Initial Disclosure document

What is an Initial Disclosure document

The Financial Conduct Authority (FCA) is the independent regulator of financial services. The FCA require us to provide you with a document called an 'Initial Disclosure Document'. This document provides information about us, the products we offer, the services we will provide, what we charge for our services, who regulates us, what to do if you have a complaint.

Who regulates us?

Jigsaw Finance Ltd is authorised and regulated by the Financial Conduct Authority FRN 679612. You can check this on the FCA's website www.FCA.gov.uk/register or by contacting the FCA on 0300 500 8082.

Which service will we provide you with?

We offer a non-advised service, meaning we cannot give you advice or a recommendation on products. But in assessing your application we will ask you for information to enable us to identify your needs and present a selection of products relevant to your requirements.
You will then need to make your own choice about how to proceed.
You will receive a pre-contract agreement known as the Standard European Consumer Credit Information (SECCI) which will detail the Terms & Conditions of the product you have chosen and advise you about any other fees and interest relating to the product.

What products do we offer?

We offer a limited number of finance products from a selected panel of lenders. These products can be viewed in more detail by accessing the following link on our website www.jigsawfinance.com/products, alternatively you can request a copy to be sent by email or post. We would advise you to view these to ensure you are satisfied that the product you have chosen meets your requirements.
Jigsaw Finance Limited is a credit broker not a lender.

What will you have to pay us for our services?

We do not charge a fee for the introduction to the finance provider; however, we may receive a commission or fee payment from the finance provider if you decide to enter into an agreement with them. The amount of commission will be made available to you on written request to either Jigsaw Finance Ltd or the Supplying Dealer by return.

What to do if you have a complaint

How to make a complaint:
The first step is for us to understand your complaint; you can contact us by:

We will acknowledge your complaint in writing within 5 working days, investigate your complaint and endeavour to send you a final response within 8 weeks of receipt of the complaint. If we are unable to provide you with a final response within this time we will send you an update. If you are not happy with our final response you can at escalate your complaint to the Financial Ombudsman, you will receive a leaflet detailing this with your final response letter. Alternatively, you may also contact the BVRLA Conciliation Service as an approved Alternative Dispute Resolution service. Details can be found at www.bvrla.co.uk or by contacting complaint@bvrla.co.uk

Address

If you need to contact us our trading address is: Jigsaw Finance, Genesis Centre, Innovation Way, Stoke- on-Trent, Staffordshire, ST6 4BF.