Complaints Procedure

Complaints Contact Details

If you wish to submit a complaint about any aspect of Commercial Vehicle Contracts Limited, please write to us at the following address: Commercial Vehicle Contracts Limited, Knightsbridge Court, Middlesex Road, Bexhill On Sea, East Sussex, TN40 1LE 
  

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. 
  

Adviser or Provider

Clients are able to 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

  
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.

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 receives confirmation from you that you are satisfied with the findings of the investigation and any resolution, the complaint will be considered closed. 
  
Where no confirmation has been received from you within 8 weeks of the firm’s most recent letter, the complaint may also be considered closed. 
  
If the complaint remains unresolved at the end of the above process, then you are able to refer the matter to the primary and then secondary dispute conciliation providers detailed below for resolution: 
  

BVRLA – Primary Dispute Conciliation Provider

  
The BVRLA is approved by Government as a Consumer ADR body under the Alternative Dispute Resolution for Consumer Disputes (Competent Authorities and Information) Regulations 2015. Unresolved disputes may be referred to the BVRLA by either the customer or the member involved, however the member cannot initiate a complaint against the customer. 
  
Details can be sent by post to: 
  
BVRLA
River Lodge
Badminton Court
Amersham
HP7 0DD

  
The BVRLA will aim to resolve the matter using the information presented by both parties to the dispute. Any information requested from the member should be sent to the BVRLA within five working days. Based on the information available, the BVRLA will provide both parties with its findings and recommendations. The BVRLA aims to resolve complaints through the Conciliation Service within 30 days. 
  
What is covered under the Conciliation Service? 
The Conciliation Service will investigate potential breaches of the Codes of Conduct, which sets out the standards the BVRLA expects from its members. The Conciliation Service can only look at matters that relate to disputes arising from the activities of BVRLA members. 
  
Refunds 
Where the Conciliation Service finds in favour of the customer, we will look to ensure that any unjustified charges incorrectly raised by the member are refunded in full. The service cannot adjudicate on the quantum of the amount charged, only on whether the charge was correctly raised. 
  
Compensation 
The Conciliation Service does not have any jurisdiction to award compensation payments. 
  
No restriction of rights 
BVRLA members must comply with the rulings of the Conciliation Service. Use of the Conciliation Service does not restrict the rights of a complainant to pursue remedies through the courts. Customers are not obliged to retain a lawyer or legal advisor but may seek independent legal advice or be represented or assisted by a third party at any stage of the procedure. 
  

Financial Ombudsman Service – Dispute Conciliation Provider

The firm must co-operate fully with the Ombudsman in resolving any complaints made against it and agrees to be bound by any awards made by the Ombudsman. 
  
The firm undertakes to pay promptly the fees levied by the Ombudsman. 
  

Contact:

• Address: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR
• Tel: 0845 080 1800 (calls should cost no more than 5p a minute for BT customers - other networks may vary) or 020 7964 0500 (this number may be cheaper for calls from some mobile phones and other networks)
• Email: complaint.info@financial-ombudsman.org.uk
• Website: www.financial-ombudsman.org.uk