Initial Disclosure Document

About our Consumer Credit Service

1. The Financial Conduct Authority
The FCA is the independent regulator of financial services. This document is given to customers considering buying certain financial products. You need to read this important document as it explains the service we offer.

2. What products do we offer, and from whom?
☐ We only offer products from one selected lender
☑ We only offer products from a limited number of lenders

3. Which services will we provide you with?
You will not receive any advice or recommendations from us in relation finance. We may ask you certain questions to assist us in narrowing down the selection of products that we will provide you details on. You will then need to make your own choice about how to proceed. We will always provide you with both the advantages and disadvantages of the product types that are available to you. We are not an Independent Financial Advisor (IFA).

4. What will you have to pay us for our services? ☑ No fee

Jon Miles Cars Ltd t/a PremLuxe Motors is authorised and regulated by the Financial Conduct Authority, under: 1015322. All finance is subject to status and income. We act as a credit broker not a lender. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. Written quotation available upon request. Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow). The lenders we work with could pay commission at different rates, but the commission we receive does not influence the interest rate you will pay. You have the right to request information on our commission at any time using the above contact details. We are only able to offer finance products from these providers.

. The lender may charge their own fees. These may include, but are not limited to documentation fees, option to purchase fees, excess milage charges or administration fees but this information will always be provided to you in the quote that we provide

5. Who Regulates Us?
PremLuxe Motors are a trading name of Jon Miles Cars Ltd who are authorised and regulated by the Financial Conduct Authority, FRN: 1015322. You can check this on the Financial Services Register by visiting the FCA’s website at register.fca.org.uk. All finance is subject to status. Terms and conditions will apply. Applicants must be 18 years or over. We act as a credit broker and not a lender. Jon Miles Cars Ltd is registered with the Information Commissioners Office under number: CSN7580250

6. What to do if you have a complaint
Delivering excellent service to our customers is our number one priority at Jon Miles Cars Ltd. However, we do recognise that things may occasionally go wrong, and you may feel you have cause to complain. Receiving your feedback is important to us as it enables us to learn from any mistakes and, where possible, to improve our service. You can raise a complaint with us by email, phone or letter using the following contact information

In writing: Jon Miles Cars LTD, The Retreat, 406 Roding Lane South, Woodford Green, Essex IG8 8EY By email: Jon@premluxemotors.co.uk 
By phone: 07469 214401
How we will handle your complaint

We will:

a. Endeavour to resolve your complaint as quickly as possible
b. Acknowledge your complaint promptly and in writing (usually by email but are happy to send work with your communication needs
c. Provide you with a final response to your complaint within 8 weeks of receipt.

If we cannot reach a resolution a. If you are dissatisfied with our response, you can refer your complaint to the Financial Ombudsman Service (FOS). You must do so within 6 months of our final response. The Financial Ombudsman Service is free and impartial, and you are entitled to contact them at any stage of your complaint. More information can be found at www.financial- ombudsman.org.uk If you have a complaint about your lender a. You can also raise a complaint directly with your lender. The complaints process for your lender will be set out within the agreement you have with them. If you have any questions or require any assistance with this, please let us know.

7. Products On Offer

For regulated products

We are only able to offer finance products from our affiliated providers. Credit agreements offered to private individuals or natural consumers are protected under the Consumer Credit Act 2006. Any complaints you have relating to regulated finance products afford you the right to contact the Financial Ombudsman Service (FOS), who offer impartial advice free of charge.

For unregulated products

Unregulated products such as finance with limited companies, or non-insurance warranties, are not regulated by the Financial Conduct Authority (FCA) and therefore are not under the remit of consideration from the Financial Ombudsman Service (FOS). These products are not regulated under the Consumer Credit Act 2006.

8. Additional Assistance

If you have any communication requirements or additional needs that we need to be made aware of, to ensure your journey with us is as smooth as possible, please get in touch using the details below or speak to your account manager. All information shared will be held confidentially and in line with our privacy policy.