Sandicliffe Complaints Policy

At Sandicliffe Ltd, we are committed to providing exceptional service. If you are unhappy with any aspect of our service, we want to hear about it so we can put things right and learn for the future.

This policy outlines how we handle complaints about the sale of goods and services (General Complaints) and complaints related to finance, insurance, or other regulated activities (Regulated Complaints).


1. How to Make a Complaint

1. The Local Team

In the first instance, please speak to the Departmental Manager at the Sandicliffe site where the issue occurred. Our goal is to resolve your concern on the spot where possible.

2. Formal Written Complaint

If the issue cannot be resolved locally, or if you prefer to make a formal complaint, please put the details in writing to our Loyalty Team.

Contact Method

Details

Email

customerfeedback@sandicliffe.co.uk

Post

The Loyalty Team, Sandicliffe Ltd, 155-185 Derby Road, Loughborough, LE11 5HN

  • Please include: Your name, address, phone number, vehicle registration, the Sandicliffe branch, and a clear description of your complaint.


2. Our Commitment and Timeframes

We are governed by the Financial Conduct Authority (FCA) and follow their Dispute Resolution: Complaints (DISP) rules to ensure all complaints are handled fairly, promptly, and transparently, in line with the FCA Consumer Duty.

A. General Complaints (Sales, Servicing, Repairs)

Action

Timeframe

Acknowledgement

We aim to formally acknowledge receipt of your complaint within 48 hours.

Final Response

We will aim to investigate and provide a full written response within 14 days.

If you are not satisfied with the final response, you may refer your complaint to our Alternative Dispute Resolution (ADR) provider, The Motor Ombudsman.

B. Regulated Complaints (Finance and Insurance)

Complaints concerning the arrangement of credit (finance) or insurance products fall under strict FCA regulation.

Action

Timeframe

Acknowledgement

We will send a written acknowledgment of your complaint within 5 working days.

Summary Resolution (DISP 1.5.2)

If we can resolve your complaint by the close of the third business day following receipt, we will send you a Summary Resolution Communication (SRC) detailing the resolution and your right to refer to the FOS.

Final Response

We will aim to send a final, written response within 8 weeks from the date we received your complaint.


3. What Our Final Response Will Include

Whether your complaint is resolved quickly or requires a full investigation, our communication will be clear, fair, and not misleading.

  1. Outcome: A definitive statement of whether your complaint is Upheld, Partially Upheld, or Not Upheld, along with the reasons for this decision.

  2. Redress: If your complaint is upheld, we will detail the nature and quantum of the redress being offered, and the steps required to accept it.

  3. FOS Rights (If Applicable): If you are dissatisfied with our final response, or if 8 weeks have passed and you have not received a final response, you have the right to refer your complaint to the Financial Ombudsman Service (FOS).

If We Cannot Resolve the Complaint Within 8 Weeks

If, exceptionally, we are unable to provide a final response within 8 weeks, we will write to you:

  • Explaining the reasons for the delay.

  • Informing you of the date by which we expect to issue a final response.

  • Advising you of your immediate right to refer the complaint to the FOS.


4. Addressing Vulnerability and Third-Party Complaints

A. Vulnerability

In line with the FCA Consumer Duty, we are committed to handling complaints fairly for all customers. If you have circumstances that make it difficult for you to communicate or understand our process (e.g., vulnerability due to health, age, or life events), please inform us immediately so we can adjust our process and provide appropriate support and assistance.

B. Third-Party Complaints

If your complaint is submitted by a third party (such as a Claims Management Company), we require a formal, current Letter of Authority (LOA) confirming their instruction to act on your behalf before we can engage with them. We will adhere to specific DISP rules regarding third-party complaints, always ensuring the best interests of the consumer are met.


5. Learning from Complaints (Root Cause Analysis)

We view complaints as a valuable opportunity to improve our business. All complaints are recorded, logged, and subject to Root Cause Analysis (RCA).

The results of our RCA are used by Sandicliffe Ltd to:

  • Identify and correct systemic issues.

  • Improve our products, processes, and training.

  • Drive continuous operational improvement across Sandicliffe Ltd, demonstrating our commitment to providing good outcomes for all customers under the Consumer Duty.


6. External Resolution (ADR and FOS)

If you remain dissatisfied after receiving our final response, or if the time limits have passed, you may be able to refer your complaint to an external body.

General Complaints (Non-Regulated)

The Motor Ombudsman (TMO)

Regulated Complaints (Finance and Insurance)

Financial Ombudsman Service (FOS)

If your complaint relates to Discretionary Commission Arrangements (DCA), you can find further information here:

Discretionary Commission Complaints