Who are we? Declan McKeever T/A McKeever Motors, a dealership acting as a credit broker in arranging finance for vehicle transactions.
Are we authorised to arrange finance for you? Yes, we are authorised and regulated for credit-broking activities by the Financial Conduct Authority (“FCA”). We are not a lender. Our FCA Firm Reference Number is 708905. For more information, please visit the FCA website at: www.register.fca.org.uk. Please note that business customers may not be protected under the Consumer Credit Act 1974 or FCA rules.
What can we do to help finance your vehicle? We can introduce you (whether direct or through a specialist credit broker) to a number of finance companies (“funders”) who may be able to finance your transaction, There are other funders to which we cannot introduce you which may also be able to offer you finance.
We will provide you with information and explanations about the finance products that may be available to you and, where we recommend a product to you to you, we will ensure that this is based on the information you give us about your needs and circumstances so that it is suitable for you. Finance is arranged subject to status and terms and conditions. We cannot guarantee that we will be able to secure finance for you.
Can we give you independent financial advice? You don't have to pay for our service. But a funder or broker we work with may pay us for introducing you to them. Different funders/brokers may pay us different amounts but it will typically be based on a fixed percentage of the amount borrowed. This percentage may vary according to different factors, for example: the amount of credit; the age or type of vehicle; the type of finance product; or the funder's assessment of the risk of lending. For your reassurance, we are not able to change the interest rate you pay in order to receive more commission from a particular broker or funder. Although rates and commissions may vary between our finance partners, our aim is always to secure finance from them which is appropriate to your circumstances and at the lowest interest rate available.
Do you have to pay for our service or do we receive any commission? You don't have to pay us for our service but a funder or broker we work with may pay us for introducing you to them. Different funders/brokers may pay us different amounts but it will typically be based on a fixed percentage of the amount borrowed. This percentage may vary according to different factors, for example: the amount of credit; the age or type of vehicle; the type of finance product; or the funder's assessment of the risk of lending. For your reassurance, we are not able to change the interest rate you pay in order to receive more commission from a particular broker or funder. Although rates and commissions may vary between our finance partners, our aim is always to secure finance from them which is appropriate to your circumstances and at the lowest interest rate available.
How will we use your information? We will use your information to obtain quotes from funders and brokers to process finance applications through them and we and/or they may also conduct a search of your record held with one or more credit reference agencies. Credit checks may as a result appear on your credit file lodged by organisations with whom you have not dealt directly. The personal information collected will also be shared with fraud prevention agencies who will use it to prevent fraud and money laundering and to verify your identity. If fraud is detected you could be refused certain services, finance or employment.
What can you do if you wish to complain about our services or contact us? If you wish to make a complaint, please contact us: * by writing to us at Complaints Manager, 66 Clagan Road, Claudy, BT47 4DB * by emailing; email@example.com or * by telephoning 02877 781319 If, after making a complaint to us you are still unhappy and feel the matter has not been resolved to your satisfaction, please contact the Financial Ombudsman Service “FOS” -www.financial-ombudsman.org.uk. Please note that FOS may not be able to deal with complaints from business customers.
Further details about our complaints procedure and FOS are available on request. If you require further information, please contact us by telephoning the above number or emailing us at; firstname.lastname@example.org or addressing your correspondence Declan McKeever, 66 Clagan Road, Claudy, BT47 4DB
Finance Terms and Conditions: McKeever Motors is authorised and regulated by the Financial Conduct Authority under authorisation number 708905. We act as a credit broker and not a lender. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. We are only able to offer finance products from these providers. Other offers may be available but cannot be used in conjunction with this offer. A written quotation can be provided on request.
This is not a commitment to lend and applications are subject to approval. All finance is subject to status and income. This indicative quotation is subject to change and final figures will be provided on approval and prior to signing the agreement. Fees shown are already accounted for within the payments displayed and are also included within the total amount payable.
Commissions Disclosure: McKeever Motors confirm the existence of commissions payable within our business (either a fixed fee or a fixed percentage of the amount you borrow). We receive commission, fees and financial remuneration for the services and products we provide and sell. The lenders we work with could pay commission at different rates. However, the amount of commission we receive from a lender does not have an effect on the amount you pay to that lender under your credit agreement.
We disclose the existence of commission and upon request, the amount of any commissions payable for transparency with our customers. We do this to ensure that the customer's decision to purchase one of our products or services is fully informed. The amount of commissions payable to any credit broker may materially influence the customer's decision to enter into the credit agreement or not. We provide commission disclosures before customers enter into any credit agreement so that our customers can rest assured that the product or service recommended to them is not based on the financial payment the broker stands to gain out of the agreement.
We are required to disclose, in good time before a credit agreement is made, the existence of commissions payable within our business. We will also disclose to you the commission model that our business relies on so you may confirm it is not discretionary. When you request it, we will disclose the amount of commissions payable. You can submit a request for a commission disclosure at any time. Our details are;
Used cars Claudy, Used Car Dealer in County Derry / Londonderry | McKeever MotorsUsed cars Claudy, Used Car Dealer in County Derry / Londonderry | McKeever Motors02877 781319Derry / LondonderryClaudyClaudy66 Clagan Road