The Financial Conduct Authority (FCA)
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. Please use this information to decide if our services are right for you.
Whose Products Do We Offer?
Should you require finance to assist with the purchase of a vehicle, we can introduce you to a limited number of lenders and finance products. If you request it, we can provide a list of lenders we work with.
Which Services Will We Provide You With?
We will review and suggest suitable finance products for you after we have assessed your needs. You are not obliged to accept our recommendation.
What Will You Have To Pay Us For Our Services?
No fee is payable by you for our services. We are a credit broker and not a lender.
We can introduce you to a limited number of lenders and their finance products. We are not an independent financial advisor.
We do not charge you a fee for our services. We will typically receive a commission from the lender, as either a fixed fee or a fixed percentage on the amount you borrow.
Who Regulates Us?
We are authorised and regulated by the Financial Conduct Authority as a principal firm.
Our permitted business is to act as a broker for consumer finance You can check this on the FCA register by visiting the FCA website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768 or 0300 500 8082
What To Do If You Have A Complaint
If you wish to register a complaint, please contact us as follows
By e-mail - firstname.lastname@example.org
In writing – FCA Compliance Manager, Charles Warner Ltd, Outer Circle Road, Lincoln, LN2 4LD
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.
Are We Covered By The Financial Services Compensation Scheme (FSCS)
We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Further information about compensation schemes is available from FSCS.