A clear road ahead
Your complaint, without the runaround.
Technology helps with the paperwork. People check the details. You stay informed and decide whether to accept any offer.
Check & estimate
Start with your agreement details and get an illustrative compensation range. Free, with no obligation.
Upload your paperwork
Claude helps read your agreement and spot potential commission issues. A caseworker checks the findings.
We make your complaint
With your authority, we prepare letters to your lender and the garage. A person approves every outgoing letter.
Track every turn
Follow your claim in your portal. If needed, we help refer an unresolved complaint to CIFO.
Our island. Our complaint route.
Jersey is different.
Your complaint should be, too.
The UK FCA motor finance redress scheme does not cover Jersey. There is no equivalent statutory scheme here.
Complain to the lender or dealer first. If you're unhappy with the final response, or haven't received one within 3 months, you can refer the complaint to the Channel Islands Financial Ombudsman (CIFO).
Read CIFO's guidance- Free & independent
- CIFO decides what is fair and reasonable, with awards up to £150,000.
- Events since 1 January 2010
- Generally within 6 years of the act, or 2 years of when you became (or should have become) aware.
- Don't leave a final response unanswered
- Refer within 6 months if the provider told you about CIFO and that limit. CIFO can waive limits in exceptional cases.
You can do this yourself. For free.
You can complain directly to your lender and CIFO at no cost. The Jersey Consumer Council offers free template letters. We exist to do the legwork: organise the paperwork, prepare your complaint and help keep track of deadlines. Using us is entirely your choice.