Complaints Procedure

CUSTOMER INFORMATION ABOUT OUR COMPLAINTS PROCEDURE

We always want to provide the best possible service for our customers but recognise that sometimes you might be disappointed with our service. If you are dissatisfied by the service we have provided to you, you can make a complaint to us. By making a complaint, you’re giving us the opportunity to investigate and improve our services for everybody.

To make a complaint, please contact us using the information provided in this procedure. We will then review your complaint and provide you with our response. If you are not satisfied with the response we have provided, you can escalate the complaint to the Financial Ombudsman Service for their decision.


HOW TO MAKE A COMPLAINT

If you wish to make a complaint about our service, you can do so by emailing: FSComplaints@mtr.co.uk


INFORMATION TO PROVIDE WHEN MAKING A COMPLAINT

We aim to resolve your complaint as quickly as possible. To help us do this, please provide the following when making your complaint:

WHAT HAPPENS AFTER MAKING A COMPLAINT?

Shortly after receiving your complaint we will send you an acknowledgement, letting you know that we’ve received the complaint and that we’re looking into it. We’ll also let you know when you should receive our response, which we will always aim to provide within 8-weeks from the day you made your complaint. We will then keep you updated on the progress of your complaint up to the time when you receive our response.


OUR RESPONSE

Before we will respond to your complaint, our complaint handler will investigate the circumstances surrounding your complaint and which led to it being made. They will look at why you’ve made your complaint and investigate what might have gone wrong. Then, within 8 weeks from the date of your complaint, our complaint handler will send you either:

  1. A final response addressing the complaint and outlining your right to appeal with the Financial Ombudsman Service if you are dissatisfied with the resolution of your complaint; or
  2. A written response which explains why we are still not in a position to make our final response, giving reasons for the further delay, indicating when we expect to be able to provide our final response and informing you that you can now refer your complaint to the Financial Ombudsman Service if you are dissatisfied with the delay.

THE FINANCIAL OMBUDSMAN SERVICE

If you are not satisfied with our resolution of your complaint and you have allowed us the 8-week timeframe to respond to your complaint, you can escalate your complaint to the Financial Ombudsman Service at:

By post: Claims Management Ombudsman, Exchange Tower, London, E14 9SR

By telephone: 0800 023 4567

Via their website: https://cmc.financial-ombudsman.org.uk/

If you wish to raise your complaint to the Ombudsman, you must do this within six months from the date of our final response unless we have expressly said otherwise within our final response.
You can find more information on the services provided by the Financial Ombudsman Service by visiting their website (link above).



DISCLAIMERS AND DISCLOSURES

Missing payments can have serious consequences for you. Your credit rating may be affected which will make it more difficult or more expensive for you to obtain credit in the future.

4Gadgets is a trading style of MTR Group Limited, a company registered in England and Wales with its registered office at Technology House, Magnesium Way, Hapton, Burnley, BB12 7BF. Our company registration number is: 07839241, VAT number: GB 123 8610 32. MTR Group Limited is authorised and regulated by the Financial Conduct Authority (‘FCA’) for regulated consumer credit activities. Our FCA firm reference number is: 938654. You can check this on the Financial Services Register at https://register.fca.org.uk. We are a credit broker and not a lender. MTR Group Limited solely makes introductions for credit products provided exclusively by Klarna Bank AB (publ).
Klarna Bank AB (publ) is authorised and regulated by the Swedish Financial Supervisory Authority. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.
^ Finance is only available to permanent UK residents aged 18+, subject to status, terms and conditions apply. Klarna Bank AB (publ) registered office: Sveavägen 46, 111 34 Stockholm, Sweden. Corporation ID number: 556737-0431. If you make your payments by the due date each month, the monthly payment should allow you to pay off the purchase within 24 months with no extra cost (0% APR).
New application with Klarna, including credit assessment, contract, terms and pricing apply. See Klarna Credit Agreement for terms and conditions.

Your Application was Declined

We regret to inform you that your application cannot be approved at this time.

As part of this application, we obtained information from the following Credit Reference Agencies:

Experian Ltd

Phone: 0800 013 8888

Website: www.experian.co.uk

Trans Union Ltd

Phone: 0330 024 7574

Website: www.transunion.co.uk

For more information, you can contact us at klarna.co.uk/customer-service

 

Back to Completech