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Firms signed up to the consumer lending code of practice

​This is a voluntary code setting standards of good lending practice. Any business subscribing to it should follow the code as a minimum, which seeks to ensure:

  • consumers are treated fairly
  • that the opportunities for taking on excessive financial commitments are reduced

Who subscribes to this code?

The subscribers shown below are committed to the code, its requirements and its values, and ensure that they apply it in their day-to-day activities:

  • Black Horse Offshore Ltd
  • Cherry Godfrey Finance Limited
  • Close Finance
  • Derek Warwick Honda
  • Distinct Finance Limited
  • Future Finance Limited
  • Henley Offshore Mortgage Services Ltd (The Mortgage Shop)
  • Investec Bank (Channel Islands) Limited
  • Lloyds Bank Corporate Markets PLC
  • Reto Finance Limited
  • Skipton International Limited

What if I have a complaint against one of the subscribers to this code?

You should contact them directly. They should tell you about their complaint procedures and deal with you in a fair, swift and constructive way.

Who deals with complaints relating to non-compliance with the code?

Trading Standards will investigate complaints relating to this code.

Where can I get a copy of this code?

You can download a copy here or printed copies are available from:

  • any subscriber to the code
  • Trading Standards, PO Box 228, Jersey, JE2 3QQ 
  • Citizens Advice Bureau, St Paul's Gate, New Street, St Helier

 Download the code of consumer lending (size 372kb)

How can I subscribe to this code?

Contact Trading Standards for more details.

Email Trading Standards​

Review of the code

The code is currently under review. A working group has been established by the Jersey Consumer Council, who are the code sponsors. For more information contact the Jersey Consumer Council.

Jersey Consumer Council website


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