The Financial Conduct Authority (FCA) is the independent regulatory body for all UK financial services.
They require us by law to provide you with this document (IDD), which gives you a summary of the products and services we offer,
what we charge for our services, and what to do if you have a complaint about us.
Capital Car Finance Limited is authorised and regulated by the Financial Conduct Authority for all consumer credit activity.
Our firm’s registration number is 685925. We are permitted to act as a broker and not a lender.
We can introduce you to a limited number of selected finance providers and finance brokers who may be able to offer you finance
for your vehicle purchase. Our role as a finance broker is to determine which lender on our panel will be most suitable for you.
Rates are determined by the lender based on various factors such as personal circumstances, the age of the vehicle, the balance financed, etc.
The lenders we work with may pay us a commission if you enter into an agreement with them. This commission is typically
either a fixed fee or a fixed percentage of the amount you borrow. The amount we receive may vary depending on the lender
and the product type. However, please note that the commission does not affect the finance rate you are offered.
Full details of the exact amount of commission we receive will be provided in our Terms of Business document before you complete any agreement.
Depending on the supply route of your vehicle, we may also charge a fixed administration fee of £299 for business
transacted through Capital Car Finance Limited. This admin fee will be clearly shown as a separate charge in our Terms of Business document,
which will be sent to you before completion. Payment of this fee can be made via a secure payment link or by bank transfer.
Your personal data is held in accordance with the Data Protection Act 2018 (DPA 2018).
Some or all of the data you provide to us will be passed on to our lender in order for them
to assess and underwrite your application for finance.
For more information, please visit our dedicated
Privacy Policy
page on our website.
If you have a complaint about any of our services, we would like to hear from you — the last thing
we want is an unhappy customer. Please contact us initially by telephone on 01270 306000
to discuss your complaint in more detail.
Alternatively, you may contact us in writing and your complaint will be dealt with by the appropriate
department as quickly as possible. You can use any of the contact methods below:
If you are not satisfied with our final response to your complaint, you can escalate your complaint
to the Financial Ombudsman Service. However, you must contact them within 6 months from the date of
our Final Response. The Ombudsman Service will confirm whether we have issued a final response and may
require you to provide evidence of it.
The Ombudsman Service is a free and impartial service for resolving disputes between consumers and
financial services institutions. Their contact details are as follows:
More information can be found on the Complaints Handling page of our website.
