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Status Disclosure

Mack Motors Balloch Limited - Status Disclosure
Frequently asked questions
Who are we?
Mack Motors Balloch Limited, 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
955747. For more information, please visit the FCA website
at: https://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?
We are not independent financial advisers and so are unable to provide you with
independent financial advice.
Do you have to pay for our service?
Mack Motors Balloch Limited is authorised and regulated by the Financial Conduct
Authority. We are a credit broker and not a lender. We can introduce you to a limited
number of carefully selected lenders and their finance products, which may have
different interest rates and charges. We are not an independent financial advisor; we
will provide details of products available from lenders that we work with, but no
advice or recommendation will be made. 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).
The lenders we work with could pay commission at different rates. However, the
amount of commission that we receive from a lender does not have an effect on the
amount that you pay to that lender under your credit agreement.
All offers and credit subject to status, terms and conditions. Applicants must be 18
years or over.
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.
Further details of how your information will be used by us, funders and these fraud
prevention agencies, and your data rights can be found
here https://www.mackmotorsballoch.com/privacy_policy/ . A full data protection
notice/ privacy policy will be provided to you before we submit any application for
finance on your behalf.
We are registered as a data controller with the Information Commissioner's Office
under registration number ZB374414
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 Mack Motors Balloch, Upper Cullernie, Balloch, Inverness,
IV27HU
* by emailing sales@mackmotorsballoch; or
* by telephoning 07398 668088
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).

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Representative Example [PCP]

An OTR Cash Price of £7,995.00 with a deposit of £495.00 leaving an amount of credit of £7,500.00. The agreement is resulting a Representative 13.9% APR and a total amount payable of £9,354.38. Payments are based on a duration of agreement of 23 months, with a first monthly payment of £ 256.79, regular monthly payment of £256.79 and a final monthly payment of £3,210.00.

Contact Details

** VIEWING BY APPOINTMENT ONLY **

Upper Cullernie
Balloch


Inverness
IV27HU 07398 668088

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