Terms & Conditions
These Terms of Business apply between you (the customer) and Sterling Vehicles Limited for the acquisition of motor vehicles via various funding methods.
We offer our services to you which include:
We will quote figures based on our funders rentals. The funder has the right to change or decline these quotes on receipt of the full proposal.
Our remuneration is a commission payment payable by the funder. We do not take credit for payments due until the funding has been paid out. You are entitled, at any time, to request information regarding any payment which we may have received as a result of placing your finance with a funder.
The Financial Conduct Authority
The Financial Conduct Authority is the independent watchdog that regulates financial services. Sterling Vehicles Limited is authorised and regulated by the Financial Conduct Authority as a Credit Broker. Our FCA register number is 625611 and you can check our status at www.fca.org.uk/register or by contacting the FCA on 0845 606 9966.
3 Sterling Vehicles Limited, who is authorised and regulated by the Financial Conduct Authority. We act as a credit broker and not a Lender.
Data Protection & Confidentiality – ZA093668
We are registered under the Data Protection Regulations and abide by the requirements of the Regulations. The information we receive from you is used to provide quotations and arrange finance with a funder. You have the right to cancel your authority to use such information. Before or after you enter into any agreement with a funder, to help make credit decisions, the funder will make a credit search with a credit reference agency. If you are a company or partnership they will also make enquiries about the principle director(s) or partner(s) with a credit reference agency. Full details of the use and disclosure of your information by the funder is contained within the terms and conditions of any agreement which you should read before signing.
All customers’ records are treated as private and confidential and Sterling Vehicles Limited therefore reserves the right to give you copies of your particular records rather than allow access to files containing records concerning other clients. If you want sight of your records please send a request to Karl Salt, Director in writing to Sterling Vehicles Limited, The Oast, 62 Bell Road Sittingbourne, Kent, ME10 4HE.
We are required to verify your identity in accordance with the Proceeds of Crime Act 2002 (POCA) and the Money Laundering Regulations 2007.
Your Right to Cancel
You have fourteen working days after you sign the contract during which you may cancel the contract without paying a penalty. This is known as the ‘cooling off period’. If you would like to cancel the contract you should request the cancellation in writing and post this to the company at the following address: Sterling Vehicles Limited, The Oast, 62 Bell Road Sittingbourne, Kent, ME10 4HE. – In some instances, funder permitting, you may be able to waive your rights to achieve an earlier delivery, please get in touch for further details.
What to do if you have a Complaint
It is the aim of Sterling Vehicles Limited to provide a very high standard of service to every client. It is important to us that all complaints are resolved as quickly as possible and to the complete satisfaction of our clients.
If you wish to register a complaint you must contact Karl Salt, Director in writing to Sterling Vehicles Limited, The Oast, 62 Bell Road Sittingbourne, Kent, ME10 4HE or by email to firstname.lastname@example.org or by telephone on 01795 899000. Our internal complaints procedure is available on request and on our website.
You may be entitled to refer a complaint against us to the Financial Ombudsman Service if you are not satisfied with our response. The contact details are as follows:
The Financial Ombudsman Service, Exchange Tower, London E14 9SR
Website – http://www.financial-ombudsman.org.uk/ E-mail: email@example.com
Tel: 0800 023 4567
Alternatively, you can contact the BVRLA:
Governing Body BVRLA (British Vehicle Rental and Leasing Association).
As a proud member of the BVRLA (the regulating body of the leasing industry), you can rest assured that we adhere to the very high standards of service expected with a big focus on Customer satisfaction.
Using the BVRLA’s conciliation service
Conflicts of Interest
If through exceptional circumstances Sterling Vehicles Limited or any of its Directors or other customers has a material interest in business you ask to be transacted for you, we will make you aware of the conflict of interest and we will obtain your consent before your instructions are carried out. A copy of our Conflicts of Interest Policy is available on request.
Treating You Fairly
We always aim to treat you fairly. This means that we will always endeavour to:
The English language will be used for all communications, the contractual terms and conditions, and any information we are required to supply to you, before and during the duration of the contract.
In order for us to fulfil our responsibilities to you, you must: