Initial Disclosure Document (IDD)

Information about our Finance Services

Leisure Sales (Cheshire) Limited

Holmes Chapel Road
Brereton
Sandbach
Cheshire
CW11 1SD

  1. The Financial Conduct Authority (FCA)

The FCA is the independent watchdog that regulates financial services. This document is designed to be given to consumers considering buying certain financial products. You need to read this important document.  It explains the service you are being offered and how you will pay for it.

  1. Whose products do we offer?

Leisure Sales (Cheshire) Limited (“we”, “us”, “our”) is a credit-broker not a lender. We can introduce you to Black Horse Finance who are a finance lender. We do not use a panel of lenders. We can offer a limited number of financial products to assist with your purchase of our goods and services. The financial products that we are authorised to offer are Hire Purchase (“HP”) and Personal Contract Purchase (“PCP”).

All finance is subject to status. Terms and conditions apply.

  1. What service will we provide you with?

You will not receive advice or a recommendation from us in relation to the financial products that we offer. We will provide you with information, but you will have to make your own choice about how to proceed.

We act as a broker for the lender under pre-arranged contractual arrangements. When arranging finance for you, we do not act for you in any capacity, and we are not your agent. We do not act as your finance broker; we do not conduct a fair analysis of the market and we do not provide financial advice. Please seek your own independent legal or financial advice prior to entering into a credit agreement if this is required.

Whilst we believe that our finance terms are competitive, we offer no guarantee that the APR offered to you is the most competitive in the open market. Please make your own enquiries in this regard.

  1. What will you have to pay us for our services?

We do not charge you any fees for our credit-broking services.

We will receive a commission from Black Horse Finance for arranging finance for you. The interest rate and/or APR offered to you is not affected or influenced by the commission that we receive.

You are entitled at any time to request information regarding any commission which we have received as a result of arranging your finance. If we do not know the exact amount of commission, we will provide you with the likely amount.

  1. Who regulates us?

Leisure Sales (Cheshire) Limited is authorised and regulated by the Financial Conduct Authority. Our ‘Firm Reference Number’ is 656122. You can check this by telephoning the FCA on 0800 111 6768 or by visiting https://register.fca.org.uk/s/search

Our permitted business is offering credit-broking services for the purchase of vehicles and other services to our customers.

  1. What to do if you have a complaint

We feel that most complaints can be resolved at the dealership, if you have a complaint we would ask that you write in the first instance to:

Customer Complaints
Leisure Sales
Holmes Chapel Road
Brereton
Sandbach
Cheshire
CW11 1SD

If we cannot settle your complaint, you may be entitled to refer it to the Financial Ombudsman Service www.financial-ombudsman.org.uk.