Authorisation of Halls Uk
We are writing to confirm that Halls Uk has been authorised with effect from Wednesday, 11 November 2015
Scope of permission
Attached is a 'Scope of Permission Notice' setting out the regulated activities you are authorised to carry on.
As an authorised person, Halls Uk is subject to the following:
• Prudential category: Consumer Credit Firm
This means that you need to refer to the following section of the Handbook:
• Threshold conditions (COND)
A formal notice of approval for each approved person who may carry on controlled functions under s59A of the Financial Services and Markets Act 2000 (“FSMA”) will be sent separately by email. The individual reference number for each approved person should be quoted on all future correspondence in relation to that person. Please confirm the details in these notifications are correct.
FCA approval to perform a controlled function brings with it a number of important responsibilities, including a duty to be aware of and comply with FCA regulatory requirements and expectations. Specifically, approved persons must:
1. Continue to comply with the FCA’s Fit and Proper test for Approved Persons, set out in the FIT section of the Handbook. Approved persons have a duty to report to the authorised firm and to the FCA any matter that may impact on their ongoing fitness and propriety. The questions in the individual Application Form can provide a useful but non-exhaustive guide to matters which should be reported.
2. Comply with the Statements of Principle and the Code of Practice for Approved Persons set out in the APER section of the Handbook. These Statements of Principle describe the conduct that the FCA requires and expects of the individuals it approves. The Code of Practice sets out guidance, together with generic examples of conduct which, in the FCA’s opinion, do not comply with the Principles.
Four Statements of Principle apply to all approved persons and an additional three apply to persons who carry out a significant influence function (SIF). All SIF holders must ensure they are aware of Statements of Principle 5-7 and understand how they apply to the performance of their controlled function(s).
Non-compliance with these regulatory requirements may result in the FCA taking enforcement action against the approved person.
We would remind the firm that s178(1) of FSMA requires a person (whether or not he is an authorised person) who decides to acquire or increase control of a solo-regulated firm to notify the FCA in writing before making the acquisition or increasing control. The Handbook – Supervision Chapter 11, Controllers and Close Links – contains useful information and you can find full details on our website (www.fca.org.uk)
Head of Credit Department, Credit Authorisations Division
Top 10 card fraud prevention tips for the e-shopping enthusiast
So you've found something that you want to buy online, but need a bit of reassurance before you commit to paying. You'll probably want to make sure that your card data is being used responsibly and that your details aren't going to be compromised... here's what to look out for:
- HTTPS: Hypertext Transfer Protocol more commonly known as Http is used for most webpages. However when you come to entering your card details online, watch out for the change from http to https ensuring the page is using a secure connection. However be warned, if not properly implemented, https is not fail safe so read on for some more top tips...
- Website policies: Have a look for the sites Security policy. This should detail what information they are going to collect and how they are going to use it.
- 3D Secure: If you come across 3D Secure and haven’t registered, make sure you do. 3D Secure provides an additional layer of protection by asking you to enter a password that has been registered with your bank. This way if your card information is obtained illegally, it will help to prevent funds being spent in your name.
- Confirmation: Keep hold of any confirmation emails that you receive. Always check goods against your card statements. This way you can easily identify charges that you don’t recognise.
- Payment Card Industry compliance: Make sure the retailer you are shopping with has some level of PCI compliance. If you can’t find the information you’re looking for, don’t be afraid to contact the retailer and ask.
- Contact details: It may sound obvious but make sure there are contact details on the site including a physical address.
- Reviews: Check online for reviews. With social media more popular than ever, if a customer has received bad service, the chances are they will have put it online.
- Credit vs. Debit cards: Try using a credit card rather than debit-It will offer you more consumer protection.
- Chargebacks: If you haven’t received your goods and are unable to contact the company in question, contact your bank for a chargeback.
What is Sage Pay?
Sage Pay is, the fastest growing independent payment service provider (PSP) and is a division of business software company Sage, one of the UK’s most trusted business brands. We process over 4 billion secure payments each year, for over 30,000 + UK businesses of all sizes. They all rely on Sage Pay to keep their money moving and help them to tackle online card fraud, ensuring that the payment process is safe and easy for you .
Making it safe to shop online
By using Sage Pay, the company you're about to shop with is ensuring that your card details are not compromised. At Sage Pay we encrypt every transaction to the highest global standards. Our secure systems are scanned and audited regularly by one of the world’s leading Qualified Security Assessors (QSA) so that you can be confident about using them to make a secure payment online.
Sage Pay also automatically provides all of its customers with fraud prevention tools — what that means for you is that if your card has been compromised somewhere else, our e-tailers are using technology that will help to prevent your details from being illegally used on their own site.
Halls Uk operates a 30 day money back guarantee for its products. If you are not completely satisfied with your purchase you can return it to us within 30 days of purchase unused and in it's original packaging for a full refund or replacement, whichever you prefer.
Please ensure you follow our returns procedure – in the first instance call our returns line on the local rate number 0845 8115558 to obtain your return authorisation number and details on how to return your product
All products bought from Halls uk have a minimum one year parts and labour warranty.
In the unlikely event that a product fails during its warranty period please call 0845 8115558 and we will arrange an immediate repair
97% of all orders despatched on a next day service when received before 12 noon.