Derby Motorhomes, The Auto-Sleeper Exhibition Centre and Motor Plus Motorhomes are all trading styles of Motor Plus Derby Limited, a dealership and limited liability company registered in the United Kingdom.
Our registered office is Chapel Street, Derby, DE1 3GU and company registration number 03473314.
Financial services authorisation, regulation and status
Motor Plus Derby Limited, Derby Motorhomes and Motor Plus Motorhomes are authorised and regulated for credit broking activities by the Financial Conduct Authority (FCA).
We are not a lender. Our FCA firm reference number is 676659 and for more information, please visit the FCA website at: https://register.fca.org.uk/.
Please note that business customers may not be protected under the consumer credit act 1974 or FCA rules.
Providing finance for you
We can introduce you (whether directly or via a specialist credit broker) to a number of finance companies (funders) who may be able to finance your transaction.
There are other funders to which we cannot introduce you which may be able to offer you finance.
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 to 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.
Independent financial advice
We are not independent financial advisors and so are unable to provide you with independent financial advice; we are, however, independent of the funders and brokers we work with.
Payment for our services and commissions
You don’t have to pay us for our service, but a funder or broker may pay us for introducing you to them. Different funders or brokers may pay us different amounts, but it will typically be based on a fixed percentage of the amount borrowed.
This percentage may vary according to different factors, for example the amount of credit; the age or type of vehicle; the type of finance product; the funder’s assessment of the risk of lending.
For your reassurance, we are not able to change the interest rate you pay in order to receive more commission from a particular funder or broker.
Although rates and commissions may vary between our finance partners, our aim is always to secure finance from them that is appropriate to your circumstances. If we are successful in obtaining an offer of finance for you and you would like to know the amount (or likely amount) we would receive if you decided to go ahead with the agreement and how that amount has been calculated, please contact us using the details above.
Use of information
We will use your information (in order) to obtain quotes from funders and brokers to process finance applications through them.
We or they may also conduct a search of your record held by one or more credit reference agencies. Credit checks may, as a result, appear on your credit file lodged by organisations with whom you have not dealt directly.
The personal information collected will also be shared with fraud prevention agencies who will use it to prevent fraud and money laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance or employment.
Further details of how your information will be used by us, funders and fraud prevention agencies and your data rights can be found here: https://derbymotorhomes.com/privacy-policy/
Before we make a finance proposal on your behalf, we will ask you some questions to help us determine your suitability for our hire purchase finance product and term of loan.
We will ask for information regarding your employment status, income, current financial standing and status, existing loans or finance agreements and whether or not you foresee any changes in your personal circumstances that would affect a potential lenders decision making.
If our staff feel that you are seeking finance under duress or that you may be vulnerable, they will disclose this information to potential lenders.
We will ask you to sign a consent form, which will also contain details of your answers to our questions, the financial product we have discussed and the term of the loan.
The consent form gives us your permission to pass-on your personal information and make a finance proposal on your behalf. This document also gives your consent to the potential lender/s to complete all and any checks they require to arrive at a decision as per the above section entitled “Use of information”.
We have a comprehensive complaints process to deal with all types of complaint; if your complaint relates to any aspect of our financial service offering to you, you will need to contact us, in the first instance to register your complaint.
In all instances however, if you need to contact us to complain, please do so by either
- writing to us at Derby Motorhomes, Chapel Street, Derby, DE1 3GU
- by emailing us at email@example.com
- by telephoning us on 01332 360222
All complaints will be dealt with in accordance with our published complaints procedure and may be viewed by following this link: https://derbymotorhomes.com/complaints/
If your complaint relates specifically to our financial service and after making your complaint you are still unhappy and feel the matter has not been resolved to your satisfaction, please contact the Financial Ombudsman Service (FOS – www.financial-ombudsman.org.uk ). Please note that the FOS may not be able to deal with complaints from business customers.