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Crystal Windows & Doors Limited Complaints Handling Procedure.
The purpose of this policy is to stipulate how we will identify, manage and respond to any complaints received. This will include our regulatory obligations as an FCA regulated firm, but also our commitment to our customers and our endeavour to always provide the best possible service.
Complaint handling forms a key part of our staff training programme and we ensure that all customer facing staff have been trained in how to identify and manage complaints accordingly.
We firmly believe that we provide a first-class service to all of our customers, however, we do understand that sometimes things may go wrong leaving our customers not entirely satisfied.
When we are made aware of any shortcomings in our products or services, we will always respond in a professional and courteous manner, ensuring that all complaints are handled objectively and without undue delay.
This policy will cover the handling of both eligible and ineligible complaints. The FCA define an eligible complaint as, ‘Any expression of dissatisfaction, whether oral or written, and whether justified or not, from or on behalf of an eligible complainant about the firm’s provision of, or failure to provide, a financial service’.
For our business, eligible complaints will only be complaints relating to the finance products we offer to our customers as a credit broker. For these complaints we have strict regulations and time limits which we are aware of and must adhere to. This policy stipulates how we will ensure we are meeting these regulatory requirements.
Eligible complaints must also be from an eligible complainant, which would be one of our customers, or someone who has been appointed to act on behalf of our customer.
Ineligible complaints are all other complaints which do not meet the FCA definition and are not linked to our regulated activity of credit broking. These are not covered by FCA regulations however we will endeavour to handle these in much the same way as we would an eligible complaint, to ensure complainants are kept informed of the status and progress of their complaint. Ineligible complaints can include but are not limited to; complaints about the standard of customer service or complaints about the timeliness and tidiness of our installation or delivery staff.
Our first step is to assess whether the complaint points raised relate to us or a 3rd party, such as the lender who provides the loan to the customer and whether the complaint is an eligible complaint from an eligible complainant.
After the initial information has been collected, the Complaints Manager will assign the complaint to an appropriate member of staff.The designated person will not have any conflicts of interest in managing and investigating the complaint. All complaints will be investigated competently, diligently and impartially so we can be sure that we are able to treat our customers fairly.
Following the steps shown on the ‘process flow’ below the complaint will be thoroughly investigated and the Customer will be kept appraised by the agreed communication method on a regular basis.
Once the complaint has been fully investigated the Complaints Manager will authorise any appropriate action which may or may not involve compensating the customer.
Steps Taken to Resolve Complaints
We will endeavour to resolve complaints in a timely manner and to the satisfaction of all concerned.
This means we will aim to resolve all complaints quickly while making certain they are also investigated thoroughly, to reassure customers that their complaints have been reviewed fully and the resolution is well founded.
The following standards have been agreed throughout our business and are in line with our regulatory obligations:
Where the facts are disputed by Crystal Windows & Doors Limited or an agreed resolution of the dispute is not possible, our Customer Service Manager may arrange for a mediator to investigate the complaint and seek an agreed resolution usually in the first instance using the DGCOS mediation services.
Where mediation is not considered appropriate or the mediation fails to bring the matter to a conclusion, the client or Crystal Windows & Doors Limited may request that the matter be referred to the Ombudsman. The Ombudsman is entirely independent of member companies and has full autonomy and authority to provide a dispute resolution facility. The Ombudsman is able, amongst other things, to dismiss the complaint, to reprimand the Member, dismiss or remove the Member from the approved list of DGCOS Members, award compensation or issue a specific performance award and once the complaint has been brought to a conclusion, request any outstanding monies which may be owed are settled in full within a reasonable timescale.
In relation to unresolved financial complaints, the Financial Ombudsman Service may provide
some assistance. Please refer to their website at www.financial-ombudsman.org.uk for further information.
Further information is available by contacting
In the first instance
The Double Glazing and Conservatory Quality Assurance Ombudsman Scheme
Leyland Business Park,
In the case of failure of initial complaint process or mediation
QA Ombudsman Chambers
Manchester Legal Centre
3rd Floor, 64 Bridge Street
Tel and fax: 0870 901 5581
* Note: In some businesses, the ‘Complaint Handler’ could be the proprietor, partner or one of the Directors or other persons appointed by the Member to deal with the complaint.
The Double Glazing and Conservatory Quality Assurance Ombudsman Scheme and The Ombudsman can only investigate complaints about Members and which fall under the Members’ Scope of Registration. If in doubt contact the Scheme for further advice.
This Policy Statement, along with any supporting documents, will be reviewed at least once a year and amended as required to ensure it remains up to date with any regulatory or internal business changes.
Dates Reviewed: Date Initials
September 2020 - JS