Customer Complaints Handling Procedure

MAKING A COMPLAINT

At the Zinc Group Ltd. we take customer feedback and any complaints we receive very seriously. If you are unhappy with the service you have received please tell us as soon as possible about your complaint so we can try and put things right. To refer a complaint to the Zinc Group Ltd., please contact us on:The Zinc Group Ltd.
Compliance Department
58 West Regent Street
Glasgow
G2 2QZ
United Kingdom
Or telephone directly on 0141 301 1055 or email support@thezincgroup.com

HELPFUL INFORMATION

To assist us in dealing with your complaint please provide the following:

• The facts of your complaint (in the order of events) including the date and time the problem arose.
• Your full name, contact details and your customer reference number.
• How we can make things right.

ACKNOWLEDGING YOUR COMPLAINT

If your complaint cannot be resolved by the close of three business days following its receipt, we will acknowledge your complaint in writing within five working days of receipt and a full investigation will follow. We will also enclose a copy of our Complaints leaflet.

CLIENT RELATED COMPLAINTS

Where we believe the complaint would be best investigated by our client, we will notify you immediately (via a final response) and we will forward the complaint to our client.

INVESTIGATING YOUR COMPLAINT

Your complaint will be investigated and we will make every effort to issue a final response as quickly as possible. We may ask you to submit copies of documentation and additional information to assist us with our investigation. We have 8 weeks in which to resolve your complaint in accordance with regulatory requirements. However, we will endeavour to conclude our investigations and send you our final response before 8 weeks. If we are unable to do so, for example if we are awaiting information, we will send you a letter updating you with our progress.

OUTSTANDING COMPLAINTS

In the unlikely event we are unable to resolve your complaint within eight weeks from the date received, we will write to you explaining why and when you can expect to receive our final response. We will advise you of your rights to refer your complaint to the Financial Ombudsman Service (or alternative) if you remain dissatisfied and keep you updated on our progress.
The FOS will only consider your complaint once you have tried to resolve it with us, so please first allow us the opportunity to help.

FINANCIAL OMBUDSMAN SERVICE (FOS)

Exchange Tower
London
E14 9SR
Website: www.financial-ombudsman.org.uk
Telephone:
0300 123 9 123 (calls to this number cost no more than calls to 01 and 02 numbers)
0800 023 4 567 (calls to this number are now free on mobile phones and landlines)
Fax: 020 7964 1001
E-mail: complaint.info@financial-ombudsman.org.uk

NOTE:

Complete Credit Consultancy (part of The Zinc Group Ltd) is authorised and regulated by the Financial Conduct Authority for the recovery of debts due under a credit agreement. The Financial Ombudsman Service (FOS) offer a dispute resolution service free of charge for these accounts. Typically these accounts include bank accounts, loans and credit cards. If you refer your complaint to FOS you must do so within six months of the date of the final response letter. If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances. An explanatory leaflet will also be provided which provides further information about the Financial Ombudsman Service. Accounts that are non-regulated do not fall under the remit of the FOS. If your complaint is related to a non-regulated account (e.g. telephone, internet, gas, electricity, water accounts etc.) and you remain dissatisfied with our final response, you can alternatively contact the Credit Services Association:

CREDIT SERVICES ASSOCIATION (CSA)

2 Esh Plaza
Sir Bobby Robson Way
Great Park
Newcastle upon Tyne
NE13 9BA
Website: www.csa-uk.com
Telephone: 0191 217 0775
Fax: 0191 236 2709
Email: info@csa-uk.com