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Complaints Policy

We strive to offer the best service possible to our customers, unfortunately in some circumstances we may fall short of the high standards you should expect. We absolutely want to know if you have a concern, comment or complaint about the service we offer. Complaints help us to improve and become better at what we do. We accept that we are not perfect, but we promise to investigate any complaint thoroughly, respond as quick as possible and put our findings into practice if it makes us better.

If you are unhappy with any element of the Everything Financial service, please contact us using one of the methods below:

Everything Financial Ltd

Riverside

Mountbatten Way

Congleton

CW12 1DY

Email:

customerservices@everythingfinancial.co.uk

Telephone:

0333 9398550 - note calls to this number cost no more than calls to 01 and 02 numbers

If you are sending us a written complaint, please supply your details, a description of your complaint and how you think we can resolve it, and any other relevant information.

How long will it take?

Your complaint will be acknowledged promptly, and we will do all we can to resolve your complaint quickly. If we are to resolve your complaint within three working days after the receipt to your satisfaction, we will send you a short letter called a summary resolution communication confirming this. This letter will be sent out no later than two business days after resolution.

Where complaints may take longer to fully investigate or if we need to look into the matter in more detail, we’ll send you an acknowledgement usually by email within five working days.

We will always try our best to respond to your complaint as quickly as possible and we’ll send you our final response no later than eight weeks from when you first complained however in most cases you will receive a final response within four weeks of us receiving your complaint.

If we cannot complete our investigation within eight weeks, we will contact you to explain the delay and give you an indication of when to expect our response.

If you’re unhappy with the progress of your complaint or not happy with our final response, at this point, you can refer it to the Financial Ombudsman Service.

The Financial Ombudsman Service will only deal with your complaint if you have given us the opportunity to put matters right, so please contact us first and we will do all we can to help you.

Financial Ombudsman Service (FOS)

If you want the FOS to consider your complaint, you must send your complaint to them within 6 months of the date of our final response. Their contact details are:

The Financial Ombudsman Service Exchange Tower London E14 9SR Telephone: 0300 1239 123 - calls to this number cost no more than calls to 01 and 02 numbers 0800 0234 567 - calls to this number are now free on mobile phones and landlines Email: complaint.info@financial-ombudsman.org.uk Information regarding the service can be found on the Financial Ombudsman website: https://www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm
European Online Dispute Resolution Platform In relation to your complaint you can also request a review from the European Online Dispute Resolution platform: https://ec.europa.eu/consumers/odr/main/index.cfm?event=main.home2.show&lng=EN

This Customer Complaints Policy v5.0 shall be deemed effective as of 29/11/2021. No part of this Policy shall have retroactive effect and shall thus apply only to matters occurring on or after this date.

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Everything Financial Limited does not charge any fee for personal loans, however we may receive commission if we refer you to an Eligibility Checker Provider, if you click on an offer from a Lending Product Provider or if you enter into a credit or loan agreement with a Lending Product Provider following an introduction through this website. We will charge you a fee for advising and arranging a mortgage or secured loan and the amount payable will vary depending on your circumstances and the type of product chosen. This will be confirmed in our Terms of Business when you speak to us. Your home may be repossessed if you do not keep up repayments on your mortgage. Think carefully before securing other debts against your home. Everything Financial Limited is a registered company in England and Wales No. 08809373 at Riverside, Mountbatten Way, Congleton CW12 1DY. Everything Financial Limited is authorised and regulated by the Financial Conduct Authority, FRN 742815. Everything Financial Limited is registered with the Information Commissioner, Licence No. ZA034781. In respect of consumer credit, we are a credit broker not a lender. Telephone 0333 9398550. Copyright ©Everything Financial Limited 2022. All rights reserved.