Initial Disclosure

Initial Disclosure

1. The Financial Conduct Authority (FCA)

The FCA is the independent regulator of financial services. This document is given to customers considering buying certain financial products and forms part of our Sales Agreement. You need to read this important document as it explains the service we offer.

2. What products do we offer, and from whom?

Consumer Credit - Hire Purchase, PCP, Personal Loan

We only offer products from a limited number of lenders

3. Which Lender will we introduce you to?

We will advise and make a recommendation for you after we have assessed your needs.

4. What will you have to pay us for our services?

No Fee

You will receive documentation from the lender before proceeding with any financial product which will tell you about fees relating to it.

We do not charge fees for our services however, we may be paid a commission for introducing you to our selective group of lenders (either a fixed fee or a fixed percentage of the amount you borrow), which is determined by the lender. This will not affect the amount you pay.

5. Who regulates us?

Ferguson Cars Limited t/a Pine Lodge Cars Limited are authorised and regulated by the Financial Conduct Authority, FRN: 769936. You can check this on the Financial Services Register by visiting the FCA's website at register.fca.org.uk. All finance is subject to status. Terms and conditions will apply. Applicants must be 18 years or over. We act as a credit broker and not a lender. Fergusons Cars Limited t/a Pine Lodge Cars Limited is registered with the Information Commissioners Office under number: ZA348525

6. What to do if you have a complaint

If you wish to register a complaint, please contact us:

In writing: Pine Lodge Cars Limited, London Road, Higher Heath, Whitchurch, Shropshire, SY13-2JA

By email: [email protected]

By telephone: 01948-841626