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Code of Practice

The Finance & Leasing Association (FLA) is the major UK representative body for the UK finance and leasing industry. The FLA campaigns for best practice in lending and leasing. The Code sets out standards of good practice for the finance and leasing industry and is intended to assure all who obtain finance from full members that they are doing business with reputable organisations. 

Our Lenders as members of the Finance and Leasing Association (FLA), promises to uphold the 11 key commitments outlined below. These commitments apply to the conduct of business for all products and services provided to customers.

• Act fairly, reasonably and responsibly in all their dealings with you;
• Ensure that all services and products comply with this Code, relevant laws and regulations;
• Not discriminate between consumers on grounds of race, gender, disability, ethnic origin or sexual preference;
• Assist you when you are seeking information and/or guidance;
• Act with integrity and try to ensure that credit brokers, and all other suppliers of goods and services with whom we do business, do likewise;
• Respect confidential information provided by you;
• Correct errors and handle complaints speedily;
• Consider cases of financial difficulty sympathetically and positively;
• Follow any Guidance Notes issued by the Association, where relevant;
• Provide adequate training for our staff to ensure that the procedures they follow reflect the commitments set out in this Code;
• Make copies of this Code freely and readily available to consumers.

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What are adverse credit mortgages?

Adverse credit mortgages are no different to standard mortgages, except
they are intended for people with a bad credit history. Sometimes referred to as a sub prime or non-status mortgage, an adverse credit mortgage is designed to help people get on the property ladder if they have blemishes on their credit rating. To find out more, and how to get a mortgage if you are affected by an adverse credit history, visit Bad Credit Mortgage UK

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