Finance Disclosure - Expedition Campers

Vehicle Finance Status Disclosure

Expedition Campers Limited

Frequently Asked Questions

Who are we?

Expedition Campers Limited is a dealership that sells vehicles and acts as a credit broker in arranging finance for vehicle transactions.

Address:
Eversley Garage
Stratford-Upon-Avon
CV37 8NY

Registered in England
Company Registration Number: 10551236

Telephone: 01789 336007

Are we authorised to arrange finance for you?

Yes, we are authorised and regulated for credit-broking activities by the Financial Conduct Authority (“FCA”). We are not a lender.

FCA Firm Reference Number: 771990

For more information, please visit the FCA website:
https://register.fca.org.uk/

Please note that business customers may not be protected under the Consumer Credit Act 1974 or FCA rules.

What can we do to help finance your vehicle?

We can introduce you (whether direct to a funder or through a specialist credit broker) to a limited number of finance companies who may be able to finance your transaction. There are other finance companies who we do not have a trading relationship with who may also be able to offer you a product, and you are free to approach them directly if you wish.

We will provide you with information and explanations about the finance products that may be available to you and, where we recommend a product to you, we will ensure that this is based on the information you give us about your needs and circumstances so that it is suitable for you.

Finance is arranged subject to status and terms and conditions. We cannot guarantee that we will be able to secure finance for you.

Can we give independent financial advice?

We are NOT independent financial advisers and are therefore unable to provide you with independent financial advice. This is because we will receive a commission payment for any successful application we introduce to a finance company (see below).

Do you have to pay for our service or do we receive any commission?

You do not have to pay us for our service. However, a finance company we work with will pay us for introducing you to them if your application is accepted and you decide to proceed.

Different finance companies will pay us different amounts of commission. Commission is calculated as a percentage of the amount of credit you take. The commission we receive may vary depending on:

The amount of credit taken
The finance company’s assessment of your credit risk

The amount of commission we will receive will be confirmed to you when your application is accepted by a finance company. This amount may change if acceptance criteria or deal terms change before vehicle delivery (for example, if the amount of credit changes).

The final amount of commission will be confirmed to you before you are asked to sign the finance documentation.

Please note that we cannot change the interest rate you pay in order to receive more or less commission from any particular finance company. While rates and commissions may vary between finance companies, our aim is always to secure finance that is appropriate to your circumstances.

If you feel you require or would benefit from impartial advice regarding your finance options, you must arrange this independently.

How will we use your information?

We will use your information to obtain quotes from funders and brokers and to process finance applications. We and/or they may conduct searches with one or more credit reference agencies.

As a result, credit searches may appear on your credit file from organisations with whom you have not dealt directly.

Your personal information may also be shared with fraud prevention agencies, who use it to prevent fraud and money laundering and to verify identity. If fraud is detected, you may be refused certain services, finance, or employment.

Further details on how your information is used, including your data rights, can be found in our Privacy Policy – Expedition Campers. A full data protection notice will be provided before any finance application is submitted on your behalf.

We are registered as a data controller with the Information Commissioner’s Office.
ICO Registration Number: ZA567572

What can you do if you wish to complain or contact us?

If you wish to make a complaint, please contact us:

By post:
Expedition Campers Limited
Eversley Garage
Stratford-Upon-Avon
CV37 8NY
By email: info@expeditioncampers.co.uk
By telephone: 01789 336007