Status Disclosure

The Financial Conduct Authority is the independent watchdog that regulates financial services. It requires us to give you this document to help you decide if our services are right for you

Vehicle Trade Centre Ltd whose registered address is Irvine Road Kilwinning, KA13 7NG and is authorised for consumer credit activities as described in the FCA's Register. Our Firm's Reference Number (FRN) is 778010.

About our Finance Services

We are a credit broker and not a lender. We can introduce you to a limited number of lenders and their finance products. We are not independent financial advisors; we will provide details of products available, but no advice or recommendation will be made. The finance you're offered may cost you more than you could find elsewhere using other lenders' products or services. You must decide whether the finance product is right for you.

We do not charge you a fee for our services. Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow) to compensate us for our credit broking services, introducing you to our finance products and services, and helping you with the application and arrangement process.

COMMISSION: For your reassurance, the lenders we work with could pay commission at different rates, but the commission we receive does not influence the interest rate you will pay. This payment is made to us directly from the lender.

You will receive written Disclosure of Commissions in Relation to Your Finance Agreement, providing the full details of any commission paid which is included in the overall cost of your finance.

Customer Care, Dispute Resolution and Complaints

We work hard to ensure that the finance services we offer are fair and that our communication to our customers is clear, fair and not misleading.

However, if you are unhappy with the service we offer please contact:

Complaints Manager, Vehicle Trade Centre Ltd, Irvine Road, Kilwinning, KA13 7NJ Telephone No01294 559797

We will answer any complaints as quickly as possible but always within eight weeks.

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. For further information visit www.financial-ombudsman.org.uk