if the time and method of communication were not previously agreed by the recipient:
checks that the recipient wishes them to proceed;
terminates the communication if the recipient does not wish them to proceed (but may ask for another appointment);
recognises and respects, promptly, the right of the recipient to:
end the communication at any time;
refuse any request for another appointment;
gives any person with whom they arrange an appointment a contact point;
In MCOB 3A.4.1R (4)(a) an unsocial hour usually means on a Sunday or before 9am or after 9pm on any other day. It could also mean other days of the week or other times if the firm knows that a particular customer would not wish to be called on that day or at that time for reasons of, for example, religious faith or night shift working.
The requirements of MCOB 3A.4.1 R and MCOB 3A.4.2 G do not prevent, for example, a telephone call centre which has received a call from a customer at an hour generally regarded as unsocial, either responding to that call or asking during the call if the customer would like details of other qualifying credit.
Most of the rules in this chapter apply when a firm approves a financial promotion of qualifying credit in the same way as when a firm communicates a financial promotion of qualifying credit itself. Therefore, a firm has a similar responsibility for a financial promotion of qualifying credit that it approves, as for one that it communicates.
If an approval is limited under MCOB 3A.4.6 R, and an unauthorised person communicates the financial promotion to persons not covered by the approval, the unauthorised person may commit an offence under section 21(1) of the Act (Restrictions on financial promotion). A firm giving a limited approval may wish to advise the unauthorised person accordingly.
the extent and level to which the compensation scheme will be available or, if the scheme will not be available, a statement to that effect; and
if the communicator wishes, the protection or compensation available under another system of regulation; and