NeilKieran Automotive – Initial Disclosure Document (IDD)

Financial Conduct Authority (FCA) Firm Reference Number (FRN): 1016847

This document provides important information about how we operate, the services we offer, and how we are regulated. Please read it carefully before deciding whether to use our services.

1. Who we are

NeilKieran Automotive

Authorised and regulated by the Financial Conduct Authority (FCA) for credit broking and the arranging of certain insurance products.

FRN: 1016847

We act as a credit broker, not a lender. You can verify our regulatory status on the Financial Services Register.

2. The services we provide

Motor Finance

We can introduce you to a panel of lenders and finance products to help fund your vehicle purchase.

We will explain key features, but you are responsible for choosing the most suitable product.

We do not provide independent financial advice.

3. Our finance panel & commission disclosure

We work with a selected panel of lenders, including:

  • • Motonovo Finance
  • • Tandem Motor Finance
  • • Evolution Funding
  • • DSG Finance

These lenders may pay us a commission for introducing you to them. This may be a fixed fee or a percentage of the amount you borrow.

This does not affect the amount you pay.

You can request details of our commission at any time. 

 

4. Ownership of the vehicle

If you enter into a Conditional Sale or Hire Purchase agreement, ownership of the vehicle does not pass to you until all payments are made.

5. Affordability

We will collect information to assess whether a finance product is suitable and affordable for you. You must provide accurate information.

6. Customer’s right to cancel

Your rights vary by product:

  • • Finance agreements: Usually a 14-day right to withdraw.

Please check your agreement or policy documents for full details.

7. How to make a complaint

If you wish to make a complaint, please contact:

Complaints Department

NK Automotive 221

Haughton Road

Darlington County

Durham

DL1 2LD

[email protected]

We will acknowledge your complaint promptly and aim to resolve it within 8 weeks.

If you are not satisfied with our response, you may refer your complaint to:

Financial Ombudsman Service (FOS)

Tel: 0800 023 4567

Website: financial-ombudsman.org.uk.

8. Data protection

We comply with the UK GDPR and the Data Protection Act 2018. Full details of how we process your data are available in our Privacy Notice. Signature. Name