Treating Customers Fairly

At Kardi Leasing we are dedicated to treating customers fairly and putting our customers at the heart of everything we do. We are committed to ensuring that the FCA principle of Treating Customers Fairly (TCF) is applied to all areas of our day to day activities. As a result TCF an integral part of our culture and is embedded in all aspects of business and values. 

What does Treating Customer Fairly (TCF) Mean?

The TCF initiate aims to deliver six outcomes.

Outcome One

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

Outcome Two

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

Outcome Three

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

Outcome Four

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

Outcome Five

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

Outcome Six

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

TCF is not just about offering the same rates, products and services to all customers or treating every customer the same. It is about you as an individual having choice. You should be offered clear and transparent information, have confidence in the providers you are buying from and be offered suitable products that are appropriate for your needs, based on your individual circumstances. You should have no barriers and know the products and services will work exactly how you were lead to believe.

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.

Our aim is to provide world class service levels and it is important to us that all complaints are resolved as quickly as possible to the complete satisfaction of our customers.

To register a complaint please contact us by:

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service or the BVRLA.