Finance

We have a range of attractive and competitive finance deals that can be tailored to suit, you, your budget & your circumstances.  In most cases our customers can drive - away within the hour.  Give us a call today on 028 686 21630 and allow us to have your finance pre approved

Finance Questions & STATUS DISCLOSURE
 
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.

WHOSE PRODUCTS DO WE OFFER?

Should you require finance to assist with the purchase of a vehicle, we can introduce you to a limited number of brokers/lenders and finance products. If you request it, we can provide a list of lenders we work with.

WHICH SERVICES WILL WE PROVIDE YOU WITH?

We will advise and make a recommendation for you from the finance products we offer, after we have assessed your needs.

WHAT WILL YOU HAVE TO PAY US FOR OUR SERVICES?
No fee is payable by you for our services. A lender will pay us for introducing you if you go ahead and take finance from them for the purchase of your vehicle.

WHO REGULATES US?

All www.carzoneni.co.uk Ltd T/a Carzoneni  legal entities are authorised and regulated by the Financial Conduct Authority (FCA No 631730) either as a principal or an appointed representative. Your document if you enquire on a vehicle will confirm which legal entity you are dealing with.

Our permitted business is to act as a broker for consumer finance.

You can check this on the FCA register by visiting the FCA website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768 or 0300 500 8082
 
OWNERSHIP

All www.carzoneni.co.uk Ltd T/a Carzoneni  legal entities are subsidiaries of: , www.carzoneni.co.uk Ltd T/a Carzoneni 35 Mill Street Irvinestown, Co. Fermanagh, BT94 1GR.
 
WHAT TO DO IF YOU HAVE A COMPLAINT

If you wish to register a complaint, please contact us as follows
By e-mail – gareth@carzoneni.co.uk
In writing -
FCA Compliance Manager
Carzoneni
35 Mill Street
Irvinestown
Co. Fermanagh
BT94 1GR

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. https://www.financial-ombudsman.org.uk/
 
Carzoneni
35 Mill Street
Irvinestown
Co. Fermanagh
BT94 1GR
www.carzoneni.co.uk
02868621630

Finance Terms and Conditions: Carzone NI is authorised and regulated by the Financial Conduct Authority under authorisation number 485969. 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: Carzone NI 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: Carzone NI, 35 Mill Street Irvinestown, BT94 1GR

Phone: 028 6862 1630

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