
Treating Customers Fairly
CHN has adhered to the Treating Customers Fairly (TCF) initiative in which the Financial Conduct Authority (FCA) has outlined six core consumer outcomes that it wishes to see. These are:
- Consumers can be confident that they are dealing with firms where the fair treatment of customers is central to the corporate culture.
- Products and services marketed and sold in the retail market are designed to meet the needs of identified consumer groups and are targeted accordingly.
- Consumers are provided with clear information and kept appropriately informed before, during and after the point of sale.
- Where consumers receive advice, the advice is suitable and takes account of their circumstances.
- Consumers are provided with products that perform as firms have led them to expect, and the associated service is of an acceptable standard and as they have been led to expect.
- Consumers do not face unreasonable post-sale barriers imposed by firms to change product, switch provider, submit a claim or make a complaint.
If things go wrong:
If you have any reason to complain about any aspect of our service then you can expect that your complaint will be dealt with professionally, impartially and in accordance with the rules laid down by the FCA.
- We are insured as required by the rules laid down by the FCA.
- We will provide details of our complaints policies and procedures on request
- We actively seek comments and observations about the way we deal with our customers and would encourage you to Contact Us if you have any comments on our services.
Latest News & Insights

Market Commentary
“Britain’s economy isn’t broken, but I do know that it’s not working well enough for working people”Chancellor Rachel Reeves has confirmed that the Autumn Budget will take place on Wednesday 26 November, nearly a month later than last year’s Budget. Many economists have warned that tax rises or spending cuts are likely to be announced. Reeves is currently under mounting pressure to address the gap in the public finances while adhering […]

Market Commentary
“Retailers endured another tough month in August”Retail sales volumes fell for the eleventh consecutive month in August, according to the latest survey from the Confederation of British Industry (CBI). The monthly retail sales gauge was at -32%, marking little change from -34% in July. However, the pace of decline is expected to slow down in September, with the outlook improving to […]

Market Commentary
“These figures underscore the intensifying financial squeeze on households and businesses”Inflation was higher than expected in July, with prices rising by 3.8% year-on-year according to the Office for National Statistics (ONS). This is up from the 3.6% recorded in the 12 months to June and nearly double the Bank of England’s (BoE’s) target of 2%. Earlier this month, the BoE made the decision to reduce […]
