Initial Disclosure Document
Car Leasing Network who also trade as "CLN" is authorised and regulated by the Financial Conduct Authority. Our Financial Conduct Authority Firm Reference number is 657006. Our permitted business is credit broking.
You can check this in the Financial Conduct Authority's register by visiting the Financial Conduct Authority's website www.fca.org.uk, or by contacting the Financial Conduct Authority on 0800 111 6768.
Consumer Credit Services
The Financial Conduct Authority (FCA)
The Financial Conduct Authority (FCA) is the independent regulator of financial services. Use this information to decide if our services are right for you. UK. Carline Limited is authorised and regulated by the Financial Conduct Authority (our registration number is 679289) and is permitted to advise on and arrange consumer credit contracts.
Whose Consumer Credit do we offer?
As a Financial Conduct Authority regulated credit broker we can introduce you to a select panel of lenders who may be able to help you finance your vehicle. This group of lenders provides us with a range of products which may be suitable for your purchase or your personal or business lease. We will explain the key features of each product to you.
Which service will we provide you with?
We will take steps to ensure that, in the course of advising you, we will only make a recommendation that will be suitable for your demands and needs at the time that the recommendation is made.
In assessing your demands and needs we may seek information about your personal circumstances and objectives which may be relevant, in order to enable us to identify your requirements. It is important that you provide us with accurate and relevant information.
What will you have to pay us for our services?
We charge a processing fee and finance document fee. The cost of both fees are available on request. Our process is fair and risk free as we NEVER ask for any money upfront. Our risk free process is as follows:
After our initial discussions & once we have agreed on the car, model, finance details, mileage etc, you will then:
Complete a credit proposal online.
Once credit has been agreed we will reserve the car or van (if it is a stock item) or provide you with an ETA (in the case of a factory order)
We will then send you our full order via e mail as well as our processing & finance document fee invoice.
If you are in agreement with everything on our order - you pay the invoice and we order / "tag" the car to you.
We may receive a commission or other benefits from finance providers and/or dealer groups, should you decide to enter into an agreement with the finance provider that we have introduced you to.
Confidentiality & Data Protection
As part of the process of obtaining finance for your vehicle we will need to pass your details on to one or more of our finance partners. A list of these partners together with their consumer credit licence numbers are available on request. Any organisation approached for credit will need to undertake credit search with a credit reference agency which may affect your credit rating.
What to do if you have a complaint
As an organisation we are committed to treating our customers fairly before, during, and after a sale.
Before the sale you can expect:
- To have any significant and unusual exclusions or exceptions to the policy brought to your attention
- A clear statement of price, including where applicable a breakdown of any interest charges.
- Details of your cancellation rights and our complaints procedure
- Copies of your policy documentation or information as to when these documents will be dispatched
After the sale you can expect:
- Not to encounter any barriers to cancelling your policy within regulatory agreed time frames
- To have any complaint dealt with in a timely and professional manner
If at any time you feel you have not been treated fairly by any member of our staff, please contact us at the address of telephone number above.
If you have any questions or queries, please contact our managing director - Conrad Kriel on 0333 123 0073 or email firstname.lastname@example.org - we will try to resolve your complaint immediately or within the same day, however, sometimes this may not be possible as we may need to investigate further by contacting suppliers or listening to recorded telephone conversations which can be time consuming. If we are unable to resolve your complaint by the end of the next working business day we will keep you informed of the progress of our investigations and give you a final response in writing with our findings and the action, you need to take.
If you have any questions regarding our complaints procedure you can contact our MD - Conrad Kriel who will be happy to help you.
Car Leasing Network.
Enterprise house, Boathouse Meadow Business Park,
Cherry Orchard Lane
Tel: 0333 123 0073
If you have a regulated contract or you are a micro enterprise (1-9 employees) with one of our panel of funders and you are not satisfied with our final response, you may be eligible to refer the matter to the Financial Ombudsman Service. Contact details are below:
Financial Ombudsman Service
Tel: 0800 0234567