Initial Disclosure Document

Initial Disclosure Document
The Financial Conduct Authority (FCA) is the independent regulator of financial services. Use this information to decide if our services are right for you. Superbike Specialists LTD (4 School Terrace, Huddersfield ,HD3 4LJ) is authorised and regulated by the Financial Conduct Authority (our registration number is 824211) as a credit broker and is included on the Financial Services Register Please note that business customers may not be protected under the Consumer Credit Act 1974 or FCA rules.
Initial Disclosure Document - Consumer Credit
Your Finance Options
As an FCA-regulated credit broker we can introduce you to a selected group of lenders (a list is available on request) who may be able to help you finance your purchase. There are other funders to which we cannot introduce you which may also be able to offer you finance.
This group of lenders provides us with a range of products which may be suitable for your purchase. We will explain the key features of those products to you. 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. It is important that you provide us with accurate and relevant information. Finance is arranged subject to status and terms and conditions. We cannot guarantee that we will be able to secure finance for you.
We are not independent financial advisers and so are unable to provide you with independent financial advice.
We do not charge fees for our Consumer Credit services, but we receive a commission payment or other benefits from finance providers should you decide to enter into an agreement with the finance provider.
In providing information and explanations about products we shall take into account the customers level of understanding. If we are not satisfied that the customer does not have a good understanding of these products or services we shall consider alternative methods to provide the relevant information.
We always aim to provide a first-class service, however if you have any cause for complaint any enquiry can be raised by contacting us: Superbike Specialists LTD (4 School Terrace, Huddersfield ,HD3 4LJ) 01484 213 146
Should you remain dissatisfied, you have the right to ask the Financial Ombudsman Service to review your case. You should write to the Financial Ombudsman: Financial Ombudsman Service, Exchange Tower, London, E149SR.
As an organisation we are committed to treating our customers fairly, before, during and after a sale.
Before the sale you can expect:
To have any significant and unusual exclusions or exceptions relating to the finance agreement brought to your attention
A clear statement of price, including where applicable a breakdown of any interest charges
Details of your cancellation rights and our complaints procedure
Copies of your finance agreement documentation or information as to when these documents will be dispatched
After the sale you can expect:
Not to encounter any barriers to cancelling your finance agreement within regulatory agreed timeframes
To have any complaint dealt with in a timely and professional manner
If at any time you feel you have not been treated fairly by any member of our staff, please contact us by writing to Superbike Specialists LTD (4 School Terrace, Huddersfield ,HD3 4LJ)
Confidentiality and Data Protection
Your information will only be disclosed/provided to third parties for the purposes of providing, arranging, administering, and renewing finance contract(s) and for the purposes of monitoring and/or enforcing compliance with regulatory rules/codes. 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. For full details of where your information will be sent and the purpose of such data transfer, please ask us.
We are registered as a data controller with the Information Commissioner's Office: registration number ZA751510