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Hawkstone Motor Finance Treating Customers Fairly

 

Hawkstone Farley Group Ltd trading as Hawkstone Motor Finance
Of
The Old Fire Station, Pandy Park, Aberkenfig, Bridgend, CF32 9RE

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Treating Customers Fairly
 

At Hawkstone Motor Finance we are committed to giving you excellent customer service and treating you fairly. We are fully committed to providing the highest standards of client service and advice and we never forget that you have a choice of supplier and are grateful that you've chosen us.

Treating Customers Fairly (TCF) is a key principle set by the financial regulator the Financial Conduct Authority (FCA) to ensure that customers are treated fairly.
 

At Hawkstone Motor Finance we adhere to the FCA's six guiding principles on how to engage with customers, these govern how we communicate with our customers, the level of service we provide and the fairness of our products, services and procedures.
 

The six principles that we strive to achieve to ensure fair treatment of our customers

  1. Consumers can be confident that they are dealing with firms where the fair treatment of customers is central to the corporate culture.

  2. Products and services marketed and sold in the retail market are designed to meet the needs of identified consumer groups and are targeted accordingly.

  3. Consumers are provided with clear information and are kept appropriately informed before, during and after the point of sale.

  4. Where consumers receive advice, the advice is suitable and takes account of their circumstances.

  5. Consumers are provided with products that perform as firms have led them to expect, and the associated service is of an acceptable standard and as they have been led to expect.

  6. Consumers do not face unreasonable post-sale barriers imposed by firms to change product, switch provider, submit a claim or make a complaint.


Ways we meet these requirements in the day to day running of our business

  • We continually aim to understand the needs of our clients

  • We ensure that the marketing of our products is appropriately targeted, clear, not misleading and highlights the risks/conditions as well as the key features/benefits of a product.

  • We make certain our clients understand the risks associated with our services at the outset of an instruction.

  • We keep our clients fully informed in a clear and fair manner that is unambiguous and not misleading.

  • We ensure our services are delivered with clarity and transparency and do not contain hidden conditions or rely on complex technical definitions.

  • Any advice provided will be appropriate and take into account the customer's individual needs and circumstances.

  • We take our clients' privacy seriously and ensure that our staff are aware of and follow rules in relation to data protection to ensure that clients' details are kept secure and confidential.

  • We take any complaint seriously and will deal with any complaints promptly and make improvements to our operations where required.
     

If you have a complaint

Please visit our Complaints Policy page.

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Hawkstone Motor Finance is a trading style of Hawkstone Farley Group Ltd, a company registered in England and Wales at The Old Fire Station, Pandy Park, Aberkenfig, Bridgend, CF32 9RE with Company Registration Number 13836301. Hawkstone Farley Group Ltd is authorised and regulated by the Financial Conduct Authority (FRN: 987531). We act as a credit broker not a lender. We can introduce you to a limited number of lenders who may be able to offer you finance facilities for your purchase. You will make no payment to us for the introduction to our panel of lenders, typically we may receive a commission from the lender if you decide to enter into an agreement with them. You may ask us for details of such payments. Commission arrangements can be based on a percentage of the balance financed which means we will be paid a commission for introducing you to the lender. This will be a percentage of the amount that you borrow. This means the more you borrow, the more we will be paid. The commission will be the same no matter the interest rate that you pay. If you ask us, we will tell you in good time before the agreement is made the amount of any commission we will earn from the lender. Some lenders opt for a flat fee commission model. We will be paid a commission for introducing you to the lender. This will be a flat fee amount. This means the commission will be the same no matter how much you borrow or the interest rate that you pay. If you ask us, we will tell you in good time before the agreement is made the amount of commission we will earn from the lender.

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Representative example: cash price and borrowing £10,000 over 5 years with a representative APR of 10.9% and a Fixed Rate of 5.73%, and a deposit of £0.00, the amount payable would be £214.40 per month, with a total cost of credit of £2,864.00 and a total amount payable of £12,864.00. Option to purchase fee applicable of £1.00

Office Opening Hours

Monday 09:00 - 17:00

Tuesday 09:00 - 17:00

Wednesday 09:00 - 17:00

Thursday 09:00 - 17:00

Friday 09:00 - 17:00

Saturday Closed

Sunday Closed

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