The Financial Conduct Authority (FCA) is the independent regulator of financial services. The FCA require us to provide you with an Initial Disclosure Document to help you decide if our services are right for you. This document provides information about U.K. Carline Limited, the products we offer, the services we will provide, what we charge for our services, who regulates us, what to do if you have a complaint, and details about the Financial Services Compensation Scheme.
U.K. Carline Limited is authorised and regulated by the Financial Conduct Authority. Our Financial Conduct Authority Firm Reference number is 657006. Our permitted business is credit broking.
U.K. Carline Limited is a credit broker and not a lender.
You can check this in the Financial Conduct Authority's register by visiting the Financial Conduct Authority's website https://register.fca.org.uk/s/ or by contacting the Financial Conduct Authority on 0800 111 6768.
As a Financial Conduct Authority regulated credit broker, we may introduce you to a range of finance providers who may be able to help you finance your vehicle and provide other products/services such as service and maintenance packages.
We will only offer products from a carefully selected panel of finance providers. We will not refer you outside of this panel of providers without your consent. You can ask us for a full list of the suppliers who provide our finance and insurance products. All our products are optional.
We may receive a commission or other benefits from one of our finance providers should you decide to enter into an agreement with them as a result of our introduction or, from another credit broker to whom we refer you should we be unable to arrange funding for you. This is reflected in the monthly lease rate that you pay for your vehicle. The amount of commission received may vary depending on the funder selected, the terms of the funding and other criteria, such as achieving high levels of customer service. Some funders may also pay us an additional commission based on achieving certain key performance indicators. If you would like further information on the disclosure of commissions, please email firstname.lastname@example.org
We will provide you with either comparable details of firms most appropriate to your funding requirements, or general information relating to finance products.
To assist us 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.
U.K. Carline Limited charge a fee for our credit broking services.
Processing Fee:- We charge a processing fee of £195.00 exclusive VAT for our services. The processing fee is the broker fee charged by U.K. Carline Limited for our services and represents the costs incurred for arranging the sale, ordering the vehicle, and arranging the finance. The processing fee is payable by debit or credit card or by BACs payment and is taken once finance approval has been received, along with all relevant paperwork signed by yourself instructing us to place an order on your behalf.
Administration Fee:- For certain agreements, we may also charge an additional administration fee for our services. The administration fee represents the fee taken by U.K. Carline Limited for the arrangement of the agreement. The administration fee is payable by debit or credit card or by BACs payment and is taken once finance approval has been received, along with all relevant paperwork signed by yourself instructing us to place an order on your behalf.
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.
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 FCA firm reference numbers are available on request. Any organisation approached to arrange credit will need to undertake credit search with a credit reference agency which may affect your credit rating. All our calls are recorded for training and monitoring purposes.
As an organisation we are committed to treating our customers fairly before, during, and after a sale. We work hard to ensure that the services we offer are fair and our communication to our customers is clear and not misleading.
Before the sale you can expect:
After the sale you can expect:
If at any time you feel you have not been treated fairly by any member of our team, please contact us:
In Writing - Customer Resolutions, U.K. Carline Limited, Sunnybank House, Bilsborrow Lane, Bilsborrow. Preston. Lancashire. PR3 0RN
By Telephone - 01995 641111
By Email - email@example.com
To help us resolve your complaint quickly, please provide the following information
A full copy of our complaint's procedure is also available here.
The Financial Services Compensation Scheme (FSCS)
You may also be entitled to compensation from the Scheme if we are unable to meet our obligations. This depends on the type of business and the circumstances of the claim.
Further information about the compensation scheme is available from the FSCS