Initial Disclosure
Thomas Jobson T/A Specialist Car Finder
2 Old Mill Lane,
Aylesford,
Kent,
ME20 7DT
About our Finance & Insurance Services
1. The Financial Conduct Authority (FCA)
We are required by the Financial Conduct Authority (FCA), who regulates the financial services industry, of which we are part of, to provide you with an Initial Disclosure Document (IDD) to enable you to decide whether the products and services meet your needs.
2. Whose products do we offer?
We act as a credit broker and not a lender and therefore we are only able to introduce you to a limited number of finance lenders that we have carefully selected. We are not an independent financial adviser so we are unable to provide you with independent financial advice.
We only offer products from a limited number of motor finance lenders for Hire Purchase, Conditional Sale, Lease Purchase and Personal Contract Purchase. You can ask us for a full list of motor finance lenders and brokers that we offer finance products from.
3. Which service will we provide you with?
After we have assessed your needs for financing the vehicle you have purchased from our dealership, we will provide you with quotations and information on a product or selection on of products. We may ask you some questions to narrow down the selection of options that we will provide details on. We will make you aware of the advantages, drawbacks and limitations of the appropriate options to help you make the best decision for your circumstances. You will then need to make your own choice about how to proceed.
4. What will you have to pay us for our services?
We do not charge a fee to use our services. You will receive a quotation which will tell you about the costs of each of the products and any other fees relating to any particular credit agreement or insurance policies. Please note that we typically receive commission or other benefits from the finance provider if you decide to enter into an agreement with them. You may ask us for details of such payments.
5. Who regulates us?
Thomas Jobson T/A Specialist Car Finder is authorised and regulated by the Financial Conduct Authority (FCA) for certain consumer credit activities, our FCA register number for these activities is 1037063. Our permitted business is Credit Broking for Consumer Hire of a vehicle, Debt Adjusting and Debt Counselling. You can check this on the FCA's register by visiting the FCA's website https://register.fca.org.uk/ or by contacting the FCA on 0800 111 6768.
6. What to do if you have a complaint
If you wish to register a complaint, please contact us In writing:
Thomas Jobson T/A Specialist Car Finder,
2 Old Mill Lane, Aylesford, Kent, ME20 7DT
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. See www.financial-ombudsman.org.uk for further information.
7. Credit Checks
We and other firms involved in arranging your finance (these may be finance companies and brokers) may use public and personal data from a variety of sources including credit reference agencies and other organisations. The information is used to help to ascertain the most appropriate payment options for you and to help prevent fraud. Any credit reference search will appear on your credit report whether or not your application proceeds. If you have any questions about this or any other matter, please do not hesitate to contact us.