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Finance Terms and Conditions: S Rafferty Car Sales Ltd is authorised and regulated by the Financial Conduct Authority under authorisation number 703536. 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: S Rafferty Car Sales Ltd 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: S Rafferty Car Sales Ltd, 6 Upper Dromore Road Warrenpoint, BT34 3PN
Phone: 02841 753434
Complaints: If you have any cause for complaint you can contact us in the first instance;
Address: S Rafferty Car Sales Ltd, 6 Upper Dromore Road, Warrenpoint, BT34 3PN
(T): 028 4175 3434
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. We aim to respond to you within 72 hours. If we cannot we will investigate then write to you within 8 weeks with a final response. If you have a finance complaint and you are dissatisfied with our response, you have the right to refer to the Financial Ombudsman Service, contact info below;
Address: Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London, E14 9SR.
(T): 0800 023 4567
(E): complaint.ino@financial-ombudsman.org.uk
(Website): https://www.financial-ombudsman.org.uk
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