Complaints Information for our Customers
Complaints Officer Contact Details
- Name: Ben Graves
- Telephone: 02038352426
- Address: 23 Ansdell Terrace, London, W8 5BY
- E-mail: firstname.lastname@example.org
How Sunsave Group Ltd and its affiliates (Sunsave UK Limited and Sunsave Energy Limited) handles complaints
We aim to provide a very high standard of service to every client. It is important to us that all complaints are resolved as quickly as possible and to the complete satisfaction of our clients.
Any complaint verbal or written will be referred to our Complaints Officer at the earliest opportunity or to a member of the senior management if the Complaints Officer is unavailable. Our Complaints Officer is responsible for ensuring that we thoroughly investigate any complaints.
Who can complain? Defining an eligible complainant
An 'eligible complainant' refers to people or entities with potential entitlements to claim against a firm in circumstances where they have suffered (or likely to suffer) a financial loss, material distress or material inconvenience due to poor advice or services relating to regulated credit agreements. In order to be treated as an ‘eligible complainant’, the customer must satisfy the criteria in the Eligible Category of Customer and Eligible Agreement Type.
At this stage, it is also important to remember that a complaint can be made by the customer or someone who has the authority to act on their behalf.
From here on, an ‘eligible complainant’ may also be referred to as a ‘customer’.
Eligible Category of Customer
A Consumer / Individual - The following can be classed as a Consumer/Individual:
- A partnership of two or three persons (not all of whom are companies)
- Sole traders acting for business purposes
- Individual consumers acting in their personal capacity. This is someone buying goods or services for their personal use.
- An unincorporated body which does not consist entirely of companies (such as certain charities)
Eligible Agreement Type – Regulated Agreements only
In order to be an Eligible Agreement Type, the finance must be a ‘Regulated Agreement’. In order to identify whether an agreement is regulated, the agreement must have one or more of the criteria listed below:
- The credit provided is lower than £60,000
- The term/duration of the agreement is longer that 12 months,
- Or if the term/duration is shorter than 12 months contains interest or charges
If the finance does not contain and element of the above criteria then the agreement is unregulated.
On receipt of a complaint, we will:
- Acknowledge the complaint promptly (and in a timeframe no longer than 2 weeks)
- Make contact to seek clarification on any points where necessary
- Fully investigate the complaint
- Discuss with you our findings and proposed response
We are an Appointed Representative of Product Partnerships Limited (FRN: 626349). Therefore, you have the option of referring your complaint to our principal firm on the contact details provided below.
- Address: Product Partnerships Limited, Suite D2 Joseph’s Well, Hanover Walk, Leeds, LS3 1AB
- Telephone number: 01274 921234
- Email address: email@example.com
Adviser, Provider or Quality of Goods
Clients often express dissatisfaction to their adviser about the product provider, or the quality of the goods. We will need to establish whether or not your complaint relates to the advice given, the advisers service, the service or performance of the product provider, or the quality of the goods. If unclear, this must not delay investigation and we will proceed with our own investigation.
If the complaint is about another party, we will refer details of the complaint to the third party and confirm this course of action to you in writing.
The Complaints Officer 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
Complaints Settled within three business days – Informal Complaints Process.
Complaints that can be settled to your satisfaction within three business days can be recorded and communicated via an informal process.
If a solution to your complaint is proposed and you indicate your acceptance, we will promptly send you a ‘Summary Resolution Communication’, being a written communication from us which:
- Refers to the fact that you have made a complaint and informs you that we now consider the complaint to have been resolved to your satisfaction;
- We will tell you that if you subsequently decide that you are dissatisfied with the resolution of the complaint you may be able to refer the complaint back to us for further consideration or alternatively refer the complaint to the Financial Ombudsman Service;
In addition to sending you a Summary Resolution Communication, we may also use other methods to communicate the information where:
- We consider that doing so may better meet your needs; or
- We have already been using another method to communicate about the complaint.
Complaints which cannot be resolved within three business days
Where the Complaints Officer judges that your complaint cannot be resolved within three business days, or they were unable to resolve your complaint in this period, the formal FCA complaints procedure will be followed. This process requires that we:
- Send you an initial response letter within five days of receiving your complaint, or immediately on realising the informal complaints handling process will not reach a resolution;
- Provide you with details of our complaints handling procedures;
- Fully investigate the complaint and, where necessary, make contact with you to seek clarification on any points;
- Send you a final response letter as soon as possible, but no later than eight weeks after receiving the complaint, detailing how your complaint has been resolved and if any redress will be offered.
Our final response letter will set out clearly our decision and the reasons for it. If any financial redress is offered, a clear method of calculation will be shown, and it will be paid promptly and in full.
We will include details of the Financial Ombudsman Service (FOS) in our final response. If you are not satisfied with the outcome, you may be eligible to refer your complaint to FOS. You must refer the matter to FOS within six months of the date of this letter or the right to use this service is lost.
If we cannot resolve the complaint within eight weeks:
While we would always aim to complete an investigation within eight weeks, if, for any reason, our investigation is not concluded within this period, our Complaints Officer will write to the complainant again. We will inform him/her of the reasons for the further delay and advise that if he/she is not satisfied with our progress he/she may be entitled to refer the complaint to the Financial Ombudsman Service.
Closing a complaint
Where we receive confirmation from you that you are satisfied with the findings of the investigation and any resolution we have proposed, your complaint will be considered closed.
Where no confirmation has been received from you within four weeks of our final response letter, your complaint may also be considered closed.
Financial Ombudsman Service (FOS)
It is our policy to treat all customers the same, however, only eligible complainants may refer their complaint onto the Financial Ombudsman Service (FOS). Eligible complainants are legally defined and have additional rights in law that we must acknowledge and adhere to.
For details of what constitutes an eligible complainant, please see section above.
We will co-operate fully, at all times, with FOS in resolving any complaints made against us and agree to be bound by any awards made by FOS.
The contact details for FOS are:
- Telephone: 0800 023 4567 (free for most people ringing from a fixed line), 0300 123 9 123 (calls to this number cost no more than calls to 01 and 02 numbers), +44 20 7964 0500 (if calling from abroad)
- Email: firstname.lastname@example.org
- Website: www.financial-ombudsman.org.uk