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Beth mae FOS a FSCS yn ei gwmpasu — a pham mae benthyciad i gwmni y tu allan i'r ddau

Crynodeb: gwasanaeth annibynnol, am ddim, yw'r Financial Ombudsman Service (FOS) sy'n datrys anghydfodau rhwng cwmnïau ariannol a chwsmeriaid cymwys. Cynllun statudol yw'r Financial Services Compensation Scheme (FSCS) sy'n talu iawndal, hyd at derfynau penodol, pan fydd cwmni ariannol awdurdodedig yn methu.

Pam mae benthyciadau busnes y tu allan i'r ddau

Mae'r ddau gynllun wedi'u hadeiladu o amgylch gweithgaredd rheoledig ac, yn bennaf, o amgylch amddiffyn unigolion. Nid yw benthyciad i gwmni cyfyngedig neu LLP at ddibenion busnes yn gytundeb credyd defnyddwyr rheoledig, oherwydd Erthygl 60B FSMA RAO 2001. Felly nid yw benthyciad busnes Credicorp wedi'i gwmpasu gan y FOS nac wedi'i gwmpasu gan y FSCS.

Pam mae benthyciadau busnes y tu allan i'r ddau Crynodeb: gwasanaeth annibynnol, am ddim, yw'r Financial Ombudsman Service (FOS) sy'n datrys anghydfodau rhwng cwmnïau ariannol a chwsmeriaid cymwys. Cynllun statudol yw'r Financial Services Compensation Scheme (FSCS) sy When NOT to take a short-term business loan in the UK A short-term UK business loan is the wrong tool for some problems. Here is an honest guide to when you should not borrow, and what to consider before… How to read a Key Information Sheet for a UK business loan The Key Information Sheet for a UK business loan summarises the cost and terms in plain English. Here is a section-by-section guide to what to check… Your business credit score UK: how it works and how to improve it How a business credit score works in the UK: what feeds your company's rating, why it differs by agency, and practical steps to improve it. No early repayment fee? How the early-settlement charge works on UK business loans You can settle your UK business loan early at any time with no hidden fee. An early-settlement charge of up to 28 days' interest may apply — the… What is a \"body corporate\" in UK lending, and why it matters A body corporate is a company or LLP — a separate legal person. Here is why lending to one sits outside FCA consumer-credit rules. What is a business loan in the UK? A UK business loan is money borrowed by a company for business purposes, repaid with interest. Here is how it differs from a personal loan, who can…

Eich llwybr os bydd rhywbeth yn mynd o'i le

Rydych yn codi'r mater drwy ein proses gwynion fewnol. Os na ellir ei ddatrys, yr uwchgyfeiriad terfynol yw'r llysoedd, yn hytrach nag ombwdsmon. Mae cymorth dyledion annibynnol am ddim ar gael o hyd, gan gynnwys Business Debtline (0800 197 6026).

Crynodeb Cymraeg — mae fersiwn Saesneg lawn yr erthygl hon yn awdurdodol. Darllen yr erthygl lawn yn Saesneg

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