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Complaints Policy


We are committed to providing our customers with the best possible service. If you have any complaints about our products or services, please let us know so that we can investigate and take action to resolve the issue.

What is a complaint?

We consider a complaint to be any expression of dissatisfaction about the standard of our goods or services, or our actions or lack of actions (including those of our employees or anyone acting on our behalf) affecting our customers or prospective customers.

How to make a complaint:

You can make a complaint in writing, by phone, or in person.

If you write to us, please send your complaint to:

PCM Group

1-5 Professional Place

Hodson Way



SS11 8YX

Or you can contact us by email using the email address:

If you wish to call us, please call your local store, and ask to speak to a member of our management team.

If you wish to visit us in person, we are open Monday – Saturday 9am to 6pm and on Sundays 10am – 5pm, weekends by appointment.

What we will do

When we receive a complaint, we will:

  • Acknowledge your complaint within 3 working days.
  • Investigate the matter and get back to you within 10 working days.
  • If we need more time to investigate your complaint, we will let you know.
  • We will keep you informed of our progress and let you know the outcome of our investigation.

What we can do:

If we find that we have made a mistake, we will:

  • Apologise for the inconvenience caused.
  • Put things right, for example by repairing or replacing the product, or giving you a refund.
  • If we cannot put things right, we will explain why and offer you a reasonable alternative.

Your rights:

You have the right to complain to us if you are not happy with our products or services. You may also have the right to take your complaint to the Financial Ombudsman Service (FOS) if you are not satisfied with the outcome of our investigation if your complaint relates to a financial services product sourced through us – see Complaints about Financial Service Products below.

Learning from our mistakes:

  • We will analyse the complaints we receive identifying any patterns in complaints and their root causes. We will implement the lessons learned.
  • We provide training to all staff on how to identify and offer help customers making a complaint.

Complaints about Financial Service Products

  • We will initially handle your complaint using the process set out above.
  • We will ensure that our staff refer complaints about financial service products to a director within 1 working day of receipt of the original complaint.
  • Our director will record and monitor a complaint about a financial services product. They will seek to address and resolve the complaint in accordance with FCA Complaints Rules.
  • We will send a final response letter to you no later than eight weeks after we first received your complaint.

The final response letter will:

  • Accept your complaint and, where appropriate, offer redress or remedial action; or
  • Offer redress or remedial action without accepting the complaint; or
  • Reject the complaint and give reasons for doing so; and indicate if we consent to waive the relevant time limits for referral to the FOS.

It will also:

  • Include a copy of the FOS's standard explanatory leaflet.
  • Provide the website address of the FOS; and inform you how, if you remain dissatisfied with our response, you may refer the complaint to the FOS.

About the FOS

The FOS is an independent body that can help to resolve complaints between consumers and businesses relating to financial products and services. If you want to take your complaint to the FOS, you must do so within 6 months of the date of your complaint.

To contact the FOS, please visit their website at or call them on 0800 023 4567.

Thank you for your feedback. We appreciate your feedback, and we will use it to improve our products and services.