Treating Customers Fairly

Our commitment is to deliver outstanding customer service while upholding the principle of treating you fairly. We maintain high standards in customer service and advice, recognizing your freedom to choose your service provider. Treating Customers Fairly (TCF) is a fundamental principle mandated by the Financial Conduct Authority (FCA) to guarantee fair treatment for customers. At LINGsCARS.com, we align with the FCA's six guiding principles, ensuring fair treatment in our interactions with customers, service levels, and the equity of our products, services, and procedures. The six principles are:

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

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

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

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

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

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

FCA 12th Principle

The Financial Conduct Authority have introduced a 12th principle. LINGsCARS.com adheres to the FCA's additional principle.

The three key rules are:

1. Avoid causing foreseeable harm.

2. Enable and support retail customers to pursue their financial objectives.

3. Act in good faith.

Products and Services

1. Ensuring that products or services meet customer requirements.

Price and Value

1. Ensuring fair value and quality.

Consumer Understanding

1. Ensuring customers are informed and make decisions based on understanding.

Customer support

1. Adequate support: Customers receive sufficient support at all stages.

2. Effective complaint handling: Complaint processes are sufficient.

Ways we meet these requirements in our day to day running of LINGsCARS:

1. Understanding Client Needs: We aim to understand our clients' needs.

2. Clear Marketing: Products are marketed clearly, without misleading information.

3. Risk Communication: Clients are informed about the risks associated with our services.

4. Clarity and Transparency: Our services are delivered with clarity and transparency.

5. Appropriate Advice: Advice considers individual needs and circumstances.

6. Privacy Protection: Client privacy is a priority, and data protection rules are strictly followed.

7. Complaint Resolution: Complaints are taken seriously, addressed promptly, and improvements are made as needed.