The Financial Conduct Authority (FCA)

The FCA is the independent watchdog that regulates financial services. This document is designed by the FCA to be given to consumers considering buying certain financial products. You need to read this important document. It explains the service you are being offered. Please use this information to decide if our services are right for you.

 

Who are we?

Kilgannon Motors Car Sales Ltd are a dealership acting as a credit broker in arranging finance for vehicle transaction.

Our address is Kilgannon Motors, Newmarket Garage, Falkirk Road, Bannockburn, Stirling, FK78JD.

Registered in Scotland, Company registration no. SC520133

 

Are we authorised to arrange finance for you?

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 731766. For more information please visit the FCA website https://register.fca.org.uk/s/ Please note that business customer may not be protected under the Consumer Cred Act 1974 or FCA rules.

 

What can we do to help finance you vehicle?

We can introduce you (whether direct or through a specialist credit broker) to a number of finance companies ("Lenders") who may be able to finance your transaction. There are other funder 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 finance products that may be available to you and, where we recommend a product to you, we willensudre that this is based on the information you give us about your needs and circumstances so that it is suitable for you. Finance is arrange subject to status and terms and conditions, We cannot guarantee that we will be able to secure finance for you.

 

What will you have to pay us for our services?

No fee is payable by you for our services. A lender may pay us for introducing you if you go ahead and take finance from them for the purchase of your vehicle.

At present we do not offer any insurance products.

We are not Independent Financial Advisers and so are unable to provide you with independent financial advice. There are also other sources of finance which you may wish to investigate.

 

How will we use your information?

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 coduct a searchof your record held with one or more credit reference agencies. Credit check may as a result appear on your credit file logged by organisations with whom you have not dealt directly. The personal inforamtion colleceted will also be sharted with fraud prevention agencies who will use it to prevent raud and meney laundering and to verify your identity. If fraud is deteceted you be refgused certain services, finance or employment.

Further details of how your information will be used by us, a full data protection notice/privacy policy will be provided to you before we submit any application for finance on your behalf.

 

What to do if you have a complaint?

If you wish to register a complaint, please contact us as follows

By e-mail - kilgannon.motors@gmail.com

In writing - FCA Compliance Manager

Kilgannon Motors Car Sales Ltd

Newmarket Garage

Falkirk Road

Bannockburn

Stirling, FK7 8 JD

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.