How to make a complaint
Swift Credit Services Ltd ("Swift") take all complaints seriously, and investigates them in a fair and consistent manner. As our services affect the public at large, we view individuals we deal with in the process of debt collection and enforcement as our customers. This means that we have customer service obligations, which we strive to uphold.
Should we ever fail to meet your expectations, or should you feel dissatisfied with our conduct in any way, we would welcome your feedback. Our telephone agents are happy to help if you wish to talk through any concerns. They are empowered to deal with concerns, and to find resolutions for you.
If for any reason we cannot resolve the matter over the phone, then the case will be passed to our Complaints team to handle.
This process does not apply to the collection of debts formed under the Consumer Credit Act 1974 (amended 2006). The collection of such debts is subject to different regulations, including Financial Conduct Authority protections, and the right of customers to report complaints to the Financial Ombudsman Service.
What to expect when you complain to us
Stage 1 - Complaints resolution
Please provide details of your concerns in writing, including:
- your name, address, contact telephone number and account reference number;
- full details of your concern or complaint; and
- copies of any documentation that you feel might be relevant.
Complaints can be made in writing by email to email@example.com or to:
Swift Credit Services Ltd
PO Box 12019
We will write to you within three working days to acknowledge receipt of the complaint.
We aim to respond within ten working days of receipt with a full response. If there is any reason why we are not in a position to do this, we will contact you to advise when you will receive a response.
We try to resolve complaints in full at this initial stage.
The best people to sort out problems are often those who provide the service, so one of our experienced and competent complaints handlers will thoroughly investigate the issues you have raised. They will, if necessary, speak with you first, and then gather views from other people connected with the matter, to make sure we fully understand the situation.
There may be a number of exchanges of correspondence at Stage 1, while we're gathering information. Once we come to a conclusion, we will fully explain our investigations, findings and decision to you.
Stage 2 - Independent review of complaint
If you are not happy with the outcome of Stage 1, you can ask us to review the matter again.
In this case, you should clearly set out the reasons why you do not agree with the Stage 1 decision, and provide any additional evidence to support your position.
At Stage 2, one of our Complaints and Welfare Managers will investigate both the complaint itself, and how we have dealt with it. Our Complaints and Welfare Managers are independent of the factual matters that are the subject of the complaint, ensuring that their assessment is objective.
The Complaints and Welfare Manager will aim to respond to you within ten working days with a final response. If they cannot provide a final response within ten working days, they will contact you to let you know when to expect their final response. This final response will highlight the remaining options available to you, as described below.
Stage 3 - Final stage appeal process
You have two options if you are not happy with the outcome of Stage 2:
1. Review by independent panel
Marston Holdings' activity is reviewed by an independent Advisory Group. The Advisory Group reviews how we do business, and can recommend changes. Members of the Advisory Group are not employed by Marston Holdings or any of its Group companies.
You can refer final responses to complaints to the Advisory Group for their review.
In the case of an appeal in person, a written decision will be produced within ten working days of the appeal taking place.
In the case of an appeal completed on a written basis only, a written decision will be produced within 20 working days of the complaint being referred.
If you are not satisfied with the outcome of the review by the Advisory Group, you still have the right to report the matter to the Civil Enforcement Association for their consideration.
2. Review by relevant trade association
If you are not satisfied with our response to a complaint that has been through Stages 1 and 2 of the complaints process set out above, you have the right to escalate this complaint to the relevant enforcement trade association listed below. A trade association is an organisation made up of members of a particular trade or industry, and we are members of the following:
Civil Enforcement Association ("CIVEA")
The types of complaint which will be considered are in respect to debt enforcement activities carried out by a certificated enforcement agent acting for a member of CIVEA
PO Box 745
Tel: 0844 893 3922
Support available to our customers
It is essential that you get support and assistance if you need it. For a list of relevant organisations who may be able to provide this, please click here.