09064001973

Hi Morgan

I work within the Customer Service Department at CFD, the telephone number belongs to CFD.

Cash Finance Direct Limited, trading as Horizon Finance, is a master finance broker who helps individuals to arrange loans. We do not lend the money ourselves, but take your details through our telephone service, and pass them on to our extensive panel of lenders with the intent of them making an offer of finance to you directly.

We have a UK based call centre just outside Manchester, our full postal contact can be found here: http://horizonfinance.co.uk/contact.aspx, we have offered our service since 1996.
Our company registration number is 03173946, our consumer credit licence number is 0503842, we are also registered with the Information Commissioners office number Z5629285.  We are accredited with the ISO 9001 award for approved quality management systems used in the running of the service we offer.

We have been heavily regulated to operate the service we offer since 1996. We are licenced by both Phonepay Plus for our premium rate lines, and The Office of Fair Trading for our licence to arrange financial products on behalf of our customers. We also comply with the Information Commissioners operating code when processing client’s personal data. We are exempt from registration with the FSA (Financial services authority) as we do not arrange secured loans or lend money ourselves.

Compliance is absolutely paramount to our organisation, we have scripted wording for our agents to ensure they say only what they are permitted to say, nothing more, and nothing less. This is further supported by our ISO 9001 award for approved quality management systems, both of which demonstrate our commitment to staff training to ensure the service received by our clients is fully compliant at all times.

We are a business, and therefore cannot operate our service for free, the back-up support, underwriting department, customer services department, agent costs, extended opening hours and other benefits have a cost attached to them, we must cover this cost by the use of our premium rate call.

We are transparent with our customers and do not disguise the fact that we generate an income from the use of our Premium Rate service. The call charges are provided from the outset, you will be answered by an automated greeting confirming the cost of the call and maximum call time before any conversation takes place, allowing you, the customer, to make a choice of whether or not to continue with using our service. Using premium rate telephone lines allows us not to be guided by which of our lenders will reward us with the biggest commissions, but on which lender is right for our customers and their individual circumstances or loan requirements.

We do not charge upfront application or administration fees, there are many other finance brokers in the market who charge up to £70.00 to take your details and pass them on to a lender.

A handful of the many benefits to using our service.....

•    No waiting in a call queue when using our service.
•    Dedicated agents dealing with your enquiry from start to finish.
•    One of the largest lending panels in the UK with a dedicated underwriting department.
•    A full “no questions asked” refund policy for any costs incurred in using our service.  
•    Dedicated customer services department offering freephone support from 9am to 7pm.
•    Long opening hours - 8am to 9pm on Weekdays and Saturday from 9am to 4pm.
•    UK call centre employing local, friendly and knowledgeable staff to handle your call efficiently.    
•    Investor in people and ISO 9001 accredited telephone agents dealing with your call.    
•    Regular updates and lender contact details sent to you free of charge by SMS and also by email.

We are sometimes asked “why charge for a premium rate call only to offer a refund of the costs”  just as you would not expect to help yourself to products free of charge at your local supermarket simply because they had a money back guarantee, we operate in the same way. We hope that the hard work, investment in staff training, and continual improvements in every aspect of the service we offer will be recognised by many of our customers, who in turn are happy to pay for the relatively small cost of the call, as they feel they have received real value for money based on their own experiences.  

We would like to help every single customer get exactly what they want, unfortunately, this would be an impossible task and however hard we try and however many lenders we have on our panel we cannot help everyone. If, for whatever reason, you are not 100% completely satisfied with our service and would like to claim your money back, we offer a full “no questions asked” money back guarantee for the full costs of your call.  

The law permits us to retain £5.00 towards the expenses we have incurred in processing your enquiry, however, we have chosen to waive this right and will always offer a full refund.  

It is very important to us that our customers feel completely satisfied with the service we offer, and if you don’t, for whatever reason, we feel that you should not have to pay for it. We won’t question your reasons for wanting a refund, but we do appreciate your feedback so we may use it to focus our attentions on what is truly important to our customers.

In order to obtain a full refund, we would simply ask that you send in a copy of your telephone bill (to ensure that we do not underpay you) highlighting the calls made to our service.

If sending by post, you can either send it using our freepost service as below:  

(No stamp required, simply write the above address on your envelope and we pay the cost)

Customer Services Department
FREEPOST
CFD
SK1 1TA

Or, you can use our normal postal address, but will need to place a stamp on your envelope:

Cash Finance Direct Limited
Floor 7
Dale House
Tiviot Dale
Stockport
Cheshire
SK1 1TA

A scanned copy of your telephone bill will be perfectly acceptable, please send it via email to:  customerservices@horizonfinance.co.uk

If you are in any doubt that we have received your refund request, please do not hesitate to contact us, ideally via email to customerservices@horizonfinance.co.uk and we will come back to you as quickly as we can with an anticipated payment date, please include your name, address and telephone number so we can contact you via telephone if we need to.  

Regards

Customer Service Team

Giving your business name would have sufficed.     Treating it as an opportunity to advertise is akin to the Italian Job....................... You were only supposed to blow the bloody doors off.

Just how frequently do you monitor this forum in case of adverse comment?      How fragile is your reputation?

Still making unsolicited calls too.   Never quite got round to dealing with that point, which is, after all, the one most frequently raised in this forum.

I worked for this company for a short while and I can tell you that the company is ripping people off left right and center. They ring you 1st and guarantee you that you have been excepted for a loan and that you should call this premium rate number, to get your details of your loan. Then you would come through to one of our agents. Our job is to run through your details that you have already given yet again! Our excuse is that the Data Protection Act is preventing us getting your details passed to us, when you come through on the premium number there will be every and I mean a very quick recorded message that you will not understand because, when I myself made a recording I was told by one of the trainers when I asked why do I have to read the cost of the call so quickly! The answer I was given was so the customer doesn't actually hear what's being said! The trainer told me that my job was to keep the customer on the line for the full max of 15 mins which will depending whether you are calling from a land-line the cost would be for the 1st call £23.00 and the second call which will cost a further £16.00 now if you call from a mobile you can double those amounts. After I have kept you on the phone longer enough I will convince you that you can get the call totally refunded by sending us a copy of your bill with your new reference number to this bogus free-post address! I had to answer an average of 25 calls a day otherwise I will be in trouble and disciplinary action would be taken against me. It is a scam! He has been in trouble before! I think the police should investigate this and that criminal charges should be brought against this individual. They think they can hide behind closed doors. Their offices being in the Govrins Solicitors building in Stockport on the 7th and 8th floor! I have also heard on the grapevine that they are also trading under another name within the same building as a loan company, but that I cannot say for certain. Leave well alone! If you need a loan go to one of the payday loans that are on the high street costs you nothing! Cash Finance Direct only give you information they do not arrange loans! I had to learn a cleverly worded script that is very misleading! A play on words! Ex employee