Initial Disclosure Document - Consumer Credit
1. The Financial Conduct Authority
The FCA is the independent watchdog that regulates financial services. This document is designed by the FCA to be given to consumers considering buying certain financial products. You need to read this important document. It explains the service you are being offered and how you will pay for it.
2. Whose products do we offer?
We offer products from multiple finance providers, Moto Novo, Black Horse, Close Brothers Finance, Blue Motor Finance and Evolution Funding. We also offer warranty products from Auto Protect Ltd and Jewelultra.
3. What service will we provide you with?
We will present the following finance products. Hire Purchase – Credit Sale – Personal Contract Purchase – Personal Loan. Credit reference searches will be conducted by lenders in order to establish your credit worthiness. Additional information may be required and lenders may on occasions contact employers as part of their checks. Alternative terms may be offered. We do not charge fees for our Consumer Credit services. We will receive a commission payment or other benefits from finance providers should you decide to enter into an agreement with the finance provider – as either a fixed fee or a fixed percentage of the amount you borrow. It is important that you provide us with accurate and relevant information.
4. What will you have to pay us for this service?
There is no fee for the presentation of any credit agreement.
5. Who Regulates Us?
Gold Vehicles Ltd, 47, Unit 6, Grace Road West, Marsh Barton, Exeter, EX28PU is authorised and regulated by the FCA. Our FCA Register number is 912171. You can check this on the FCA’s Register by visiting the FCA’s website: www.fca.gov.uk/register/ or by contacting the FCA by phone on 0845 606 1234.
6. What to do if you have a complaint?
If you wish to register a complaint, please contact us: In writing: Gold Vehicles Ltd, 47, Unit 6, Grace Road West, Marsh Barton, Exeter, EX28PU By phone: 01392 323344. If you cannot settle your complaint with us, you should write to the Financial Ombudsman Service: Financial Ombudsman Service, Exchange Tower, London, E14 9SR.
7. 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.