The Financial Conduct Authority is the independent regulator of financial services. The Financial Conduct Authority require us to provide you with a document called an 'Initial Disclosure Document'. This document provides information about us, the products we offer, the services we will provide, what we charge for our services, who regulates us, what to do if you have a complaint and details about the Financial Services Compensation Scheme.
Colm Lindsay Cars Newry, a dealership acting as a credit broker in arranging finance for vehicle transactions.
Our address is Unit 4, Greenbank Industrial Estate, Warrenpoint Rd, Newry, Down, BT34 2QX. Registered in Northern Ireland. Company registration no. NI051455
Yes, we are authorised and regulated for credit-broking activities by the Financial Conduct Authority (“FCA”). We are not a lender. Our FCA Firm Reference Number is 533793. For more information please visit the FCA website at: https://register.fca.org.uk. Please note that business customers may not be protected under the Consumer Credit Act 1974 or FCA rules.
We can introduce you (whether directly or through a specialist credit broker) to a number of finance companies (“funders”) who may be able to finance your transaction. There are other funders to which we cannot introduce you which may also be able to offer you finance.
We will provide you with information and explanations about the fiance products that may be available to you and, where we recommend a product to you, we will ensure that this is based on the information you give us about your needs and circumstances so that it is suitable for you. Finance is arranged subject to status and terms and conditions. We cannot guarantee that we will be able to secure finance for you.
We are not independent financial advisers and so are unable to provide you with independent financial advice. We are, however, independent of the funders and brokers we work with.
As a Financial Conduct Authority regulated credit broker we can introduce you to a range of lenders who may be able to help you finance your vehicle and provide other products/services.
No, you make no payment to us.
But a funder or broker we work with may pay us for introducing you to them. Different funders / brokers may pay us different amounts. We will tell you how much we will be paid if you ask.
We will use your information to obtain quotes from funders and brokers to process finance applications through them and we and / or they may also conduct a search of your record held with one or more credit reference agencies. Credit checks may as a result appear on your credit file lodged by organisations with whom you have not dealt directly. The personal information collected will also be shared with fraud prevention agencies who will use it to prevent fraud and money laundering and to verify your identity. If fraud is detected you could be refused certain services, finance, or employment.
Colm Lindsay Cars Newry is authorised and regulated by the Financial Conduct Authority. Our firms reference number is 533793
You can verify this on the Financial Conduct Authority's Register by visiting the Financial Conduct Authority's website: https://register.fca.org.uk/ or by contacting them on 0300 500 8082.
Please note that Colm Lindsay Cars Newry is a credit broker and not a lender.
Other services we offer may not be regulated by the Financial Conduct Authority, however the Financial Ombudsman Services has now been extended to handle some complaints under the Consumer Credit Act.
Please visit our complaints procedure page.