5.00pm

Friday 9.30am - 5.00pm

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Registered address: 374 Cowbridge Road East, Cardiff, CF5 1JJ
 

Flexible Finance (UK) Ltd is registered in England and Wales.
Company Registration Number: 07042668
Data Protection Registration No: Z1979025

Flexible Finance (UK) Ltd is authorised and regulated by the Financial Conduct Authority. Flexible Finance (UK) Ltd is entered on the Financial Services Register https://register.fac.org.uk/ under reference number 725544.

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THINK CAREFULLY BEFORE SECURING DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR SECURED LOAN OR MORTGAGE. IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERM OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.

Flexible Finance (UK) Ltd is a broker, not a lender. We will receive commission that will vary depending on lender, provider, product, or other permissible factors. Any commission received will be documented for your attention before you proceed. A broker fee of up to £1,995 may be charged. The exact amount will be disclosed to you at the earliest opportunity. Lender fees and valuation costs may also apply.

 

We offer second charge mortgage rates from 5.69% and loan terms from 3 years to 30 years.

Representative example: Rates from 5.69% variable. We also have a range of plans with rates up to 36.6% allowing us to help customers with a wide range of credit problems. Representative 11.3% APRC variable. Representative example: if you borrow £67,990 over 10 years, initially on a fixed rate for 5 years at 7.49% and for the remaining 5 years on the lender's standard variable rate of 9.00%, you will make 60 monthly payments of £806.70 and 60 monthly payments of £835.90. The total repayable would be £98,556 (this includes a lender fee of £995 and a broker fee of £1,995). The overall cost comparison is 9.7% APRC representative. Maximum APR 36.6%. The actual APRC rate available to you will depend on your individual circumstances. Loans and mortgages are subject to status and secured on property.

The Financial Conduct Authority does not regulate some forms of buy-to-let mortgages. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

 

The amount offered will depend on your personal circumstances including affordability and your credit rating.

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