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Credit is not my real business; I only offer finance facilities to remain competitive. Doesn the responsibility lie with the company actually lending the money?

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Credit is not my real business; I only offer finance facilities to remain competitive. Doesn the responsibility lie with the company actually lending the money?

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No. To offer credit, you must have a Consumer Credit Licence even if your client will borrow the money from somebody else. Consequently you will be required to have a suitable complaints procedure in place.

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