Switching Cars Ltd (11730588) is authorised and regulated by the Financial Conduct Authority to act as a credit broker not a lender FCA Number 830350.

We are a credit broker and not a lender. We can introduce you to a limited number of lenders and their finance products. We are not an independent financial advisor and we act as their agent for this introduction. We may advise you on the products, subject to your personal circumstances, though you are not obliged to take our advice or recommendation. 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). For your reassurance, all of the lenders we work with could pay commission at different rates, but the commission we receive does not influence the interest rate you will pay. Our aim is to secure finance for you at the lowest interest rate you are eligible for from our panel of lenders. If you ask us what the amount of commission is, we will tell you in good time before the Finance agreement is executed. All finance applications are subject to status, terms and conditions apply, UK residents only, 18's or over. Guarantees may be required.

 

FAQ'S

Who are we? 

Switching Cars Ltd, 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 FCA. We are not a lender. Our FCA firm reference number is 830350.

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.

 

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 info 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 info will be used by us is available on request.

 

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: Switching cars ltd, Pocket Nook Lane, Lowton, Warrington, WA3 1AB

*By email: sales@switchingcars.co.uk

*by calling 01942 665885

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 users.

 

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