The disclosures at website footer are good and comprehensive, but, a further disclosure statement presented under ‘Finance Calculator’ will also need amending, implies dealer is directly authorised by FCA, whereas footer is correct stating their AR status under Automotive Compliance (see screen shot below). In relation to prominence this is the one more likely to be viewed.
On selecting ‘Apply for Finance’ under the Terms & Conditions, the name ‘Dylan Williams’ is showing rather than the company name.
‘By completing the application for vehicle finance below, you give us, Dylan Williams, the authority to request your credit history from credit reference agencies ("CRAs") and that you agree to be subject to one or multiple full ("hard") credit searches on your credit report…’
An OTR Cash Price of £16,995.00 with a deposit of £1,699.50 leaving an amount of credit of £15,295.50. The agreement is resulting a Representative 8.9% APR and a total amount payable of £20,554.90. Payments are based on a duration of agreement of 60 months, with a first monthly payment of £ 314.09, regular monthly payment of £314.09 and a final monthly payment of £324.09.
