Treating Customers Fairly

Complying with the FCA's Treating Customers Fairly initiative.


This policy deals with Automotive Online Ltd T/A Quick Car Finance (AOL/QCF) responsibilities to comply with the FCA's Treating Customers Fairly ("TCF") initiative. It applies to all members of our team, and they are expected to abide by the processes set out within this document.


The aim of FCA’s Treating Customers Fairly (TCF) initiative is to ensure that firms meet the requirements of Principle 6 to “pay due regard to the interests of its customers and treat them fairly”. What constitutes fairness is evidenced differently for each firm, depending on their type of business, product and service range, target customers and the channels used to sell and support their products and services

The TCF initiative focuses on six customer outcomes:

  1. Consumers can be confident that they are dealing with firms where the fair treatment of customers is central to the corporate culture.
  2. Products and services marketed and sold in the retail market are designed to meet the needs of identified consumer groups and are targeted accordingly.
  3. Consumers are provided with clear information and are kept appropriately informed before, during, and after the point of sale.
  4. Where consumers receive advice, the advice is suitable and takes account of their circumstances.
  5. Consumers are provided with products that perform as firms have led them to expect, and the associated service is both of an acceptable standard and also as they have been led to expect.
  6. Consumers do not face unreasonable post-sale barriers imposed by firms to change product, switch provider, submit a claim or make a complaint.


Income and Expenditure evaluation








Monitoring and Compliance

All staff are expected to comply with our policy, and any member found not to may be subject to disciplinary action. Staff will be monitored and audits carried out to ensure that this policy is being complied with.


This policy will be reviewed on at least an annual basis. Any updates will be reissued to our team, along with any training to ensure they fully understand the changes that have been made.