CreditDigital Complaints Policy

At CreditDigital, we pride ourselves on being able to deliver the best possible service and support to our partners and customers. We take complaints very seriously and will do everything in our power to resolve all complaints fairly, quickly and efficiently.

Complaints procedure

Any complaint verbal or written will be referred to our complaints manager at the earliest opportunity or to a member of the senior management if the complaints manager is unavailable. We will also:

  • Acknowledge the complaint in writing promptly
  • Give details in our acknowledgement letter of the Financial Ombudsman Service
  • Make contact to seek clarification on any points where necessary
  • Fully investigate the complaint
  • Keep you informed of our progress
  • Discuss with you our findings and proposed response
  • You will receive contact from us advising on progress if we cannot respond immediately. We will let you have our final response as soon as possible and not later than eight weeks.


    The complaints manager will establish the nature and scope of your complaint giving due regard to:

  • Deal with complaints promptly and fairly
  • Give complainants clear replies and, where appropriate, fair redress
  • Eligible Complainants

    It is CreditDigital’s policy to treat all complainants the same, however, eligible complainants are legally defined and have additional rights in law that we must acknowledge and adhere to.

    The Financial Conduct Authority complaints rules apply to complaints:

  • Made by, or on behalf of an eligible complainant;
  • Relating to regulated activity;
  • Involving an allegation that the complainant has suffered, or may suffer, financial loss, material distress or material inconvenience;
  • Final response

    This will set out clearly the CreditDigital’s decision and the reasons for it. If any compensation is offered a clear method of calculation will be shown.
    We must include details of the Financial Ombudsman Service in the final response if dealing with an eligible complainant and a regulated activity, we will:

  • Explain that the complainant must refer the matter to the ombudsman within six months of the date of this letter or the right to use this service is lost
  • Indicate whether or not we consent to waive the relevant time limits.
  • Complaints Settled within 3 business days

    Complaints that can be settled to your satisfaction within 3 business days can be recorded and communicated differently.

    Where we consider a complaint to be resolved to your satisfaction under this section, we will promptly send you a ‘Summary Resolution Communication’, being a written communication from us which:
    (1) refers to the fact that you have made a complaint and informs you that we now consider the complaint to have been resolved to your satisfaction;
    (2) We will tell you that if you subsequently decide that you are dissatisfied with the resolution of the complaint you may be able to refer the complaint back to us for further consideration or alternatively refer the complaint to the Financial Ombudsman Service;
    (3) Indicates whether or not the we consent to waive the relevant time limits, (where we have discretion in such matters)
    (4) Provide the website address of the Financial Ombudsman Service; and
    (5) Refer to the availability of further information on the website of the Financial Ombudsman Service.

    In addition to sending you a Summary Resolution Communication, we may also use other methods to communicate the information where:
    (1) We consider that doing so may better meet your needs; or
    (2) We have already been using another method to communicate about the complaint.

    Closing a complaint

    We will consider a complaint closed when we have made our final response to you. This does not prevent you from exercising any rights you may have to refer the matter to the Financial Ombudsman Service.

    Financial Ombudsman Service

    We will co-operate fully with the Ombudsman in resolving any complaints made against us and agree to be bound by any awards made by the Ombudsman. The firm undertakes to pay promptly any fees levied by the Ombudsman.

    The Financial Ombudsman Service, Exchange Tower, London E14 9SR
    Tel: 0800 023 4567 (free for most people ringing from a fixed line) or 0300 123 9123 (cheaper for those calling using a mobile) or 020 7964 0500 (if calling from abroad)

    CreditDigital is a trading name of MTL Financial Ltd. MTL Financial Ltd is authorised and regulated by the Financial Conduct Authority. We are a credit broker not a lender and offer credit facilities from a panel of lenders.

    © 2019 CreditDigital