We are committed to resolving your complaint fairly and quickly. In most cases this can be done if you contact us as soon as possible. We will try to resolve your complaint by listening to your concerns and agreeing a solution with you.
If you're not completely happy with our service, we’d like to hear about it - that way, we can do something to put it right. At JCB Finance Ltd, we do everything we can to make sure our customers get the best possible service. However, sometimes, we don’t get things right first time. When that happens, we always encourage you to tell us about your complaint, so that we can put matters right. We want to:
If you have a complaint about any aspect of our service then we would like to hear from you. You can tell us about your concern in the following ways:
Complaints made by email - if you send us a complaint by email, we will usually respond to your email address. However, there may be occasions when we will need to respond to you by post to ensure privacy or where we need to enclose copies of documents.
Please enter your details and a brief description regarding the nature of your complaint in the form below.
This enquiry form is for JCB Finance customers only. For JCB please click here
We aim to solve your concern straight away. However, if we have not been able to resolve your complaint within one week, we will write to tell you:
We will usually resolve most complaints within two weeks. If your complaint is particularly complex, it may take longer to resolve. We will contact you regularly until your complaint has been resolved.
If we can't agree an acceptable resolution to your complaint within eight weeks we will:
You may be eligible to refer your complaint to the Financial Ombudsman Service.
We will send you a leaflet telling you more about the Financial Ombudsman Service and explaining your referral rights if we haven’t been able to resolve your complaint within eight weeks, and with our final decision letter.
We are covered by the Financial Ombudsman Service in relation to financial agreements regulated by the Consumer Credit Act 1974 and contracts of general insurance. If we cannot reach agreement with you, we will issue you with a Final Response Letter. This letter will clearly set out our position in relation to your complaint.
Our aim is to resolve all complaints internally. However if you are not satisfied with our decision, or if eight weeks have passed since you first brought your complaint to our attention, you may be able to refer your complaint to the Financial Ombudsman Service.
If you want the Financial Ombudsman Service to look into your complaint, you must contact them within six months of the date of any final response issued.
You can write to them at:
The Financial Ombudsman Service
Exchange Tower
London
E14 9SR
Alternatively you can telephone 0800 023 4567 or email complaint.info@financial-ombudsman.org.uk.
Further helpful information can be obtained from visiting the Financial Ombudsman website on www.financial-ombudsman.org.uk.
The Financial Ombudsman Service offers a free independent service and they can help with most financial complaints. However, there are some limitations on what the Financial Ombudsman Service can look into, and further information about this can be obtained from them directly.
The Financial Conduct Authority (FCA) temporary pause to the usual complaint-handling time limits for certain motor finance commission complaints, has now been lifted. On 1st May 2026, however, the FCA published a statement confirming its compensation scheme has been legally challenged.
This may affect our timescales for responding to motor finance commission complaints but rest assured customers do not need to do anything else, once their complaint has been acknowledged by JCB Finance. Customers can still make a complaint. However, complaints may not be resolved within the usual timeframe.
We are reviewing all relevant motor finance commission complaints in line with the FCA’s rules and will continue to assess them under the redress schemes where appropriate. We will contact customers directly with further information or an outcome once the scheme applies.
For more information relating to Financial Conduct Authority temporary change to the complaint time limit rules see www.fca.org.uk/carfinance
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