Initial Disclosure Document
U.K. Carline Limited who also trades as RMi Contract Hire Division and RMi Courtesy Cars is authorised and regulated by the Financial Conduct Authority. Our Financial Conduct Authority Firm Reference number is 657006. Our permitted business is credit broking.
You can check this in the Financial Conduct Authority's register by visiting the Financial Conduct Authority's website www.fca.org.uk, or by contacting the Financial Conduct Authority on 0800 111 6768.
Consumer Credit Services
The Financial Conduct Authority (FCA)
The Financial Conduct Authority (FCA) is the independent regulator of financial services. Use this information to decide if our services are right for you. U.K. Carline Limited is authorised and regulated by the Financial Conduct Authority (our registration number is 657006) and is permitted to advise on and arrange consumer credit contracts.
Whose Consumer Credit do we offer?
As a Financial Conduct Authority regulated credit broker we can introduce you to a select panel of lenders (please follow this link for details of our lenders) who may be able to help you finance your vehicle. This group of lenders provides us with a range of products which may be suitable for your purchase or lease (please follow this link for details on the products we offer). We will explain the key features of each product to you.
Which service will we provide you with?
We will take steps to ensure that, in the course of advising you, we will only make a recommendation that will be suitable for your demands and needs at the time that the recommendation is made.
In assessing your demands and needs we may seek information about your personal circumstances and objectives which may be relevant, in order to enable us to identify your requirements. It is important that you provide us with accurate and relevant information.
What will you have to pay us for our services?
We do not charge fees for our Consumer Credit services. However, some of our lenders may charge an administration fee to set up your agreement. We may receive a commission or other benefits from finance providers should you decide to enter into an agreement with the finance provider that we have introduced you to.
Confidentiality & Data Protection
As part of the process of obtaining finance for your vehicle we will need to pass your details on to one or more of our finance partners. A list of these partners together with their consumer credit licence numbers are available on request. Any organisation approached for credit will need to undertake credit search with a credit reference agency which may affect your credit rating.
What to do if you have a complaint
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 to the policy 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 policy 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 policy 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 at the address of telephone number above.
If you have any questions or queries, please contact our team on 01995 641111 or email firstname.lastname@example.org who will be happy to help.
We will try to resolve your complaint immediately or within the same day, however, sometimes this may not be possible as we may need to investigate further by contacting suppliers or listening to recorded telephone conversations which can be time consuming. If we are unable to resolve your complaint by the end of the next working business day we will keep you informed of the progress of our investigations and give you a final response in writing with our findings and the action, you need to take.
If you have any questions regarding our complaints procedure you can contact our general manager who will be happy to help you.
UK Carline Ltd.
Tel: 01995 641111
If you have a regulated contract or you are a micro enterprise (1-9 employees) with one of our panel of funders and you are not satisfied with our final response, you may be eligible to refer the matter to the Financial Ombudsman Service. Other customers can take their complaint to the BVRLA conciliation service. Both contact details are below:
Financial Ombudsman Service
Tel: 0800 0234567