IMPORTANT PLEASE READ
 
Initial Disclosure Document
 
Please read the following document in addition to your pre-contract information. You should consider the
information given in all documents before signing your finance agreement.
Financing your purchase – Frequently Asked Questions
 
Who Are We?
Carhill Cars ltd. Company registration number – NI603073. Website: www.carhillcars.com
Our registered address is 54 Carhill Road, Garvagh, Co.Derry, N.Ireland, BT515PF
What can we do to help finance your purchase?
We are authorised and regulated by the Financial Conduct Authority for credit brokerage, our FCA number is 661640.
Carhill Cars ltd is a credit broker, not a lender. We can introduce you to a limited group of carefully
selected credit providers who may be able to offer you finance for your purchase. Each credit provider
may have different interest rates and charges. We do not charge you a fee for our services.
Rates will be either fixed based on the lender or based on your credit score. Credit score-based rates are pre-set, but
are also linked to your individual credit rating. Typically, the higher your credit score, the lower the APR you will
receive from a credit provider. Fixed rates are determined by our contractual agreements and we cannot change this
rate.
We are only able to offer a range of finance products from these providers, which may be suitable for you and we will
explain the key features of these products to you. We will receive payment from the credit provider for introducing
you to them. The amount of commission received could vary by credit provider, which may be a higher amount in
relation to certain products compared with other products available. The credit providers we work with will pay
commission at different rates. However, the amount of commission that we receive does not have an effect on the
amount that you pay to the lender under your credit agreement. If you ask us we will tell you how much commission
will be received.
Can we give you independent financial advice?
We are NOT independent financial advisors and are unable to give you independent financial advice. We will provide
details of the products available from the credit providers that we work with, but no advice or recommendation will
be made. You must decide whether the finance product is right for you.
Using your personal data
Please read our Privacy Notice as your personal data you provide is being processed by the funders we use for
finance.
What can you do if you wish to complain about our services?
If you wish to make a complaint, please contact us in the first instance by writing to us at Carhill Cars Ltd, 54 Carhill
Road, BT515PF or by telephoning us on (028) 29558711. We aim to respond within 72 hours and will write to you
with our final response within 2 weeks. Should you remain dissatisfied, you may have the right to refer any
complaint to the Financial Ombudsman Service for review. Please note this service may not be available to business
customers.
Financial Conduct Authority, South Quay Plaza, 183 Marsh Wall, London, E14 9SR.
Web: https://www.financial-ombudsman.org.uk Telephone: 020 7964 1000
Fax: 020 7964 1001 Email: complaint.info@financial-ombudsman.org.uk

Finance Terms and Conditions: Carhill Cars is authorised and regulated by the Financial Conduct Authority under authorisation number 661640. We act as a credit broker and not a lender. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. We are only able to offer finance products from these providers. Other offers may be available but cannot be used in conjunction with this offer. A written quotation can be provided on request.

This is not a commitment to lend and applications are subject to approval. All finance is subject to status and income. This indicative quotation is subject to change and final figures will be provided on approval and prior to signing the agreement. Fees shown are already accounted for within the payments displayed and are also included within the total amount payable.

Commissions Disclosure: Carhill Cars confirm the existence of commissions payable within our business (either a fixed fee or a fixed percentage of the amount you borrow). We receive commission, fees and financial remuneration for the services and products we provide and sell. The lenders we work with could pay commission at different rates. However, the amount of commission we receive from a lender does not have an effect on the amount you pay to that lender under your credit agreement.

We disclose the existence of commission and upon request, the amount of any commissions payable for transparency with our customers. We do this to ensure that the customer's decision to purchase one of our products or services is fully informed. The amount of commissions payable to any credit broker may materially influence the customer's decision to enter into the credit agreement or not. We provide commission disclosures before customers enter into any credit agreement so that our customers can rest assured that the product or service recommended to them is not based on the financial payment the broker stands to gain out of the agreement.

We are required to disclose, in good time before a credit agreement is made, the existence of commissions payable within our business. We will also disclose to you the commission model that our business relies on so you may confirm it is not discretionary. When you request it, we will disclose the amount of commissions payable. You can submit a request for a commission disclosure at any time. Our details are;

Address: Carhill Cars, 54 Carhill Road Garvagh, BT515PF

Phone: 00447912407600

Privacy Policy
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Used cars GARVAGH, Used Car Dealer in County Derry / Londonderry | Carhill Cars Used cars GARVAGH, Used Car Dealer in County Derry / Londonderry | Carhill Cars 00447912407600 Derry / Londonderry Garvagh Garvagh 54 Carhill Road 54.970605 -6.6913305