Initial Disclosure Document
1. Who are we?
a. Tracer Finance is a finance broker based in Buckinghamshire, England.
b. Our Registered Address is 63 Thrasher Road, Aylesbury, Bucks HP19 8BQ.
c. As a finance broker, we aim to obtain the best financial acceptance to fit your circumstances. We work with a variety of finance partners who provide Hire Purchase, Conditional Sale, Lease Purchase and Personal Contract Purchase; we are only able to offer finance from our partners.
d. We take a friendly approach to support you throughout this journey and to answer any questions you might have.
e. 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 circumstances.
2. Contact us
a. 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 – Telephone: 01296 392811 Mobile: 07557-123926 Email: lesley@tracerfinance.co.uk
3. Regulation
a. To carry out our activities, we are authorised and regulated by the Financial Conduct Authority (‘FCA’). b. Our FRN is 646839, you can check this here - https://register.fca.org.uk.
4. Fees and Commissions
a. You will not be charged a fee for using our services; however, we must inform you that we receive a commission payment for introducing your details.
b. This commission will not impact any rate, amount, or acceptance you are offered and is an agreed fixed payment or percentage.
c. This may vary by lender or finance partner.
d. You will be provided with this information before completing any documentation, allowing you to review the terms and confirm you are happy to proceed.
5. Finance Options
a. To assist you with obtaining vehicle finance, your details will be passed over to finance providers with whom we work.
b. Our finance providers, to assess your creditworthiness, will check your information with credit reference agencies, and potentially fraud prevention agencies.
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c. They will also use the information that you have provided us to assist them in assessing your status and affordability.
d. It is important that all the information you provide is accurate and up to date.
e. Please note that we cannot guarantee an acceptance and all potential finance is subject to terms and status.
f. Before entering into any agreement, you should ensure you have fully read and understood the agreement you are considering entering.
g. We encourage you to take the time to read through any documentation provided, and please do ask any questions you may have.
h. 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.
i. We are here to answer any questions or go through anything in further detail, please contact us on the above.
j. 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.