The Financial Conduct Authority (FCA) is the independent regulator of financial services. The FCA require us to provide you with a document called an 'Initial Disclosure Document'. This document provides information about us, the products we offer, the services we will provide, what we charge for our services, who regulates us and what to do if you have a complaint.
Jigsaw Finance Ltd t/a Jigsaw Finance and Car Finance First, is authorised and regulated by the Financial Conduct Authority, all calls are recorded for training and security purposes.is authorised and regulated by the Financial Conduct Authority FRN 679612. You can check this on the FCA's website www.FCA.gov.uk/register or by contacting the FCA on 0300 500 8082.
Jigsaw Finance Limited is fully committed to treating customers fairly and delivering good outcomes for all customers as a natural result of our commitment to the core values that underpin our culture.
We are dedicated to acting in our customer's best interests, providing fair and transparent services, car finance options that meet your individual circumstances and providing continued and ongoing support.
If you have any questions, or concerns, or require further information, please do not hesitate to contact us.
We offer a non-advised service, meaning we cannot give you advice or a recommendation on products. But in assessing your application we will ask you for information to enable us to identify your needs and present a selection of products relevant to your requirements. You will then need to make your own choice about how to proceed. You will receive the pre-contract credit information which will detail the Terms & Conditions of the product you have chosen and advise you about any other fees and interest relating to the product. Please note that all our telephone calls are recorded for training and monitoring purposes.
Jigsaw Finance Limited is a credit broker and not a lender. We offer a limited number of finance products from a selected panel of lenders. These products can be viewed in more detail by accessing the following link on our website www.jigsawfinance.com/finance-products-explained, alternatively you can request a copy to be sent by email or post. We would advise you to view these to ensure you are satisfied that the product you have chosen meets your requirements.
We do not charge a fee for the introduction to the finance provider.
We will receive a commission payment from the lender/finance provider if you decide to enter into an agreement with them. The commission payment received is for the introduction and work in facilitating and arranging the finance for you and is a one-off payment from the lender to Jigsaw. The calculation of this commission is based either on a fixed fee or a percentage of the amount you borrow, this is determined and may vary by the commercial agreement Jigsaw has with the lender. We may work with just one lender or a limited selection of lenders when arranging finance. As a Credit Broker, we may also have other commercial arrangements with a lender which do not influence the terms of your finance agreement. We may share some of this commission with the motor retailer.
The amount of commission will be made available to you before signing your finance documents.
All the lenders that we work with pay commissions at different rates, however, the commission received does not affect the amount you will pay under your finance agreement. Our aim is to secure finance for you at the lowest interest rate available from our panel of lenders. Finance may be available from other providers outside of our panel, and you should consider your options before entering into an agreement, we are not able to provide impartial recommendation.
We aim to support and tailor our service appropriately to those customers who may be particularly vulnerable due to their current circumstances or recent life events.
If you have a disability, physical or mental health condition, feel vulnerable due to a change in personal circumstances, or just need extra support please let us know and we will do our best to help you.
You should make sure you have sufficient time and support to assess the information given to you and ensure the funding option offered is suitable for you and meets your requirements.
If you are unsure, please don’t hesitate to ask us for further explanations, help and support.
It is important that you only enter into an agreement if you can comfortably afford the repayments.
You should assess the monthly payments you are required to make throughout the term of the agreement and ensure you can meet these and other current obligations without suffering undue hardship.
If you are aware of any changes in your life or your household circumstances, that may affect your ability to maintain your loan repayments, please make us aware.
Your credit rating could be adversely affected if you do not make payments when due which could make it harder or more expensive for you to access finance facilities in the future.
The first step is for us to understand your complaint; you can contact us by:
We will promptly acknowledge your complaint in writing, investigate your complaint and endeavour to send you a final response within 8 weeks of receipt of the complaint. If we are unable to provide you with a final response within this time, we will send you an update. If you are not happy with our response, and you are an eligible complainant, you can escalate your complaint to the Financial Ombudsman, you must do so within six months of the date of the final response letter. You can contact them:
Alternatively, you may also contact the BVRLA Conciliation Service as an approved Alternative Dispute Resolution service. Details can be found at www.bvrla.co.uk or by contacting complaint@bvrla.co.uk
For further information on how to make a complaint or our complaints handling process, you can visit www.jigsawfinance.com/complaints.
If you need to contact us our trading address is: Jigsaw Finance, Genesis Centre, Innovation Way, Stoke- on-Trent, Staffordshire, ST6 4BF.
Last updated: 16th December 2024.