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TERMS OF BUSINESS

Regulation

Refleet Limited is authorised and regulated by the Financial Conduct Authority (FCA) and is permitted to act as a credit broker only, we are not a funder or a finance provider. FCA Firm Reference Number is FRN 737217. You may check this information on the FCA’s Register by visiting www.fca.org/register or by contacting the FCA directly on 0845 606 1234. Not all product types offered by Refleet Limited are regulated by the FCA, and you will be advised in advance of any such proposal or service.

 

Contact Us

Should you have any additional questions in relation to any information included in this document, please contact us directly. Refleet Limited are available to answer queries via the following details:

  • Address: Refleet Limited, Kyme Barn, North Kyme Fen, LN4 4DP

  • Telephone: 0333 090 5545

  • Website: www.refleet.co.uk


Our Services

Refleet Limited arrange finance with a finance provider on your behalf after you have agreed to the cost and finance provider charges. We offer a range of products from a select panel of finance providers. Our staff will advise and make recommendations for you based on an assessment of your needs and affordability. We will quote figures based on our finance providers pricing. The funder has the right to change or decline these quotes based on receipt of the full proposal.
We are not linked to any of our lending panel members. We may occasionally approach more than one finance provider from our select panel of finance providers in order to obtain a credit acceptance. This may result in more than one credit search being registered. Additional information may be required by finance providers.
You (the consumer) also acknowledge that any organisation approached for credit will need to undertake credit checks with a credit reference agency which may affect your credit rating. Where possible, we will aim to restrict the number of credit checks we carry out against you. We will conduct a confirmation of your financial suitability via an affordability check. The selected finance provider may check this again using a credit search or check.
Non-payment of credit agreements may affect your credit rating and may result in the vehicle being repossessed by the finance provider or action being taken via the County Courts. This may also affect your chances of being accepted for credit in future.
Alternative sources of finance may be available to you (for example, from other credit brokers or finance providers, or through banks or internet aggregators). We recognise that it is important for customers to be able to shop around for alternative sources of credit. 

 

Remuneration

We do not charge a fee for our service, but may receive a commission from the product provider. You are entitled at any time to request information regarding payment which we may receive as a result of placing your finance with a finance provider. 

 

Customer Responsibilities
In order for us to fulfil our responsibilities to you, you must:

  • Read the documentation provided to you, and let us know if anything is unclear or does not

    represent your needs and requirements

  • Comply with the terms and conditions of agreements we may arrange for you. 

 

Treating Customers Fairly

At Refleet Limited, we always aim to treat customers fairly. We pride ourselves on being able to consult, educate, and advise our customers on how best to acquire and run their vehicles. We meet client needs through a range of quality products and exceptional customer service. We constantly monitor our ability to achieve these standards through

  • Benchmarking performance against quality standards

  • Internal audits and quarterly reviews of management information

  • Customer satisfaction surveys

If you would like to discuss or request a full copy of our Treating Customers Fairly policy, please contact hello@refleet.co.uk 

 

Complaints

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

Our business is covered by the BVRLA Conciliation Service and the Financial Ombudsman Service. Any financial services complaints we cannot settle may be referred to either the BVRLA or the Financial Ombudsman Service. A copy of our Refleet Limited complaints handling procedures can be supplied upon request. If you would like a copy of these procedures please contact us:

  • Address: Refleet Limited, Refleet Limited, Kyme Barn, North Kyme Fen, LN4 4DPDQ

  • Email: hello@refleet.co.uk 

 

Data Protection
We are registered under Data Protection Regulations and are certified by the Information Commissioner’s Office (ICO) with registration number ZA192208. All information held about you by Refleet Limited is held in strict compliance with UK Data Protection Legislation. For full details, please contact us on hello@refleet.co.uk.

 

Our Products
We have a number of finance options on offer. It is important that you are aware of all finance options available to you when making your decision, and that you are adequately informed on all options. Please note that some finance options may not be applicable depending on your circumstances. For further information on the types of finance options available please visit the Finance and Leasing Association website: www.fla.org.uk or the Money Advice Service website: www.moneyadviceservice.org.uk
Always consult with your finance provider for full terms and conditions and contract details prior to signing an agreement. 

Complaints
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