Call us: 01732 848088

Complaints Policy relating to Finance

Complaints Manager contact details

Name: Raie Bloor (Mrs)

Telephone: 01732 848088

Address: Unit 6, Ballard Business Park, Cuxton Road, Strood, Kent ME2 2NY

E-mail: info@fgc.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.

Adviser or Provider

Clients often express dissatisfaction to their adviser about the product provider. We will need to establish whether or not your complaint relates to the advice given, the adviser service or the service or performance of the product provider. 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 provider if appropriate in consultation with you.

Investigation

The complaints manager will 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

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 based whereby it believes he/she has suffered a financial loss due to poor advice or service that are:

  • Private Individuals
  • Companies within the EU definition of a microenterprise
  • Charities with an income of under £1,000,000
  • Trustees of a trust with assets of under £1,000,000
  • Professional clients and eligible counterparties where the person is an individual acting for purposes outside his trade, business, craft or profession

The Financial Conduct Authority complaints rules apply to complaints:

  • made by, or on behalf of an eligible complainant;
  • relating to regulated activity;
  • involving an allegation that the complainant has suffered, or may suffer, financial loss, material distress or material inconvenience;
  • not resolved by close of business on the day following receipt;
  • referred directly to the Ombudsman Service where the complainant and the firm have both consented to the 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

Where the firm has sent a final response; or where you have indicated in writing acceptance of the firm’s earlier response to confirm that you are satisfied with the findings of the investigations and any resolution

We will consider the complaint closed once we have issued to 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 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.

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

Contact

Contacting the FOS by 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

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 20 7964 0500

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

FINANCE OPTIONS AVAILABLE

What our customers say

Mr Mrs H @ Bucklebury West Berkshire

The service I received from FGD was professional and prompt from the initial on site survey through to installation and completion. Added to this the finished product has exceeded my expectations. It has enhanced my home with style and individuality, and enabled me to make use of the space in a way that is ‘unique’.

first class team from start to finish

We are extremely pleased with out beautiful doors & windows on our newly built front porch.
The whole team front start to finish were so very very helpful and we could not believe how quickly they were made & fitted for us.
The staff in the office could not be more helpful &

treena ribbens
treena

Luff – Caernarfon

As to how we were from initial contact (were we polite)? Staff were polite and prompt in answering telephone questions. There were technical problems with our installation and staff were open and discussed options and were polite. The fitters were surprised at the distance they had to travel to reach us each time, although we

Mr R D @ Stowmarket

We are pleased with the service, and the quality of finish so far, I look forward to seeing how they look after a few months. My only issues was the timings and delays, but I wouldn’t hesitate to recommend you and indeed have already a few times or use you again. 20150113

N & S, Manchester

Just wanted to say a big thank you for coming up to Manchester from Kent to service our doors. My wife and I appreciated the service and continue to be really pleased with them. Lots of friends comment on how lovely they look and the window cleaner took your card this week, he is thinking

Perfect product

These frameless glass walls have made a huge difference to our comfort at home. They are installed between our living rooms and conservatory. When open, they allow heat into the living area on a sunny day (reducing our heating bill) and when shut, they keep the cold and noise out. They are also much better

Heather Glasgow
Heather

Always Polite

Re delivery, there was an initial hope that you might be earlier than the 6-8 week lead time, but once that wasn’t going to happen, you gave us a date, and were then able to bring it forward a couple of days to fit around our holiday schedule, which was great.  Guys turned up at

Excellent Service

We have had excellent service from our doors, but recently experienced a problem with the handle. FCG sent a team out promptly, they arrived early and fixed the problem to our entire satisfaction quickly, efficiently and politely. A really nice couple of guys and it is a great comfort that when things go wrong, as

Carole Low
Carole

Great aftercare

We had our doors fitted in 2015 and have been very pleased with them. As with most things there are times when an adjustment is required to the doors or in our case a door needing to be replaced as it had developed a problem with condensation. The company has been very good at resolving

Sunil Parekh
S Parekh

Looks fantastic!

I am really impressed with the finished product and service e provided by FGC.
I had an image in my mind of how I wanted the end result to look. The “invisible” glassing was the most difficult and important part to source.
FGC came through with flying colours, right from the initial contact,

David, Surrey

Mr M K @ Saffron Walden

A heartfelt thank you from us. We knew we wanted something a bit special to set off our extension, which has been absolutely essential in making our new home work for the family. We scoured the internet for something that would allow an uninterupted view of the planned garden but would also allow us to

Superb service combined with outstanding designed product

In my view, the hallmark of something well designed is simplicity combined with good looks… FGC offer this in spades. Having looked at literally hundreds of bi-folding doors, we were struck by how straightforward the FGC product is – and, as far as it is possible to eliminate the frame except around the exterior of

Michael Roghani-Brown
Mike R-B