Helping you make an informed decision
Thank you for considering XLCR Vehicle Management Ltd to help find and finance your next vehicle. We are great service providers and have a commitment to treating our customers fairly so please find below some facts which explain who we are and what we do. You can find more information on how we ensure that we achieve this primary objective here.
Established in February 2000, we are XLCR Vehicle Management Ltd, operating nationwide from our offices at XLCR House, 35-43 Albert Road, Colne, Lancashire, BB8 0BU.
We are an independent credit intermediary, sourcing vehicles and introducing customers to finance providers with access to a representative range of competitive vehicle finance products and services. We are authorised and regulated by the Financial Conduct Authority (FCA), which is the independent watchdog that regulates financial services. Details of our authorisation can be checked online at register.fca.org.uk or by calling 0800 111 6768. Our FCA register number is 315268. We are not a lender.
We are not financial advisers so are not able to offer you advice or make recommendations. We will ask you questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.
Payment for the service that we provide you will be made up of an administration fee which will be clearly detailed on your quotation, and on some occasions a payment or other benefit from any lender(s) or supplier(s) that we introduce you to. You have the right to know the amount of any payment we will receive for our service. We will also tell you when you have a right to cancel along with any other expected charges which might apply.
We also act as an insurance intermediary for certain optional insurance products which we offer from a limited number of insurers. You can ask us for a list of which companies' products and services we offer. We do not charge a fee for our insurance services. As with our consumer credit services, you will not receive advice or a recommendation from us.
For our insurance products, we are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Non-compulsory insurance is covered for 90% of the claim without any upper limit. The FSCS does not cover consumer credit business.
You have a statutory right to cancel your insurance policy within 14 days of issue. Policies cancelled outside of this period may be subject to an administration fee. You can find more details in your policy documents.
When you order with us or make changes to an existing order, you must take reasonable care to provide complete and accurate answers to the questions we ask you, and disclose all material facts. A material fact is anything the insurer or finance provider needs to know about the risk they are accepting.
When an insurance policy or credit agreement is issued to you, it is important that you read it carefully as it forms the basis of the cover you have purchased or the contract you have entered into. If you are in any doubt about any of the terms and conditions, please let us know straight away.
Under the Data Protection Act, you have the right to access the personal information we hold about you. Insurers share information with each other to aid the prevention of fraudulent claims. In the event of a claim, information is placed on industry registers for analysis. Finance providers share information with credit reference agencies and fraud prevention agencies.
Our terms and conditions of business can be found online at www.thebestcardeals.co.uk/terms or we can send a copy to you upon request. All calls are recorded for training and quality assurance purposes.
If at any time you are unhappy with the service you receive, please get in touch
write to us at Customer Services Team, XLCR House, 35-43 Albert Road, Colne, Lancashire, BB8 0BU
call us on 08000 833 711 or 01282 857 850 if your telephone company charges for freephone calls
email us at firstname.lastname@example.org
We are a member of the British Vehicle Rental & Leasing Association and follow their code of conduct. If you are not satisfied with our response to any complaint you make, the BVRLA offer a conciliation service. In certain circumstances you may also be able to refer your complaint to the Financial Ombudsman Service (FOS), which is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk. You can find more details of our complaints procedure here.
To refer your complaint to the BVRLA's conciliation service, please e-mail email@example.com or write to BVRLA, River Lodge, Badminton Court, Amersham, HP7 0DD.
To refer your complaint to the Financial Ombudsman Service, please visit www.financial-ombudsman.org.uk or call 0800 023 4 567 or 0300 123 9 123.