Initial Disclosure Document
Who are we?
Premier Automotive Limited is an appointed representative of ITC Compliance Limited which is authorised and regulated by the Financial Conduct Authority (their registration number is 313486).
Our Registered Address is Premier Automotive Ltd. Colliers Garage, Birch Lane, Dukinfield, SK16 5AP
Company Number - 02706646
VAT Number - 485968
Our friendly team is on hand to support you within this journey and to answer any questions you may have.
Permitted activities include advising on and arranging general insurance contracts and acting as a credit broker not a lender.
We can introduce you to a limited number of finance providers. We do not charge fees for our Consumer Credit services. We may receive a payment(s) or other benefits from finance providers should you decide to enter into an agreement with them, typically either a fixed fee or a fixed percentage of the amount you borrow. The payment we receive may vary between finance providers and product types. The payment received does not impact the finance rate offered.
Treating Customers Fairly (TCF) is a core part of our culture and we are committed to ensuring you receive a product suitable for your needs and circumstance.
Contact us
Should you have any questions prior to making an application, or have any queries during or after your application has been made, you can contact us on the following information –
T: 0161 343 2216
P: Premier Automotive Ltd. Birch Lane, Dukinfield, Cheshire, SK16 5AP
Regulation
In order to carry out our activities, we are authorised and regulated by the Financial Conduct Authority ('FCA').
Reference number: 485968 you can check this here - https://register.fca.org.uk/s/
Appendix 1
Accordingly, the options we present to you, from our limited panel of lenders, may not reflect the most competitive or impartial terms available in the market.
You are not tied to funding via our panel of lenders and have the right to seek alternative options. However, in doing so, this may impact upon any offers provided by our panel of lenders in relation to deposit contributions, servicing or other schemes. We are a commercial entity that expects to make a profit from this transaction. Consequently, lenders typically pay a commission to us for introducing you to them, calculated by reference to the vehicle model or amount you borrow. Different lenders may pay different commissions for such introductions; some lenders may also provide preferential rates to us for the funding of our vehicle stock and may also provide financial support for our training and marketing. Any such amounts they and other lenders pay us will not affect the amounts you pay under your finance agreement, all of which are set by the lender concerned. We do not charge you a fee for our services, consequently we do not act as a financial adviser, or fiduciary. We act in our own interest, whichever lender we introduce you to, we will typically receive commission from them based on either a fixed fee or a fixed percentage of the amount you borrow. Any and all commission amounts will be fully disclosed to you as part of your sales journey. You will be required to give your fully informed consent to our receipt of this commission. By doing this, you acknowledge that you understand our role as a credit broker, and that we will receive a financial incentive if you take out a loan from a lender that we introduce you to.
All finance applications are subject to status, terms and conditions apply, UK residents only, 18's or over, Guarantees may be required.
Finance Options
In order to assist you with obtaining vehicle finance, your details will be passed over to brokers with whom we work with.
Our finance providers, in order to assess your credit worthiness, will check your information with credit reference agencies, and potentially fraud prevention agencies.
They will also use the information that you have provided us to assist them in assessing your current status and affordability.
It is important that all the information you provide is accurate and up to date.
Please note that we cannot guarantee an acceptance and all potential finance is subject to terms and status.
Before entering into any agreement, you should ensure you have fully read and understood the agreement you are considering entering into.
We encourage you to take the time to read through any documentation provided, and please do ask any questions you may have.
It is incredibly important you understand the type of agreement you are entering into along with your rights under the agreement such as (but not limited too) Distance Selling and the 14-day rule, Post Contract and your rights if there is an issue with the vehicle, Cancellation and what would happen should you not be able to keep up with the repayments.
Our team are happy to answer any questions or go through anything in further detail, please contact us on the above.
We will never provide you with a recommendation or advise you on certain products, however our partners will provide you with all the information required within your Pre-Contract Information to assist you in making an informed decision.
Affordability
It is extremely important that you look into finance options that are suitable for your current (and potential future) financial situation.
We will go over all your details to ensure we have the correct information to pass onto our partners, who will then try to verify the information. However, please note that evidence of your income may be requested.
If you are aware or suspect that your financial position will change in the future, you must inform us or the finance partner directly.
Your credit rating could be adversely affected if you do not make payments when due.
Complaints
If you wish to make a complaint, please do contact us using the contact information above.
Your Information
In order to process your application, you will need to provide us with some of your personal information. We pride ourselves on handling your information in the most secure and professional way we can.
Your data will not be processed without your explicit consent for us to do so, therefore if you do not wish for your application to be processed, we kindly ask that this is not submitted.
As mentioned above, your information will be passed over to our finance partners in order to try to obtain you a finance acceptance. Whilst we have assessed the partners we work with; we have included their information within our privacy policy so you can fully research how they will use your information.
For further detail on how your information is used by us and who it will be shared with, please view our Privacy Policy.
Our ICO number is Z6194162
EXCELLENT CUSTOMER SERVICE
Bought my latest car from Premier Mitsubishi and have to say the service I received was excellent,in particular Jourdan,made the whole process easy and nothing was too much trouble.Highly recommended.
David A
6 STARS !!
We recently purchased a car, sight-unseen, from Premier Isuzu & Select Used Cars Manchester. I dealt with a very competent, polite & professional sales chap, called Jourdan. Figures were agreed, finance signed & sealed and the car delivered to us, free of charge ! Based 200 miles away & purchasing an expensive car without viewing first is always a concern, especially when doing it for the first time ! Such is the modern, click & collect world, I suppose. Jourdan was transparent, open and honest throughout, answering all of our questions and making us feel completely at ease. On arrival, the car really did exceed our expectations. It was prepared & presented to a very high standard, as promised, and all paperwork was present & correct. Highly commend Jourdan for a sterling job, his hard work & efficiency. Thank you. Couldn’t be happier & wouldn’t hesitate in recommending Premier Isuzu & Select used cars !
Matthew N
KIA SPORTAGE FROM ROCHDALE BRANCH
I contacted this Kia branch on Thursday1st of March, I had seen a Sportage on their website, the gentleman I spoke with was Charley Murton. He explained the car was a former demonstrator, I had been surprised to see a latest generation Sportage for sale so soon. I explained I wished to part exchange my current vehicle against a prospective purchase. I went to the dealership the following Tuesday, Charley was very welcoming and offered me a coffee, I needed it after having been at the mercy of a satnav for over an hour. He made me a very welcome offer on my vehicle and then we went for a test drive. Loved the car straight away. The negotiations were done professionally and efficiently, he then sorted out delivery to my home the following day, amazingly quickly. I have contacted him a couple of times since with a few questions he has continued to be extremely helpful each time. I am very impressed with this dealership and Charley in particular. A note to Charley your directions to get me home we’re spot on no need for the satnav and a half hour quicker!!
Colin J
PREMIER ARE AMAZING
The team at Premier are amazing, I can't praise them highly enough. After I had a nasty puncture with damaged wheel last night they have sorted everything and got me back on the road by 10am!! Truly awesome, thanks Premier!!
Kath Bailey
THIS IS THE BEST SERVICE I HAVE EVER HAD!
Brilliant experience from start to finnish dealing with the team from Hyde especially Matt who couldn't have been more helpfull. Everything went very smoothly and the car is brilliant .Cann't believe the aftersales package that comes with the deal . In my 40 years of buying cars this is the best service I have ever had . A big thanks to Matt again it was like dealing with a friend I have known for years
Lee Brocklehurst
EXCELLENT EXPERIENCE
From start to finish our experience of Premier Automobiles excellent. Our salesman Neil was professional, friendly and helpful and he made the buying experience easy. He talked us through the whole process, ensuring that we had all the information we required to help us decide on the right car for us. Despite being further away than other dealerships, we felt the journey to Premier was worth the extra mileage. Neil's honest, no flannel approach was reassuring and we will definitely go back to Premier in the future. In fact, we will be using their service department for our annual services.
Laura Murphy