Initial Disclosure Document
The Financial Conduct Authority (FCA) is the national independent regulator of financial services. The FCA legally require us to provide you with an ‘Initial Disclosure Document’. This document has a number of purposes, one of which is to ensure you are provided with essential information about us as a company, what we charge for our services, the products and services we offer and how we are regulated. It will also provide information on what you should do if you have a complaint and any details regarding the 'Financial Services Compensation Scheme'.
About mycarsolutions.co.uk, mycarsolutions.co.uk is a is a trading style of Management Schemes Limited and is both authorised and regulated by the Financial Conduct Authority (FCA) We provide broker services to customers and work with our finance partners, in order to find a suitable vehicle lease agreement for our customers.
The Products We Use
As an FCA regulated credit broker we are able to introduce you to a range of lenders who can help you finance your vehicle and provide any other products/services that you may require, including servicing and vehicle maintenance. We work with some of the UK’s most prominent and trusted finance providers, in order to help secure you the best and most appropriate agreement. Our finance providers will use third party credit reference agencies to make a credit decision. To carry on with the proposal is your acknowledgement and acceptance that you are happy with this process.
We will provide you with either comparable details of any firms most appropriate to your lending or purchasing needs or any other general information relating to finance products. In order to do this, we may seek personal information about your circumstances and objectives as might be relevant in order to enable us to identify your exact needs and establish a line of credit. It is always important that you provide us with accurate and relevant information so that we can try and find a product or agreement that is most suitable to you.
What Are The Costs For Our Services?
As an FCA licensed organisation, we rely purely on commission and administration fees. We do not charge for any of our other broker-related services. We also may receive payment from finance providers or lenders if you decide to enter into an agreement with us, these fees can be pre-set and often vary depending on the product and the volume that is placed with a particular supplier.
Who Regulates Us?
Mycarsolutions.co.uk is a trading style of Management Schemes Limited and is regulated by the FCA. You can verify this by checking the FCA Register on the website: http://www.fca.org.uk/register/ or contacting them on 0300 500 8082. Our firm reference number is 828208.
What Should I Do if I Have A Complaint?
If you are unsatisfied with the service we provided, for any reason, then please write to: Paul Phillipson, My Car Solutions, I Orchard Close, Walton Le Dale, Preston, Lancashire, PR5 4RG or email firstname.lastname@example.org. Should you not be safisfied with our final response then you are eligible to refer the matter to the Financial Onbudsman Service, you must do this within 6 months of our finanl response and we will provide you with a copy of the Financial Onbudsman services explaetary leaflet (for more information please see https://www.financial-ombudsman.org.uk/publications/ordering-leaflet)