Initial Disclosure Document: Financial Conduct Authority Registered number 303948

The Financial Conduct Authority (FCA) is the independent authority that regulates financial services. Use the information below to decide if our services are suitable and meet your needs.

We are Halesowen Motor House part of Worcester Carsales Limited, T Wall Garages, High Street, Pensnett, Kingswinford, DY6 8XB who are authorised and regulated by the Financial Conduct Authority for the purposes of credit broking. You can check this by visiting register.fca.org.uk using our Firm Registration number 303948. We are a motor finance dealer and a credit broker.

It is a requirement of the Financial Conduct Authority that all finance and insurance products offered are correctly explained to you to ensure that, in all instances, they meet your needs and circumstances and that you are treated fairly. We are not providing you with independent financial advice and are not impartial therefore we do not act on your behalf. The final decision as to whether to enter into any agreement is
yours. Your options, with regards to product suitability, will be based on the information you give us. In order to facilitate this please let us know if there is anything that we can do to aid any communication, access or support needs. Your data will be used in accordance with our Privacy Notice which is available on our https://www.halesowenmotorhouse.co.uk/privacy-policy

We are a credit broker and not a lender. We offer a limited number of optional finance products from leading lenders but there may be other equally or more suitable products on the open market. We have business arrangements with these lenders, for whom we act as an agent, which could include preferential terms such as a requirement to submit an application to them first. Our finance products vary but may include Hire
Purchase, Conditional Sale, Fixed Sum Loan (Personal Loan), Personal Contract Hire (PCH) and Personal Contract Purchase (PCP). In some instances, we use the services of an external credit broker to secure finance for you who may also charge you a commission. We will provide you details of our lenders and / or our credit broker partners on request. With your consent we will submit a finance application to a lender who will carry out a credit check and an affordability assessment.

We typically receive commission from lenders we introduce you to. Either a fixed fee or a fixed percentage of the amount you borrow. Our commitment to you is to ensure you have a clear understanding of how our compensation works and we will disclose the commission we receive. We do not charge you a fee for our services, however, there may be contractual fees and charges associated with the products you decide
to purchase. These will be included in any documentation relating to these products. Please read all documentation carefully. If you have any questions please ask us and we are required to answer.

Complaints Procedure:
If you wish to register a complaint, please contact us;

• In writing to the General Manager,  Halesowen Motor House, Dudley Road, Halesowen, West Midlands B63 3NH 
• By phone to the General Manager, 0121 503 0001 

A copy of our full complaints procedure is available on request. If you cannot settle your complaint with us, you may contact the Financial Ombudsman Services free of charge at www.financial-ombudsman.org.uk within six months of receiving our final outcome letter.

Please note that finance products and our credit broking activities are not covered by the Financial Services Compensation Scheme.