Finance Questions & STATUS DISCLOSURE

THE FINANCIAL CONDUCT AUTHORITY (FCA)
The FCA is the independent watchdog that regulates financial services. This document is designed by the FCA to be given to consumers considering buying certain financial products. You need to read this important document. It explains the service you are being offered. Please use this information to decide if our services are right for you.

WHOSE PRODUCTS DO WE OFFER?
Should you require finance to assist with the purchase of a vehicle, we can introduce you to a limited number of lenders and finance products. If you request it, we can provide a list of lenders we work with.

WHICH SERVICES WILL WE PROVIDE YOU WITH?
We will advise and make a recommendation for you from the finance products we offer, after we have assessed your needs.

WHAT WILL YOU HAVE TO PAY US FOR OUR SERVICES?
No fee is payable by you for our services. A lender may pay us for introducing you if you go ahead and take finance from them for the purchase of your vehicle.

WHO REGULATES US?
All Lakeside Autos LTD legal entities are authorised and regulated by the Financial Conduct Authority, either as a principal or an appointed representative. Your document if you enquire on a vehicle will confirm which legal entity you are dealing with.
Our permitted business is to act as a broker for consumer finance and to provide insurance distribution of non-investment insurance.
You can check this on the FCA register by visiting the FCA website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768 or 0300 500 8082

Our FCA number is 659070

OWNERSHIP
All Lakeside Autos LTD legal entities are subsidiaries of: Lakeside Autos LTD , 2A Cadger Rd ,Carryduff , Belfast BT8 8AU .

WHAT TO DO IF YOU HAVE A COMPLAINT
If you wish to register a complaint, please contact us as follows
By e-mail – Lakesidemail@aol.com
In writing - FCA Compliance Manager
Lakeside Autos LTD
2A Cadger Rd
Carryduff
Belfast
BT8 8AU
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

ARE WE COVERED BY THE FINANCIAL SERVICES COMPENSATION SCHEME (FSCS)?
We are covered by the 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 90% of the claim, without any upper limit. Further information about compensation schemes is available from FSCS.
 
 
Lakeside Autos
2A Cadger Road,
Carryduff.
Belfast.
BT8 8AU
www.lakesideautos.co.uk
https://www.facebook.com/LakesideAutos
 
(0044) (0) 2890 815082

Finance Terms and Conditions: Lakeside Autos is authorised and regulated by the Financial Conduct Authority under authorisation number 659070. 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: Lakeside Autos 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;

Address: Lakeside Autos, 2A Cadger Road Carryduff, Northern Ireland, BT8 8AU

Phone: 028 9081 5082

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