B V Rees Limited: 01239 612025

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B V Rees Limited: 01239 612025

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Committed to Treating our Customer Fairly

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We recognise that both we and our customers have everything to gain if we look after your best interests and treat you fairly in all aspects of our dealings with you. 

Our commitment to you:

We will:

Provide you with clear information about the products and services we offer, including fees and charges.

Ascertain your individual needs, preferences and circumstances before recommending any products that we consider suitable for you and that you can afford.

Encourage you to ask if there's something you don't understand.

Give you access to a formal complaints procedure should you become unhappy with our service.

Act fairly, reasonably and responsibly in all our dealings with you.

Make sure that all services and products meet all the relevant laws and regulations, including the Consumer Credit Act 1974 and all regulations made under it.

Not discriminate against you because of your race, sex, disability, ethnic background or sexuality.

Act honestly and try to make sure that credit brokers, and all other suppliers of goods and services we do business with do the same.

Not pressurise you to enter into any agreement with us and try to make sure that credit brokers and all other suppliers of goods and services we do business with, do not pressurise you.

Co-operate with regulators such as the Office of Fair Trading (OFT) or the Financial Conduct Authority (FCA), and organisations that handle complaints such as The Finance and Leasing Association (FLA) or the Financial Ombudsman Service (FOS).

Consider cases of financial difficulty sympathetically and positively follow any guidance notes that the FLA issues, where relevant to the products and services we offer.

Treat all your personal information as private and confidential, and run secure and reliable systems.

Train our staff to make sure that the procedures they follow reflect the commitments set out in the FLA Code (please see http://www.fla.org.uk/ for the full Code).

How you can help us

To help us give you the most appropriate advice, we will ask you to:

Tell us as much as possible about your circumstances, to enable us to properly assess how much you can afford.

Let us know about changes that might affect your ability to repay your commitment.

Let us know if there is any aspect of our service, or of a product we have discussed or recommended, that you don't understand.

Tell us if you think there are ways we can improve our service.

B V Rees Limited, Abbey Garage, St. Dogmaels, Cardigan. SA43 3DX

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B V Rees Fiat:
B V Rees KGM:
B V Rees Limited:

B.V. Rees Limited is an Appointed Representative of Automotive Compliance Ltd who is authorised and regulated by the Financial Conduct Authority (FCA No. 497010). Automotive Compliance Ltd’s permissions as a Principal Firm allows B.V. Rees Limited to act as a credit broker, not a lender, for the introduction to a limited number of lenders, and to act as an agent on behalf of the insurer for insurance distribution activities only. We are a credit broker and not a lender. We can introduce you to a carefully selected panel of lenders, which includes manufacturer lenders linked directly to the franchises that we represent. We act on behalf of the lender for this introduction and not as your agent. We are not impartial, and we are not an independent financial advisor.

 

Our approach is to introduce you first to the manufacturer lender linked directly to the particular franchise you are purchasing your vehicle from, who are usually able to offer the best available package for you, taking into account both interest rates and other contributions. If they are unable to make you an offer of finance, we then seek to introduce you to whichever of the other lenders on our panel is able to make the next most suitable offer of finance for you. Our aim is to secure a suitable finance agreement for you that enables you to achieve your financial objectives. If you purchase a vehicle, in the majority of cases, we will receive a commission from your lender for introducing you to them which is either a fixed fee, or a fixed percentage of the amount that you borrow. This may be linked to the vehicle model you purchase.

Different lenders pay different commissions for such introductions, and manufacturer lenders linked directly to the franchises that we represent may also provide preferential rates to us for the funding of our vehicle stock and also provide financial support for our training and marketing. But any such amounts they and other lenders pay us will not affect the amounts you pay under your finance agreement; however, you will be contributing towards the commission paid to us with the interest collected on your repayments. Before we propose you to a potential lender, we will inform you of the likely amount of commission we will receive and seek your consent to receive this commission. The exact amount of commission that we will receive will be confirmed prior to you signing your finance agreement.  All finance applications are subject to status, terms and conditions apply, UK residents only, 18s or over. Guarantees may be required.

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Copyright © 2024 B V Rees. All Rights Reserved.
VAT Number - 122940393 | Company Number - 2461738 | FCA Number - 920623

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