Terms and Conditions

This website and associated pages is the property and it is operated by Express Finance Loans Ltd. When the term “You” is used it refers to the customer using this website and the terms “we”, “us”, “our” or “Company” refer to Express Finance Loans Ltd. When you use this website you confirm that you agree to our terms and conditions.

I/we agree that You and any lender resulting from this application (the "Lender") shall be entitled to use and process, by any medium, the information given by me/us in this application form and any other information about me/us which may be acquired during the lifetime of any loan ("the Data") for the following purposes:-

Who are Express Finance Loans Ltd

Express Finance Loans Ltd is a loan broker trading under the trading style Express Finance. It is registered in England and Wales under the company number 4464710 and our registered address is 3 Mallett Close, Hedge End, Southampton, SO30 2NH. Express Finance Loans Ltd is authorised and regulated by the Financial Conduct Authority with Interim Permission Reference Number 523697. We are also registered with the Information Comissioner’s Office under the Data Protection Registration Number Z7168882. Our trading premises is at the following address: 3 Mallett Close, Hedge End, Southampton SO30 2NH

How we use your Information

By using this website you agree to our Privacy Policy that can be found at https://www.expressfinanceloans.co.uk/data_protection.php. Any information you provide is kept securely by Express Finance Loans Ltd and it is used to assess your application. The information may be passed to suitable lenders, credit reference agencies, the regulators or any other associates with the view to providing you with the best possible service and the loan product you are looking for. By completing the application form you agree to the above. You also authorise our lenders or associates to contact any Credit Reference Agencies as well as the Electoral Register and other verification services in order to verify the information you have provided.

We take your privacy very seriously and we do everything under our power to keep your details confidential. Your information will be stored on secure servers that can only be accessed by authorised personnel under secure password.

If you want your details suppressed from any further contact you need to contact Express Finance Loans Ltd, either by telephone on 08455 190969, by email on info@expressfinanceloans.co.uk or by using our contact page at https://www.expressfinanceloans.co.uk/contact_us.php

You have the right of access to any information that we hold under your name. To receive a copy of the record all you need to do is write to Express Finance Loans Ltd at 3 Mallett Close, Hedge End, Southampton SO30 2NH.

Links to other websites

In our website you may find links to other websites who are operated by lenders or other associates. When your applications is accepted you may be transferred to a lenders web page in order to finalise your loan. Our terms and conditions do not apply to those websites and we are not responsible for the content or the procedures implemented by those websites. It is advisable that you review the terms and conditions of those websites.

Fees and commission

We will never charge you any advance fees. You should not pay fees in advance either to Express Finance Loans Ltd or any of our lenders. Our income comes from commission that is paid by the lenders directly to us. The lenders will charge you interest on any loan taken and all the costs to you are reflected in the APR figure which will be given to you before you take up the offer of a loan.

Our Disclaimer

Loans are only available to UK residents over 18 years of age and are subject to proof of affordability. Our lenders always carry out appropriate verification checks and may refuse to provide a loan if they think it is appropriate. Nothing in this website can be taken as an offer of a loan. Although we make every effort to provide the correct information we cannot accept liability for any loss resulting from unduly reliance on any of the information. Any errors or omissions brought to our attention are corrected immediately.

Copyright and Security

The website belongs to Express Finance Loans Ltd and it is protected by the copyright laws. Nothing can be copied, reproduced or modified without the prior authority from Express Finance Loans Ltd. By using this website you agree to use it responsibly, to avoid any actions that would result in the encouragement of or a criminal offence being committed or the spread of viruses or malicious internet programs or actions.

Our Complaints Procedure

We do everything possible to ensure all our customers receive a professional service. However, there may be occasions when you may feel the level of service you received has fallen below an acceptable standard. If this is the case you should contact us to voice your concerns and we will do our outmost to put things right as soon as possible.

If you feel the level of service you received has fallen below an acceptable standard you can contact us by:

• Telephone: 01489 790 620
• Email: expressplc@aol.com
• Letter to: Express Finance Loans Ltd, 3 Mallett Close, Hedge End, Southampton SO30 2NH

How long does it take us to deal with your complaint

Where possible we aim to resolve your complaint by the end of the next working day following receipt of your complaint. You will be contacted as soon as possible via email or telephone and we will attempt to resolve your complaint without delay. If the complaint can be resolved at this stage no further action is necessary.

If your complaint cannot be resolved by close of business on the business day following its receipt, it will be acknowledged by an email which will contain a brief synopsis of our understanding of the complaint and an outline of the action we intend to take, as well as an estimate of how long the complaint should take to resolve.

If your complaint cannot be resolved within five business days a director will take responsibility for the complaint and will be writing to you providing an outline of the action we intend to take as well as an estimate of how long the complaint should take to resolve.

If your complaint remains unresolved you will be updated within four weeks of your original complaint giving you a progress report and expected time to resolve. In the unlikely event that your complaint is still unresolved you will be updated within eight weeks of original complaint by letter or email giving you the reasons for the delay. You will also be informed in this letter that you have the option to refer the complaint to the Financial Ombudsman Service if you are not satisfied with the delay. A copy of the Financial Ombudsman Service’s explanatory leaflet will be provided.

Our Final Response

When your complaint is concluded you will receive a letter with our final response. It will provide you with our decision and what we propose to do in order to remedy the situation. We will also inform you that if you are unsatisfied with our final response you have the option to refer the complaint to the Financial Ombudsman Service.

Financial Ombudsman Service

If you are not happy with our final response you are entitled to complain to the Financial Ombudsman Service. You must do this within six months from the date you received our final response. The Financial Ombudsman offers a free and independent service where, subject to it meeting the qualifying criteria, they will look at your complaint, along with our response. The Financial Ombudsman Service will only consider your complaint after we have provided our final response.

You can find out more about the Financial Ombudsman Service on their website at www.financial-ombudsman.org.uk

You can write to the Financial Ombudsman Service at:
The Financial Ombudsman Service
Exchange Tower
1 Harbour Exchange Square
London
E14 9SR

Telephone 0845 0801800
Email: complaint.info@financial-ombudsman.org.uk