Treating Customers Fairly
CHN has adhered to the Treating Customers Fairly (TCF) initiative in which the Financial Conduct Authority (FCA) has outlined six core consumer outcomes that it wishes to see. These are:
- Consumers can be confident that they are dealing with firms where the fair treatment of customers is central to the corporate culture.
- Products and services marketed and sold in the retail market are designed to meet the needs of identified consumer groups and are targeted accordingly.
- Consumers are provided with clear information and kept appropriately informed before, during and after the point of sale.
- Where consumers receive advice, the advice is suitable and takes account of their circumstances.
- Consumers are provided with products that perform as firms have led them to expect, and the associated service is of an acceptable standard and as they have been led to expect.
- Consumers do not face unreasonable post-sale barriers imposed by firms to change product, switch provider, submit a claim or make a complaint.
If things go wrong:
If you have any reason to complain about any aspect of our service then you can expect that your complaint will be dealt with professionally, impartially and in accordance with the rules laid down by the FCA.
- We are insured as required by the rules laid down by the FCA.
- We will provide details of our complaints policies and procedures on request
- We actively seek comments and observations about the way we deal with our customers and would encourage you to Contact Us if you have any comments on our services.
Latest News & Insights
Market Commentary
“The Chancellor must use the upcoming Budget to tackle rising prices head on”The latest inflation figures from the Office for National Statistics (ONS) show that the UK Consumer Prices Index (CPI) rose by 3.8% in the 12 months to September, a lower figure than a Reuters poll of economists had expected (4%) and unchanged from August and July. Prices are still rising compared with a year ago, […]
Market Commentary
“We will continue to prioritise economic and fiscal stability”Latest data from the Office for National Statistics (ONS) indicates that the economy experienced a slight expansion of 0.1% in August. In the three months to August, GDP increased by 0.3% – this is a slight improvement on the three months to July, which saw expansion of 0.2%. The services sector was the main driver […]
Market Commentary
“A relatively lower mortgage rate environment and steady wage growth have helped support buyer confidence”The latest data from Halifax shows that house prices decreased by 0.3% month-on-month in September, following an increase of 0.2% in August. Meanwhile, the annual growth rate eased from 2.0% to 1.3%, the slowest rate since April 2024. The average property is currently priced at £298,184. Regionally, Northern Ireland continues to see the fastest rate […]