Terms & Conditions
Homeland Comforts CIC is a registered with the Financial Conduct Authority (FCA): Firm registration number 780422. All activities comply with the relevant parts of the FCAs Handbook relating to the trading activities of Homeland Comforts CIC.
Homeland Comforts CIC is registered at Companies House UK company number 10736949
Correspondence with customers
Homeland Comforts CIC will include their legal name (as it appears in the Financial Services Register) in all advertising and all correspondence with customers, not merely their trading names.
Advertising and financial promotions
Homeland Comforts CIC make clear in their advertising that they are brokers and not lenders; the advertising be clear Homeland Comforts CIC are not a lender and dose not advertise as such.
All contracts that are distance contracts have the 14-day right of cancellation and right to a refund required by the Distance Marketing Directive. Homeland Comfort CIC customers can find out more from the FCA Handbook.
Treating customers fairly
All our activities must pay regard to the interests of our customers and treat them fairly. All customer communications will be clear, fair and not misleading. Firms must ensure that their charging policy is clear and accessible. Homeland Comforts CIC will adhere to the principles as contained in the FCAs guidance.
Payment authorisation and consent
All brokers are prohibited from taking a fee from a customer’s bank account without express authorisation from the customer. Homeland Comforts CIC will not charge our customers a broker’s fee for any service.
Sharing of personal information
Homeland Comforts CIC: are prohibited from unfairly passing customers’ data – including payment details – to third parties, without consent or for a purpose other than that which consent was given. This is also likely to breach the Data Protection Act and as such Homeland Comforts CIC will not engage in this activity.
Advertising and marketing
All Homeland Comforts CIC financial promotions (including websites) will be clear, fair and not misleading. Firms must not mislead as to their identity or status.
Transparency of status
Homeland Comforts CIC will make clear in all financial promotions and other documents intended for customers their status, including the extent of their powers, the nature of the service they provide and any links to lenders.
Transparency of fees and commissions
Fee-charging credit brokers must disclose any fee payable at an early stage and have it agreed in writing before a credit agreement is entered into. The disclosure must include how and when the fee is payable and whether a refund may be available. Firms must also disclose their fee (if any) to the lender to enable the lender to calculate the correct APR. Homeland Comforts CIC will not charge a fee to any of its customers.
Homeland Comforts CIC respond promptly to any request for a refund, and if a refund is required, pay it promptly. Section 155 of the Consumer Credit Act entitles the customer to a refund (less £5) of any brokerage fee if a credit agreement is not entered into within six months of an introduction to a source of credit. Find out more in consumer protection act.
All credit brokers are banned from charging fees to customers, and from requesting customers’ payment details for that purpose unless they comply with FCA requirements:
- Homeland Comforts CIC will ensure customers are given clear information about who they are dealing with, no fee will be payable – known as the ‘information notice’
- Homeland Comforts CIC also need to obtain confirmation from customers that they are aware of the information notice and its contents – known as the ‘customer confirmation’. Customers can find out more from the FCA Handbook.