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Initial Disclosure

Dear Customer
Please read the following document in addition to your pre-contract information and SECCI. You should consider the information given in all documents before signing your finance agreement.
Financing your purchase – Frequently Asked Questions

Who Are We?

Herts Automotive LTD Company registration number - 11049799. Our registered address is Sanville Gardens, Stanstead Abbotts, Ware, SG12 8GA

What can we do to help finance your purchase?

We are authorised and regulated by the Financial Conduct Authority for credit brokerage. Our FCA number is 911963 Herts Automotive is a credit broker, not a lender. We can introduce you to a limited group of carefully selected credit providers who may be able to offer you finance for your purchase. Each credit provider may have different interest rates and charges. We do not charge you a fee for our services.

Rates will be either fixed based on the lender or based on your credit score. Credit score-based rates are pre-set but are also linked to your individual credit rating. Typically, the higher your credit score, the lower the APR you will receive from a credit provider. Fixed rates are determined by our contractual agreements and we cannot change this rate.

We are only able to offer a range of finance products from these providers, which may be suitable for you and we will explain the key features of these products to you. We will receive payment from the credit provider for introducing you to them. The amount of commission received could vary by credit provider, which may be a higher amount in relation to certain products compared with other products available. The credit providers we work with will pay commission at different rates. However, the amount of commission that we receive does not have an effect on the amount that you pay to the lender under your credit agreement.

Can we give you independent financial advice?

We are NOT independent financial advisors and are unable to give you independent financial advice. We will provide details of the products available from the credit providers that we work with, but no advice or recommendation will be made. You must decide whether the finance product is right for you.

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 Services Department, Unit 4 Little Laver Grange, Matching Green, Essex, CM17 0RL or by telephoning us on 01920 745341
You have the right to refer any unresolved complaint to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR.
Web: www.financial-ombudsman.org.uk
Telephone: 020 7964 1000
Fax: 020 7964 1001
Email: complaint.info@financial-ombudsman.org.uk

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Representative Example [HP]

An OTR Cash Price of £9,999.00 with a deposit of £999.90 leaving an amount of credit of £8,999.10. The agreement is resulting a Representative 8.9% APR and a total amount payable of £12,092.50. Payments are based on a duration of agreement of 60 months, with a first monthly payment of £ 184.86, regular monthly payment of £184.86 and a final monthly payment of £185.86.

Contact Details

Unit 4
Little Laver Grange
Matching Green
Harlow
Essex
CM17 0RL 01920 745341

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