Finance

WE OFFER FINANCE WITH  MOTONOVO,  FIRST RESPONSE, CARFINANCE 247 AND ZUTO THIS IS A QUICK AND EASY ONLINE PROCESS  A DEPOSIT IS NOT ALWAYS NECESSARY WITH A DECISION OF ACCEPTANCE MADE WITHIN 30 MINS AT COMPETITIVE RATES

Initial Disclosure Document

 

The Financial Conduct Authority (FCA) is the independent regulator of financial services. Use this information to decide if our services are right for you. CL CARS 77 BOUNDARY LANE ST. LEONARDS RINGWOOD. BH24 2SF. - UNITED KINGDOM is authorised and regulated by the Financial Conduct Authority (our registration number is 710936 as a credit broker and is included on the Financial Services Register https://register.fca.org.uk)

 

Initial Disclosure Document - Consumer Credit

Your Finance Options 

As an FCA-regulated credit broker we can introduce you to a selected group of lenders (a list is available on request) who may be able to help you finance your purchase. This group of lenders provides us with a range of products which may be suitable for your purchase. We will explain the key features of those products to you. We are a credit broker and not a lender. We can introduce you to a limited number of lenders and their finance products which may have different interest rates and charges. We are not an independent financial advisor. We will provide details of products available from the lenders we work with, but no advice or recommendation will be made. You must decide whether the finance product is right for you. We do not charge you a fee for our services. Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow). The lenders we work with could pay commission at different rates. However, the amount of commission we receive from a lender does not have an effect on the amount you pay to that lender under your credit agreement.

We are a credit broker and not a lender. We can introduce you to a limited number of lenders and their finance products which may have different interest rates and charges. We are not an independent financial advisor. We will provide details of products available from the lenders we work with, but no advice or recommendation will be made. You must decide whether the finance product is right for you. We do not charge you a fee for our services. Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow). The lenders we work with could pay commission at different rates. However, the amount of commission we receive from a lender does not have an effect on the amount you pay to that lender under your credit agreement.

We have taken steps to ensure that if, while advising you, we make a recommendation; such recommendation will be suitable for your demands and needs at the time the recommendation is made. In assessing your demands and needs we may seek such information about your personal circumstances and objectives as might be relevant to enable us to identify your requirements. It is important that you provide us with accurate and relevant information. 

We always aim to provide a first-class service, however if you have any cause for complaint any enquiry can be raised by contacting us using the address and telephone number below. Should you remain dissatisfied, you have the right to ask the Financial Ombudsman Service to review your case. You should write to the Financial Ombudsman Service: Financial Ombudsman Service, Exchange Tower, London, E14 9SR.

As an organisation we are committed to treating our customers fairly, before, during and after a sale. 

Before the sale you can expect:

To have any significant and unusual exclusions or exceptions relating to the finance agreement brought to your attention

A clear statement of price, including where applicable a breakdown of any interest charges

Details of your cancellation rights and our complaints procedure

Copies of your finance agreement documentation or information as to when these documents will be dispatched

After the sale you can expect: 

Not to encounter any barriers to cancelling your finance agreement within regulatory agreed timeframes

To have any complaint dealt with in a timely and professional manner 

 

If at any time you feel you have not been treated fairly by any member of our staff, please contact us by writing to CL CARS 77 BOUNDARY LANE ST. LEONARDS RINGWOOD BH24 2SF or by telephone 01202 896009

Confidentiality and Data Protection 

Your information will only be disclosed/provided to third parties for the purposes of providing, arranging, administering, and renewing finance contract(s) and for the purposes of monitoring and/or enforcing compliance with regulatory rules/codes. For full details of where your information will be sent and the purpose of such data transfer, please ask us.