11 February 2020
Redbridge-based Spire London East Hospital has been upgraded to a ‘Good’ rating following an inspection by the Care Qual…
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Your response will help us improve the site and the experience we offer to visitors.
Use the finance calculator and eligibility checker to see the cost of a loan and how much it will be each month. You can check if you'll be eligible for finance through Omni Capital and your credit score won't be affected.
Call Omni Capital on 0333 240 8317. Lines are open Monday to Friday 8am – 8pm and Saturday 9am – 6pm or email email@example.com
If you have a loan with Omni Capital you can find out your loan balance using their automated valuation service. Call 0333 240 8317
Your contact at Spire will be able to advise you on whether your treatment or procedure is eligible for financing. Please note we do not offer loans for:
Credit is subject to status. UK residents aged 18 years and over.
Omni Capitalneed loan agreements to be completed before the applicant reaches their 85th birthday. This means if you're aged 83 you could take out a 12 month loan agreement but not a three year agreement, as the monthly repayments would conclude after your 85th birthday.
The minimum loan amount available for Spire Healthcare is £1,000. The maximum is £25,000. If the cost of your treatment procedure is higher than £25,000, a larger deposit will need to be paid.
Once an application is made it is not possible to amend it. Please ensure the details are correct before submitting your application. If any details are incorrect, please ask your contact at Spire to cancel the application so a new one can be created/processed.
To ensure there is no delay to your treatment, please ensure you apply for your loan at least seven days before your treatment date.
Your deposit payment should be paid to Omni Capital once your application has been accepted. Omni Capital will pass the deposit to Spire Healthcare. You’ll be sent a link to your email address during the application process and you can use this to pay your deposit. You cannot make a deposit to the hospital.
You should pay your deposit once your loan application has been approved to ensure your treatment is not delayed.
It is not possible to alter the deposit amount online once an application has been made. There are two options if you'd like to amend the deposit amount:
The minimum loan amount available for Spire Healthcare is £1,000. You're able to apply for financing if your procedure cost meets this minimum amount.
Applications usually take between 10 - 15 minutes to complete. If your application is referred it may take longer although Omni Capital will do their utmost to have your application completed as soon as possible
Omni Capital are unable to guarantee any agreement will be accepted. Please complete the application accurately to the best of your knowledge and if they need any further information in order to make a decision they'll contact you as soon as possible to discuss what's needed.
As responsible lenders, Omni Capital will carry out credit checks on all applicants before agreeing to a credit agreement. This will be reflected on your credit file and will have no adverse affects.
If your application has not been successful it means you have not passed the current lending criteria. There are many factors which make up your application and Omni Capital use the information you provided, details of the credit you are trying to obtain, along with information gathered from Independent Credit Reference Agencies to determine whether they can provide you with credit.
Omni Capital are unable to provide you with details of why you may not have passed, or specific results, as part of their searches. If you'd like more information about your Credit Score, you're able to view your credit reports through credit agencies such as Noddle or ClearScore. If you wish to reapply you can do so after 30 days.
Omni Capital are unable to guarantee any agreement will be accepted. Please complete the application accurately to the best of your knowledge and if Omni Capital need any further information in order to make a decision they'll contact you as soon as possible to discuss what's needed.
The easiest way to pay your monthly instalments is by Direct Debit. To set up your payment plan please call Omni Capital on 0333 240 8317 and they'll be happy to help you.
Yes, you can set this up with your bank. The bank details for Omni Capital are:
Account name: Omni Capital
Sort code: 60-04-04
Account number: 85110221
You can change your payment date as long as a payment is made within each calendar month. Please be aware that if you have a payment due in the next 10 days, you may need to wait until the payment has cleared before amending your payment plan.
Similarly if you've recently missed a payment, you may need to wait until a second attempt has been made to collect the funds before your payment plan can be amended. If you'd like to change your payment date, please call Omni Capital on 0333 240 8317 and they'll be happy to talk you through the process.
Yes they can. There are two ways to do this:
If you wish to cancel your agreement, you should contact the Spire hospital in which you're booked to have treatment. If you're proceeding with your treatment but no longer wish to have this financed through your loan with Omni Capital, you'll need to ensure that you have an alternative method of payment for your treatment.
Omni Capital will only accept cancellation requests that are received from Spire Healthcare.
Call Omni Capital's Customer Services Team on 0333 240 8317 to change your personal details. They may need further documentation for changes such as change of name or gender.
Please ensure your details are kept up to date with us and that Omni Capital hold a valid email address as most correspondence will be sent by email.
Once your account has gone 'live' with Omni Capital they'll send you an email confirming the amount that will be paid and your first payment date. If you'd like your first payment date changed, please either send Omni Capital an email at firstname.lastname@example.org or call 0333 240 8317.
Omni Capital have an automated valuation service. Call 0333 240 8317 to get a balance. The balance provided is the current balance of the loan and is not the amount due if you wish to settle your loan early. To obtain a settlement figure please call Omni Capital on 0333 240 8317.
The term of your loan is stated on your Credit Agreement. If you'd like a copy of your documentation please email email@example.com or call Omni Capital on 0333 240 8317.
Call Omni Capital on 0333 240 8317 to obtain a settlement figure. Omni Capital will then either take a payment over the phone to clear your account or you can use Omni Capital's bank details:
Account name: Omni Capital
Sort code: 60-04-04
Account number: 85110221
The agreement you signed defined the payment amount you're expected to make each month. The term of the loan and the amount of credit you've received has been deemed manageable for you using the information you provided when you applied for the loan. It's therefore unlikely that you'll be able to reduce the amount of your monthly payments.
However, if you'd like to make additional payments or pay your account off in full, you can do so at any time. You can get a final balance valuation by calling Omni Capital's automated valuation service on 0333 240 8317.
Please be aware that by choosing the option for a valuation this does not include any interest which may not have been applied to the account at that time. In order to ensure you pay the correct amount, please ensure you obtain a final settlement balance. You can also make additional payments through Omni Capital's automated payment service by calling 0333 240 8317.
If you're not satisfied with the level of service you've received from Omni Capital, please contact their dedicated Complaints Team on 0203 818 5248 or email firstname.lastname@example.org.
You can also complete the form on their complaints page and Omni Capital will contact you with details of their complaints procedure and contact information whilst they investigate your complaint.
Omni Capital are authorised and regulated by the Financial Conduct Authority and they have eight weeks to investigate your complaint and come back to you with their final response.
Applications for Credit are submitted by customers online through Omni Capital's website. As part of the process of applying you will have been sent an email with all the details of the Terms of the Credit and the conditions set by Omni Capital. In order for your agreement to have been completed, an electronic signature box is shown at the end of the document. This is a tick box where you, the customer, is asked to tick you agree to the terms stated in the document. Without this confirmation your Credit Agreement will not be made 'live'.
There is no requirement for a 'wet signature' to be obtained as part of the application process so it's very important that you read and understand the terms of the agreement you have requested, before ticking the box. Non-payment of a Credit Agreement can affect your credit file and may stop you being able to obtain credit in the future. If you have no knowledge of the agreement we'd ask you to contact Omni Capital so they can investigate further.
There are two types of agreement and you need to check which one you have as it can impact what rights you have in the event things go wrong.
At the top of the Credit Agreement Document, the agreement will either confirm it is a Regulated Credit Agreement under the Consumer Credit Act, or it will state a Fixed Sum Loan Agreement.
If your credit request is for a loan under 12 months, and/or interest free then your loan will not be regulated under the Consumer Credit Act. If you would like further information about your rights under unregulated agreements please contact the Citizens Advice Bureau and they'll be able to give you advice on what steps you can take against your retailer.
If you'd like to make a claim please call Omni Capital on 0333 240 8317 or send an email to email@example.com. Please have any supporting documentation to hand when making a call or attach these to your email. This will help Omni Capital when trying to assist you. Please note that you're required to maintain your monthly payments while Omni Capital investigate your claim.
To find out if your loan is regulated, if the credit request is for a loan under 12 months, and/or interest free then your loan will not be regulated under the Consumer Credit Act. If you'd like further information about your rights under unregulated agreements please contact the Citizens Advice Bureau and they'll be able to give you advice on what steps you can take against your retailer.
This is not a problem under Omni Capital's lending policy but it should be noted that as the signatory of the credit agreement you're responsible for maintaining payments and not the person who is in receipt of the treatment. The name of the signatory on the credit agreement is unable to be transferred and Omni Capital are similarly unable to set up Direct Debits under the name of a third party and this must be under the name of the signatory on the credit agreement. If you're unwilling to continue paying, then please call Omni Capital on 0333 240 8317 to discuss how to set up other payment options. Any missed payments will affect your credit file.
Please be assured that you'll be updated as soon as Omni Capital have one available on the investigation of your complaint. Under Financial Conduct Authority (FCA) guidelines, Omni Capital have eight weeks to respond to your complaint though they anticipate that a resolution will be found much sooner than this.
While a complaint is open on your account you're still liable to maintain payments. Any missed payments will impact your credit file. In the event that a refund is necessary as part of the resolution of your complaint, then these funds will be refunded to you. To help Omni Capital assist with setting up a payment plan to remove these arrears please call 0333 240 8317.
11 February 2020
04 February 2020
The Paterson Independent Inquiry published its final report on 4 February 2020.