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Initial Disclosure Document

FINANCING YOUR PURCHASE - FREQUENTLY ASKED QUESTIONS

Who are we?
SJ Approved Used Cars recognise that you always have a choice, and therefore we need to deliver an outstanding customer experience based upon an understanding of what our customer wants
Please read this document as it may help you decide if, in addition to the purchase of your vehicle, any of our products and/or services are right for you.
Address: Unit 6, Brookfield Road, Burbage, Hinckley LE10 2LL
Tel: 01455 271838
Email: sales@sjapprovedusedcars.co.uk
Website: www.sjapprovedusedcars.co.uk
SJ Approved Used Cars is directly authorised by the Financial Conduct Authority (FCA) for consumer credit activities. Our Firm Reference Number (FRN) is FCA no. 926990
You can check the above information on the FCA Register by visiting the FCA's website at www.fca.org.uk/register or by contacting the FCA contact centre on 0800 111 6768
The Financial Conduct Authority is the independent watchdog that regulates financial services. Use this information to decide if our services are right for you. All finance and insurance products are optional.


What can we do to help finance your purchase?
We are not an independent financial advisor and therefore, no advice or recommendation will be made. We will introduce you to a limited number of lenders and finance products who may be able to help finance your purchase. By providing us with your personal credit details, you will be giving us authority to submit a credit application on your behalf to our credit providers. We will only pass your details onto a subsequent credit provider if the initial application to the first credit provider is not successful. Please ask us for a list of finance products and the lenders we use.
The lender does pay us a commission for introducing you to them once the deal is live.
Insurance Products
We can introduce you to a limited number of insurers and products. Please ask us for a list of insurers we offer insurance from.
We will advise and make a recommendation for you after we have assessed your needs. In relation to the complimentary motor insurance, we will only assist in the introduction of this product (as the introducer)


Do you have to pay for our help?
No, you make no payment to us, however a lender may pay us commission for making an introduction of business, the commission will form part of your regular monthly payments and will accrue interest.


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;
Customer Service Manager, Unit 6, Brookfield Road, Burbage LE10 2LL
By Phone: 01455 271838 - By email; sales@sjapprovedusedcars.co.uk.com
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service, free of charge. Their website details are www.financial-ombudsman.org.uk. Time limits to refer your complaint to the Financial Ombudsman Service may apply.

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Representative Example [CS]

An OTR Cash Price of £9,490.00 with a deposit of £949.00 leaving an amount of credit of £8,541.00. The agreement is resulting a Representative 13.9% APR and a total amount payable of £12,634.40. Payments are based on a duration of agreement of 60 months, with a first monthly payment of £ 194.59, regular monthly payment of £194.59 and a final monthly payment of £204.59.

Contact Details

Unit 6
Brookfield road
Burbage
Hinckley
Leicestershire
LE10 2LL 01455271838 07393833415

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