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Disclosure Statement

Garrowhill Car Sales 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.



Frequently asked questions



Who are we?



Garrowhill Car Sales, are 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 945333. 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 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. 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.



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 is available on request. A full data protection notice/ privacy policy will be provided to you before we submit any application for finance on your behalf.





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, Garrowhill Car Sales, Unit 1 Nurseries Road, Baillieston Distribution Centre, Glasgow, G69 6UL

* by emailing www.garrowhillcarsales@outlook.com

* by calling 0141 737 4261

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.

If you require further information, please contact us by the means listed above.

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Representative Example [HP]

An OTR Cash Price of £3,795.00 with a deposit of £200.00 leaving an amount of credit of £3,595.00. The agreement is resulting a Representative 12.9% APR and a total amount payable of £5,019.60. Payments are based on a duration of agreement of 60 months, with a first monthly payment of £ 80.31, regular monthly payment of £80.31 and a final monthly payment of £81.31.

Contact Details

Unit 1
Block A
Nurseries Road
Glasgow
Lanarkshire
G69 6UL 01417 374261

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