Rukka Kalix Jacket RUKKAKALIXJACKET

We are authorised and regulated by the Financial Conduct Authority, registration number 654936.

“We are a credit broker and not a lender. We can introduce you to a limited number of lenders and their finance products which may have different interest rates and charges. We are not an independent financial advisor. We will provide details of products available from the lenders we work with, but no advice or recommendation will be made. You must decide whether the finance product is right for you. We do not charge you a fee for our services. Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow). The lenders we work with could pay commission at different rates. However, the amount of commission we receive from a lender does not have an effect on the amount you pay to that lender under your credit agreement.” We will disclose the amount of commission we receive before you sign the agreement. 

Terms and Conditions

Complaints procedure.

We take all complaints seriously.

Our process for dealing with complaints received by us will differ depending on what the complaint is about.

1. Products regulated by the Financial Conduct Authority (FCA)
We will treat as a FCA regulated product complaint relating to credit broking or insurance product (Regulated Complaint) any oral or written or email expression of dissatisfaction, whether justified or not, from, or on behalf of, a person about the provision of, or failure to provide, a financial service, which alleges that the complainant has suffered (or may suffer) financial loss, material distress or material inconvenience. 

2. Goods and non-financial services
All other complaints regarding goods or non-financial services supplied by us will be treated as a general complaint.

Process for all complaints
Many concerns can be dealt with straight away but sometimes it is necessary for us to look into the matters you have raised in more detail. Please address all complaints to our Managing Director in the first instance to our business address by post, or via the general enquiry form online.

The responsible department manager or director will contact you to attempt to resolve the concern.

If the concern has not been resolved within 14 days it will be automatically escalated back to the Managing Director. When a concern is believed to have been resolved by the responsible manager or director, they will submit the concern for closure via the Managing Director.

You may raise or discuss your concern with our Manging Director at any stage.

Process for general complaints
After the process above, if we are unable to resolve your complaint to your satisfaction, then we will provide details of certified Alternative Dispute Resolution providers that you may contact.

Process for Regulated Complaints
In addition to the process above, our management team will also review all regulated Complaints and we have a slightly more formal process as follows:

• Promptly following receipt of your complaint

Any regulated Complaint that has not been resolved straight away will be recorded by our management team and we will send you a letter to acknowledge your concerns.

If we believe that another firm or company is responsible for the matters to which your complaint relates and is therefore best placed to resolve it, we may forward your complaint to them to investigate. If we do so, we will write to you to let you know and will give you the name of the firm or company to which we are forwarding your complaint.

• Within eight weeks from receipt

Unless covered by the second paragraph below, we will aim to have completed our investigation and provide you with our final response in relation to your complaint within eight weeks of receipt of your complaint. If we cannot provide you with our response within eight weeks, we will write to you explaining why this is the case and indicate when a response will be sent to you. You will also be advised of your right to take the matter to the Financial Ombudsman Service should you be dissatisfied with the outcome of our investigation and our final response.