We Specialise in obtaining cost effective and bespoke financing solutions. This can be for corporate, business and private clients. We can arrange straight Hire Purchase or Leasing at very competitive rates, we will always try to beat an existing quote. In addition we can arrange HP and Lease deals on any New and Commercial Vehicle. We are fully approved by the Financial Conduct Authority and our FCA number is FRN 689298.
Who Are We?
EPJ Associates Limited, a dealership acting as a credit broker in arranging finance for vehicle transactions.
Our address: Private Road Number 7, Colwick Industrial Estate, Colwick, Nottingham. NG4 2JW. Company registration no. 05157191.
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 689298. 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 You 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, 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.
We are, however, independent of the funders and brokers we work with.
Do You Have To Pay For Our Service?
We are a credit broker and not a lender. We can introduce you to a limited number of 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 the lenders 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 we receive from a lender does not have an effect on the amount you pay to that lender under your credit agreement.
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.
We are registered as a data controller with the Information Commissioner’s Office under registration number ZB316678.
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 email – firstname.lastname@example.org
- By telephone – 0115 888 0810
- In writing – please write to Edward Jones at:
EPJ Associates Limited
Private Road Number 7,
Colwick Industrial Estate,
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 and can be found on our website at LINK TO COMPLAINTS PAGE
Our FCA Permitted business is arranging general insurance and finance contracts. You can check this on the FCA Register by visiting the www.fca.org.uk or by contacting the FCA direct on 0800 111 6768.