Please read this document as we are processing your application for car finance to purchase your new car from us. It explains who regulates us, how we are paid, and what you can expect from our service.
The Financial Conduct Authority (FCA) is the independent regulator of financial services. Use this information to decide if our services are right for you. RightDrive (UK) LTD, Unit C1 Cranleigh Road, Fareham, PO16 9DR, is authorised and regulated by the FCA under registration number 674512.
RightDrive (UK) LTD is authorised and regulated by the Financial Conduct Authority.
Check our permissions on the FCA register or by calling 0800 111 6768.
Permitted activities include advising on and acting as a credit broker.
Fareham, PO16 9DR — our registered trading address.
It is important to note that the information provided by you may be passed to one or more finance lenders, who may conduct a search of records held by credit reference agencies. It is important that the information you give regarding your application is true, accurate and a full disclosure of all relevant information.
Yes. RightDrive (UK) LTD t/a RightDrive Car Finance is paid by the lender, and we think you should know exactly how that works before you apply.
The lender typically pays us a commission for introducing you to them, calculated by reference to the vehicle model or the amount you borrow. We do not charge you a fee for our services.
Whichever lender we introduce you to, we will typically receive commission from them based on either a fixed fee or a fixed percentage of the amount you borrow.
All interest rates are set by the lender concerned and are individual to each customer. Our commission does not influence the interest rate you are offered in any way.
Because you apply through us as a credit broker, credit checks may appear on your file lodged by finance companies you have not dealt with directly. Those agencies record details of such searches, which may be seen by other lenders assessing future applications from you or members of your household.
All finance applications are subject to status. Terms and conditions apply. UK residents only, 18s or over. Guarantees may be required.
We have taken steps to ensure that if, in the course of advising you, we make a recommendation, that recommendation will be suitable for your demands and needs at the time it is made. In assessing this we may seek information about your personal circumstances and objectives so we can identify your requirements. It is important that you provide us with accurate and relevant information.
You WILL NOT receive advice or a recommendation from us for insurance or finance products. We may ask some questions to narrow down the selection of products that we provide details on. You will then need to make your own choice about how to proceed.
We always aim to provide a first class service. However, if you have any cause for complaint, you can raise it by email, in writing or by telephone. Should you remain dissatisfied, you have the right to ask the Financial Ombudsman Service to review your case.
Details of RightDrive (UK) LTD's authorisation can be confirmed with the Financial Conduct Authority.
0800 111 6768fca.org.uk/registerAs an organisation we are committed to treating our customers fairly — before, during and after a sale.
Any significant and unusual exclusions or exceptions to the policy brought to your attention
A clear statement of price, including where applicable a breakdown of any interest charges
Details of your cancellation rights and our complaints procedure
Copies of your policy documentation, or information as to when these documents will be dispatched
No barriers to cancelling your policy within regulatory agreed time frames
Any complaint dealt with in a timely and professional manner
Contact with us at the address or telephone number above if you feel you have not been treated fairly by a member of our staff
Finance lenders will cross-check information with other lenders to prevent fraud, and may also use this information for statistical, marketing and debtor tracing purposes.
Under GDPR rules it is important you know where we send your personal data. We use your information in the ways listed here.
We would like to, on occasion, send you information about products, services and promotions we feel may interest you. By applying online you have consented to being contacted via email and text to discuss your application and approval.
You have the right at any time to stop us contacting you for marketing purposes. If you no longer wish to be contacted, email us at admin@rightdrive.co.uk.
To contact you from time to time about our other financial products or services (vehicle finance, vehicle insurance, vehicle purchase, credit score services and GAP insurance) by email and/or SMS, which we will only do with your express consent
To contact you and any person referred to by you in connection with your application or enquiry
To process and respond to requests, enquiries and complaints received from you
To identify a lender or other product provider and arrange for the provision of the loan or other products and services requested by you
To communicate with you about products and services provided to or requested by you, and to update our records
To analyse trends and profiles and carry out assessment and analysis, including credit and/or behaviour scoring, market and product analysis
For audit purposes and to carry out customer satisfaction research
To prevent or detect fraud
To meet our regulatory compliance and reporting obligations
To ensure that content from RightDrive Car Finance is presented in the most effective manner for you and your computer
To develop and improve our services to you and notify you about changes to our services
To enable third parties to carry out any of the above purposes on our behalf
Links to the finance houses we use, should you wish to read their privacy policies in full.
Read their privacy notice
Read their privacy notice
Read their privacy notice
Read their privacy notice
Read their privacy notice
Read their privacy notice
Read their privacy notice
Read their privacy notice
Read their privacy notice
You have the right to receive a copy of the information a lender or agency holds about you if you apply to them in writing and pay a fee. It is important that the information you give regarding this application is true, accurate and a full disclosure of all relevant information.
The full Initial Disclosure Document, exactly as it appears here, in one file you can save, print or share with someone helping you decide. If you would rather we posted or emailed you a copy, just ask.
If anything in this document isn't clear, ring us before you apply. We'll explain the process and what happens to your information at each stage.
RightDrive (UK) LTD t/a RightDrive Car Finance, Unit C1 Cranleigh Road, Fareham, PO16 9DR
A short application, handled by one advisor. Nothing is submitted to a lender until we've explained what happens next.
Finance is subject to status, affordability checks and lender approval. UK residents only, 18s or over. Guarantees may be required.
