If you are interested in purchasing one of our vehicles and would like to apply for finance, please complete the finance proposal form below in as much detail as possible.

You must complete all boxes marked with * (even if you just write N/A)... if you require further information or assistance, please do not hesitate to contact us...

Initial Disclosure:

Use this information to decide if our services are right for you. Please take the time to read this as it explains the financial services you are being offered and how you will pay for them.

1) Who Regulates us?
The Financial Conduct Authority is independent of Essex Cars Limited. The FCA regulate the Financial Services market throughout the UK and further information about their role can be found at https://www.fca.org.uk/ and a register of our trading names can be located at https://register.fca.org.uk/s/. Essex Cars Limited (FCA Firm reference number 630779) is authorised and regulated by the Financial Conduct Authority for the purpose of Consumer Credit activities. Our business is permitted to arrange finance contracts. You can check our authority on the FCA Register by visiting the https://register.fca.org.uk/s/ or by contacting the Financial Conduct Authority directly.

2) What Products and Services do we provide?
Finance:
We are a credit broker and NOT a lender. We can introduce you to a limited number of carefully selected credit providers who may be able to offer you finance for your purchase. These lenders provide us with a range of products, that may have different interest rates and charges which may be suitable for your purchase, and we will explain the key features of these products to you. We are NOT Independent Financial Advisers and so are unable to provide you with independent financial advice. There are also other sources of finance which you may wish to investigate and consider for your purchase. There is NO fee for this service. We will typically receive a fixed rate of commission or other benefits from finance providers should you decide to enter into a finance agreement with them. This may vary depending on the lender, vehicle model and amount borrowed. Details on the amount of commission are available upon request. These payments do not affect the amount a customer pays on their agreement and any interest rate is set by the lender.
Insurance:
Warranty protection that relates to the product, we offer warranty products from a sole provider and do not provide whole market analysis. We will assess your needs for the warranty product and identify which are suitable for you, in order for you to make an informed decision on purchase. You will receive a quotation which will tell you about the costs of the product and any other fees relating to the warranty policy. There is NO fee for this service. We receive commission as a proportion of the premium paid from our warranty provider if you decide to enter into a contract with them. The purchase of warranty product is entirely optional.

3) Who should you contact if you have a Complaint?
We always aim to ensure that all of our customers are happy with the services we provide and their product purchase. If however you have any cause to make a complaint you should contact us either in writing or by telephone. If you wish to register a complaint and have the matter investigated, please contact us:
In writing: Essex Cars Ltd. Hilltop View, Brightlingsea Road, Thorrington, Colchester, Essex, CO7 8JL
By email: sales@essex-cars.co.uk
By phone: 07968 213 206
If in the unlikely event that we are unable to settle your complaint, you may be entitled to refer the matter to the Financial Ombudsman Service. Further information about the services that they provide can be found at https://www.financial-ombudsman.org.uk/

4) Are we covered by The Financial Service Compensation Scheme
We are covered by The Financial Service Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Please note – the FSCS only covers General Insurance Distribution, not Consumer Credit. Insurance advising and arranging is covered for 90% of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit. Further information about compensation scheme arrangements is available directly from the FSCS at https://www.fscs.org.uk/

5) How do we hold your Data?
Your personal data is collected and held in accordance with the General Data Protection Regulation 2018, Data Protection Act 2018 and all other data protection acts. Some or all of your data that you supply us with, in connection with your finance or insurance proposal, will be passed to the finance company and/or insurers and other companies in order to operate your contract (for example underwriting, premium collection, claims handling).