Terms and Conditions

Financial Conduct Authority

The following companies are authorised and regulated by the FCA for credit broking activities;

  • Roadside Motors (Armagh) Ltd
  • Roadside Motors (Lurgan) Ltd
  • Roadside Motors (Moneymore) Ltd
  • Edwin May Ltd

You can check this on the Financial Services Register by visiting the FCA  website, https://register.fca.org.uk or by contacting the FCA on 0800 111 6768.

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 an independent financial advisor. We may advise you on the products, subject to your personal circumstances, though you are not obliged to take our advice or recommendation.  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.

For your reassurance, all of 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. Our aim is to secure finance for you at the lowest interest rate you are eligible for from our panel of lenders.

If you ask us what the amount of commission is, we will tell you in good time before the Finance agreement is executed.

Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme (FSCS). 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.

Insurance advising and arranging is covered for the first £2,000 and 90% of the remainder of the claim without any upper limit.

Further information about the compensation scheme is available from the FSCS website.

Complaints

If you have a complaint in respect of merchandise, service, finance or insurance, please contact the Site Manager at the relevant Roadside Group Company;

OR

If we are unable to resolve your complaint within 3 days;

  1. We will write to you acknowledging your complaint and advise when you can expect to receive a final response (which will be no longer than 8 weeks)
  2. We will investigate then write to you within 8 weeks with a final response.
  3. If you have a finance or insurance complaint, and are dissatisfied with our response, you have the right to refer to the Financial Ombudsman Service (details below)
  4. If you have a merchandise or service complaint, and are dissatisfied with our response, you have the right to refer to the Motor Ombudsman Service (details below)

Financial Ombudsman Service

Set up by Parliament, the Financial Ombudsman Service is the UK’s official expert in sorting out problems with financial services.

If a business and a customer can’t resolve a complaint, the Financial Ombudsman Service can give an unbiased answer about what’s happened. If the Financial Ombudsman decide someone’s been treated unfairly, they have legal powers to put things right.

This service is free of charge.

You can find out more about the Financial Ombudsman Service at http://www.financial-ombudsman.org.uk/contact/index.html

Telephone 0800 023 4 567

The Financial Ombudsman Service

Exchange Tower

London

E14 9SR

MOTOR OMBUDSMAN SERVICE

The Motor Ombudsman is the automotive dispute resolution body. Fully-impartial, it is the first ombudsman to be focused solely on the automotive sector, and self-regulates the UK’s motor industry through its comprehensive Chartered Trading (CTSI)-approved Codes of Practice.

Thousands of businesses, including vehicle manufacturers, warranty product providers, franchised dealers and independent garages, are accredited to one or more of the Codes, which drive even higher standards of work and service, and give consumers added protection, peace of mind and trust during the vehicle purchase and ownership experience.

You can find out more about the Motor Ombudsman and the dispute resolution process by downloading a consumer guide at https://www.themotorombudsman.org/motor-ombudsman

Telephone 0345 241 3008* (option 1).

The Motor Ombudsman

71 Great Peter Street

London

SW1P 2BN