Finance and Insurance Complaints Procedure

Putting our customers first is one of Research Garage Group’s core values. If you are unhappy about any aspect of the financial service we have provided or the financial product that you have purchased, then please do get in touch and we will investigate your concerns and do what we can to put things right.

PLEASE NOTE: For complaints associated to Regulated finance and insurance products only, please contact our compliance company – Automotive Compliance Ltd by;

Telephone:
01452 671560

Email:
complaints@automotive-compliance.co.uk

Letter:
Automotive Compliance Lth

The Factory, 44 Alfred Street, Gloucester, GL1 4DD

For complaints associated with vehicle mechanical or electrical problems, please contact the Research dealership that you purchased the vehicle from.

WHAT WE NEED FROM YOU?

To respond quickly to your complaint, it would be useful if you could provide us with the following information:

• Vehicle details: vehicle Registration Number, Make & Model
• Dealership details: the dealership where you bought the car and the date of purchase
• Documents: copies of your point-of-sale documents including your credit agreement
• Complaint: a clear statement of what your complaint is about and the resolution you require

INFORMAL PROCEDURE

Where possible, we will try to resolve your complaint quickly, without any fuss and to your satisfaction within 3 business days (Monday – Friday) of receiving your complaint. If this is not possible then we will use the formal written complaints procedure.

FORMAL WRITTEN PROCEDURE

1. We will acknowledge your complaint in writing (by letter and/or email) within 5 business days (Monday – Friday) of receiving your complaint. We will automatically provide you with a copy of this complaint’s procedure.
2. We will fully investigate your concerns and then provide a written response to you. This will be a letter (sent by email and/or letter) and will be headed FINAL RESPONSE LETTER. We have up to 8 weeks to send the Final Response Letter to you. However, we will always aim to provide our written response to you as quickly as possible. If your complaint relates to Discretionary Commission Arrangements, the Financial Conduct Authority (FCA) have paused the 8-week time limit to respond to your complaint until 25th September 2024. Please see www.fca.org.uk/carfinancefor further information.
3. The issue of the Final Response Letter marks the end of our formal complaint’s procedure.
4. If we are unable to respond to your complaint fully and in writing within 8 weeks of the date of receipt, or you are dissatisfied with the response we have provided, you may be able to refer your complaint to the Financial Ombudsman Service for adjudication within 6 months (15 months if it relates to Discretionary Commission Arrangements) of the date of the Final Response Letter. You will be provided with information about how to do this. You can only use the Financial Ombudsman Service if your complaint falls within their jurisdiction. If you would like more information about the Financial Ombudsman Service you can visit their website: www.financial-ombudsman.org.uk.

DATA PROTECTION

If you would like someone else to deal with your complaint on your behalf (for example a friend or relative) this is not a problem. However, for us to correspond freely with them, you will need to provide your authority for us to do so. We cannot deal with any third party on your behalf unless we are satisfied that you have instructed them in the matter.