We can provide finance for people who have had difficulties obtaining credit in the past,
if we can’t approve you, we don’t think anyone can!

Customer Complaints Procedure

Refused Car Finance has set out a fair complaints procedure that is clear and easy to use for anyone wishing to make a complaint.

Upon receiving your complaint we will send an acknowledgement receipt within 3 days of receiving it and send written or electronic communication to inform you of how we plan to investigate the complaint, including a copy of this complaints procedure.

We will investigate your complaint impartially and competently.  In order to complete an investigation we may need to obtain detailed information from you or any third party. To deal with your complaint promptly and thoroughly we may need to ask for your help throughout the investigation. Throughout the course of the investigation we will keep you informed on the progress of the investigation and you may contact us at any time to enquire about the progress of the investigation.

If the complaint is not resolved within 8 weeks we will send a response, either electronically or in writing, to explain our why we have not completed the investigation, or our Final Response.

If more than 8 weeks has passed from the date of the complaint and you haven’t received a response, or you are unhappy with the final response, you can contact the Financial Ombudsman. You must refer your complaint to the Financial Ombudsman within 6 months of the date on the final response.

The Financial Ombudsman is a service that provides free and impartial advice for resolving disputes between financial services and institutions. Their contact details are:

Financial Ombudsman Service
Exchange Tower
London
E14 9SR

0800 023 4567

complaints.info@financial-ombudsman.org.uk

www.financial-ombudsman.org.uk

 

Registered with Information Commissioners Office ICO Registration Number: ZA132327

UK Car Finance Limited. Registered in England
Registered number 9397657.
Registered Office Lakeside House, 30 Northumbrian Way, Newcastle Upon Tyne, NE12 6EH

Refused Car Finance is a trading style of UK Car Finance Limited and is acting as a licensed credit broker and a lender, we are authorised and regulated by the Financial Conduct Authority, registration number 714966. All finance is subject to status and income. Applicants must be 18 or over, terms and conditions apply, guarantees and indemnities may be required.

Written quotations on request. Certain exclusions for NI residents.

Note: We cannot be held responsible for specification errors, and price errors, we use Motortrade software which is not always 100% accurate. Copyright 2017 Refused Car Finance.

Refused Car Finance can introduce you to a limited number of finance providers based on your credit rating and we may receive a commission for such introductions.

*Representative Example
Cash price – £8,500.00, Deposit – £0.00, Amount of credit – £8,500.00, Rate of interest – 16.24% per annum, Amount of interest – £6,912.00, Lender Documentation fee – £0.00, Lenders option to purchase fee – £10.00, Total charge for credit – £6922.00, First repayment – £256.70, Followed by 58 Monthly repayments of – £256.70, Final repayment – £266.70, Total amount payable – £15,412.00, Representative APR – 29.9%

*Last month, over 51% of Refused Car Finance customers that had their loan arranged were offered an APR of 29.9% or lower

In the first 3 months of this year, UK Car Finance Ltd received 2140 unique applications, of which we were able to offer 2136 applicants a line of credit, subject to the applicant being able to provide acceptable proof of affordability, being free from insolvency and or/a supporting guarantor fitting the lenders eligibility criteria, this represented 99.8% of applicants in this period.

Rated No.1 for car finance in the North East of England collated from Google Business Reviews

Refused Car Finance Reviews

4.90 Average

151 Reviews

I could not have been more happy with the service I received from Paige Walker. Not only was she extremely efficient, helpful and successful in sorting out my car finance; she was also absolutely charming, she has a very kind manner and was positive and helpful throughout the process. I really could not have hoped to have dealt with somebody as good as Paige. She is in my view a huge asset to your company, she made everything so easy and got me a great result. A very big thank you to Paige - and to your company.

refused car finance put me at ease from the very first phone call. After being turned down by numerous other companies, I didn’t have much hope but after speaking to Jacob about my credit file or lack of, he assured me it wasn’t nearly as bad as I thought it was. Got finance sorted in less than two days with literally half the interest I was quoted after being messed around for weeks by other companies. Jacob is a real asset to RCF, he kept me up to date every step of the way and was so easy to speak to! I Could not recommend RCF enough!!

The guy (dan) was amazing really helpful got everything sorted for me super fast explaining everything what a guy he really knows his stuff can’t thank you enough thanks