Job Loss Protection Offer
Job Loss Protection Offer
Job Loss Protection Scheme available at Bishops Fiat

Job Loss Protection Scheme

Available at Bishops Fiat

This 12 month payment holiday provides our customers assurances that if you're in the unfortunate position of being made redundant in the first 12 months of your finance agreement, your monthly payment will be covered until you're re-employed.

How to qualify for the scheme?

We know that unemployment is a concern for many when considering a long-term financial commitment, especially during this time. Our payment waiver covers you if you are made redundant through no fault of your own or
off work due to long-term sickness: the loan repayments can be waived for up to 7 months or until you’re re-employed or return to work, whichever occurs earlier.

In either event, to qualify you must be off work for at least 30 days before the benefit can commence. With the exception of the initial month of enrolment, all waiver payments will be backdated to begin from the date they became necessary e.g. the day you were made redundant.

What is the scheme?

Our 12 month job loss protection benefit is a guarantee to our customers that, in the event of losing your job or being off work due to certified illness, your scheduled car finance payments will be waived (paid by us on your behalf) until you return to work, for up to seven months of instalments.

It is valid solely for the first year of the finance agreement, or until you close your finance agreement if this takes place within the first year.

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Privacy & Terms

FG Barnes Group Privacy Statement 2018



The FG Barnes Group is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Privacy Statement applies to the FG Barnes Group website and governs data collection and usage. By using the FG Barnes Group website, you consent to the data practices described in this statement.

Collection of your Personal Information

Personal data can be collected by FG Barnes Group at different instances i.e. in showroom, at the service centre, on-line etc. FG Barnes Group may collect and store the following kinds of personal information; information that you provide when registering online, information you provide when completing your online profile, information that you provide to us when signing up to any distribution lists to receive correspondence from us or information relating to any purchase you make of our goods or services, including any other transaction details made via any of the FG Barnes Group websites.

FG Barnes Group collects personally identifiable information, such as your e-mail address, name, home or work address or telephone number. FG Barnes Group also collects anonymous demographic information, which is not unique to you, such as your postcode, age, gender, preferences, interests and favourites.

There is also information about your computer hardware and software that is automatically collected by FG Barnes Group. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used by the FG Barnes Group for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the FG Barnes Group website.

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through the FG Barnes Group public message boards, this information may be collected and used by others. Note: The FG Barnes Group does not read any of your private online communications.

FG Barnes Group encourages you to review the privacy statements of websites you choose to link to from FG Barnes Group so that you can understand how those websites collect, use and share your information. FG Barnes Group is not responsible for the privacy statements or other content on websites outside of the FG Barnes Group and the different franchises owned by the group.

Use of your Personal Information

FG Barnes Group collects and uses your personal information to operate the FG Barnes Group websites and deliver the services you have requested. FG Barnes Group also uses your personally identifiable information to inform you of other products or services available through the group and its affiliates. FG Barnes Group may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

FG Barnes Group does not sell, rent or lease its customer lists to third parties. FG Barnes Group may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party. In addition, FG Barnes Group may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to the FG Barnes Group, and they are required to maintain the confidentiality of your information.

FG Barnes Group does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.

FG Barnes Group keeps track of the websites and pages our customers visit within the group, in order to determine what FG Barnes Group services are the most popular. This data is used to deliver customized content and advertising within FG Barnes Group to customers whose behaviour indicates that they are interested in a particular subject area.

FG Barnes Group Web sites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on FG Barnes Group or the site; (b) protect and defend the rights or property of FG Barnes Group; and, (c) act under exigent circumstances to protect the personal safety of users of FG Barnes Group, or the public.

Security of your Personal Information

FG Barnes Group secures your personal information from unauthorized access, use or disclosure. FG Barnes Group secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other websites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

Your rights

As an individual, you have the rights to request any data that the FG Barnes Group holds on you. Thus is done through a Subject Access Request (SAR). Upon receipt of such request the FG Barnes Group will confirm your identity and provide all relevant data that the group holds in the most practical format unless stated otherwise.

If you instruct the FG Barnes Group to no longer process your personal data then we will do so as quickly as possible. The FG Barnes Group will have this done within 21 days of the initial request. This also applies if you wish the FG Barnes Group to destroy any personal data that may be held or if you instruct the FG Barnes Group to cease all processing for marketing purposes.

Use of Cookies

FG Barnes Group website uses "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the web server that you have returned to a specific page. For example, if you personalise FG Barnes Group pages, or register with FG Barnes Group site or services, a cookie helps the group to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same FG Barnes Group website, the information you previously provided can be retrieved, so you can easily use the FG Barnes Group features that you customized.

You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the FG Barnes Group services or websites you visit.

ICO Registration

FG Barnes Group is a registered data controller with the Information Commissioners Office (ICO). Our registration number is Z6812815. For more information about the ICO then you can visit their website - https://ico.org.uk/ .

Changes to this Statement

FG Barnes Group will occasionally update this Privacy Statement to reflect company and customer feedback. FG Barnes Group encourages you to periodically review this Statement to be informed of how FG Barnes Group is protecting your information.

Contact Information

FG Barnes Group welcomes your comments regarding this Privacy Statement. If you believe that the group has not adhered to this statement, please contact FG Barnes Group at gdpr@barnes group.co.uk. This will then be picked up by our Data Protection Officer. We will use commercially reasonable efforts to promptly determine and remedy the problem.



Terms & Conditions: For the first 12 months of your agreement you are entitled to a payment waiver in respect of accidental death, accident, sickness and involuntary unemployment subject to the following conditions: 1.1 We will waive any regular repayments due under the agreement while you are unable to work entirely due to accident or sickness or are involuntarily unemployed for any period in excess of 1 month, (up to a maximum of 7 monthly repayments for any one instance of accident, sickness or involuntary unemployment), provided that you meet the requirements set out in section 1.2 below. If you die due to an accident, we will waive 7 monthly payments. Payment waiver can be activated only during the first 12 months of the agreement. 1.2 To avail of payment waiver you must meet the following conditions: a) Immediately prior to you becoming involuntarily unemployed or being unable to work due to accident or sickness, you must be aged 18 or over, living in the UK and working at least 16 hours per week for at least the previous 6 months (if you have been furloughed under the UK Government’s Coronavirus Job Retention Scheme, you are deemed to have been working your contracted hours during that period); and In the case of accident or sickness: b) You must be wholly unable to work due to the accident or sickness for at least 30 consecutive days and be under regular consultation with or receiving continuing treatment from a doctor who is a medical practitioner (other than you or a member of your family) registered with the General Medical Council; c) You must have a doctor’s certificate confirming you are unable to work. You must also provide confirmation from your employer of your absence from work; or In the case of involuntary unemployment: d) You must be wholly unemployed for at least 30 consecutive days and be available for, capable of and actively looking for work. e) You must be registered as available for work with the Department for Work and Pensions and receiving Jobseeker’s Allowance as defined by the relevant legislation or regulations. f) Your unemployment must be involuntary. This means that you are unemployed because: (i) your employer has stopped or is going to stop the business which employed you either completely or at the place where you worked; or (ii) your employer’s need for employees to do work of a particular kind has ended or reduced (or is expected to do so) either generally or at the place where you worked; or (iii) you were self-employed and the business or partnership in which you worked has stopped trading permanently and is being, or has been, wound up or dissolved. “self-employed” means: • you are carrying on a business in the UK either alone or as a partner in a partnership; or • you can control the affairs of a company you work for because either you or a relative or a member of your household individually or jointly hold the majority of the voting rights in that company; or • you can otherwise ensure that the company you work for conducts its affairs according to your wishes. 1.3 You will not qualify for a payment waiver if In the case of accident or sickness: a) Your accident or sickness relates to elective or cosmetic surgery or results from a deliberate or self-inflicted injury or from drinking alcohol or taking drugs; or b) You do not intend to return to work following recovery from your accident or sickness, for example if you have retired or resigned from your job. Or in the case of involuntary unemployment: (a) you knew at the time of making the agreement that you were going to be made unemployed or had reason to believe that it was likely; or (b) Your unemployment results from your fixed term contract reaching its expected expiry date; or (c) Your unemployment results from your conduct (including fraud, illegal activity, dishonesty or anything that led to or might have led to a disciplinary procedure), your resignation, any unemployment of a voluntary nature, or where you have taken early retirement. Or in the case of accidental death: a) Is not as a result of a sudden, unexpected, unusual, specific event which occurs at an identifiable time and place. This does not cover any form of death caused or as a result of natural causes. 1.4 Subsequent instances of accident, sickness or involuntary unemployment within 6 months of the end of an earlier instance will be regarded as a single instance. This means that the requirement to be unable to work or be involuntarily unemployed for a minimum of 30 days continuously will take into account the earlier period of accident, sickness or involuntary unemployment. However the maximum payment waiver will also take into account the number of payments previously waived in respect of the earlier period of being out of work due to accident, sickness or involuntary unemployment. 1.5 In the case of joint borrowers, the person who usually makes the repayments will be entitled to apply to us for a payment waiver. For accidental death, on the death of one joint borrower we will waive 7 monthly repayments. 1.6 If you are out of work due to accident or sickness or you have become unemployed and you wish to activate your payment waiver, you can write to us at service-centre@fcagroup.com. We will ask for evidence to support your request, which will include details of your employment or accident or sickness and such other information as we reasonably believe is necessary. You must pay any costs involved in the provision of the evidence. We will require ongoing evidence of your eligibility for payment waiver if you continue to be out of work due to unemployment, accident or sickness. In the event of accidental death, your next of kin should advise us using the contact details above. 1.7 You will be required to continue making payments under this agreement until we confirm to you that a payment waiver applies. We have the right to assume that you qualify for a payment waiver in advance of receiving evidence. However, if you do not provide evidence within 60 days of our request for it, that you are unable to work entirely due to an accident or sickness or that you are unemployed or if, on further investigation, we identify that you are not unable to work due to an accident or sickness or that you are not unemployed we will advise you in writing that you do not qualify for a payment waiver and section 1.9 will apply. 1.8 If we confirm that you qualify for a payment waiver we will waive any regular repayments due under the agreement as follows: a) We will waive the repayments due under the loan agreement from the first payment due after you tell us that you have become unable to work due to an accident or sickness or your become unemployed. b) We will refund any repayments that you have made from the date you first qualified for payment waiver. c) The payment waiver will continue for as long as you continue to be unable to work or continue to be unemployed, up to a maximum of 7 months. d) If the agreement is settled early whilst the payment waiver applies, we will not waive any sum which becomes due as a result of the early settlement. For the avoidance of doubt, we will never waive the balloon payment or refund you if you have already paid it. 1.9 Benefits under payment waiver will end if: a) We have waived 7 monthly repayments; b) you are no longer unable to work due to an accident or sickness or you are no longer unemployed; c) you do not provide, when we ask, reasonable evidence that you are or continue to be unable to work entirely due to an accident or sickness or that you are or continue to be unemployed; d) the agreement ends or the total debt is paid in full; or e) you die. 1.10 If you do not tell the truth or mislead us about being unable to work due to an accident or sickness or about being unemployed, you must make all payments plus any additional sums of interest that were due under the agreement. 1.11 You agree that we may share any personal data provided by you with any administrators appointed by us or with any insurer and their agents, sub-contractors or administrators, providing cover to us in respect of our obligations under the agreement.