Terms of Business

1. Who are we?

a. The Really Easy Group Limited trading as Really Easy Car Credit is a company registered within England and Wales, company number 09525464.

b. Our Registered Address is Newcastle Motorworld, Sandy Lane, Gosforth, Newcastle upon Tyne, Tyne and Wear, NE3 5HE.

c. Our friendly team is on hand to support you within this journey and to answer any questions you may have.

d. As a used car dealer, our aim is to obtain the best financial acceptance to fit your circumstance and provide you with a high-quality vehicle. We work with a variety of finance partners in order to help you obtain an acceptance.

e. Treating Customers Fairly (TCF) is a core part of our culture and we are committed to ensuring you receive a product suitable for your needs and circumstances.

2. Contact us

a. Should you have any questions prior to making an application, or have any queries during or after your application has been made, you can contact us on the following information -

E: [email protected]
T: 0191 580 4227
P: Newcastle Motorworld, Sandy Lane, Gosforth, Newcastle upon Tyne, Tyne and Wear, NE3 5HE.

3. Regulation

a. In order to carry out our activities, we are authorised and regulated by the Financial Conduct Authority ('FCA').

b. Our FRN is 689921, you can check this here - https://register.fca.org.uk/s/

c. We act as a credit broker, not a lender.

4. Fees and Commissions

a. You will not be charged a fee for using our services; however, we must inform you that we may receive a commission payment for introducing your details.

b. This commission will not impact any rate, amount or acceptance you are offered and is an agreed fixed payment or percentage.

c. This may vary by lender/finance partner.

d. You have the right to request information on our commission at any time using the above contact details.

5. Finance Options

a. In order to assist you with obtaining vehicle finance, your details will be passed over to finance providers with whom we work with.

b. Our finance providers, in order to assess your creditworthiness, will check your information with credit reference agencies, and potentially fraud prevention agencies.

c. They will also use the information that you have provided us to assist them in assessing your current status and affordability.

d. It is important that all the information you provide is accurate and up to date.

e. Please note that we cannot guarantee an acceptance and all potential finance is subject to terms and status.

f. Before entering into any agreement, you should ensure you have fully read and understood the agreement you are considering entering into.

g. We encourage you to take the time to read through any documentation provided, and please do ask any questions you may have.

h. It is incredibly important you understand the type of agreement you are entering into along with your rights under the agreement such as (but not limited too) Distance Selling and the 14-day rule, Post Contract and your rights if there is an issue with the vehicle, Cancellation and what would happen should you not be able to keep up with the repayments.

i. Our team is happy to answer any questions or go through anything in further detail, please contact us on the above.

j. We will never provide you with a recommendation or advise you on certain products, however our partners will provide you with all the information required within your Pre-Contract Information to assist you in making an informed decision.

6. Affordability

a. It is extremely important that you look into finance options that are suitable for your current (and potential future) financial situation.

b. We will go over all your details to ensure we have the correct information to pass onto our partners, who will then try to verify the information. However, please note that evidence of your income may be requested.

c. If you are aware or suspect that your financial position will change in the future, you must inform us or the finance partner directly.

d. Your credit rating could be adversely affected if you do not make payments when due.

7. Vehicle Options

a. If we are unable to reserve the vehicle or offer you a test drive on the specified date, we will inform you of this by email.

b. This might be because the vehicle has already been sold, because of unexpected limits on our resources which we could not reasonably plan for, because a credit reference we have obtained for you does not meet our minimum requirements, because we have identified an error in the price or description of the vehicle or because we are unable to meet an agreed deadline.

c. We will not process on a vehicle until we have your instructions, or you have placed a deposit.

d. If we are unable to contact you using the contact details you provided during the order process, we will treat the order as cancelled and notify you in writing.

e. However, if we mistakenly accept and process your order where a pricing error is obvious and unmistakable and could reasonably have been recognised by you as a mispricing, we may cancel the processing and refund you any sums you have paid.

f. We will use all reasonable endeavours to meet any dates specified in the Confirmation, but any such dates are not guaranteed.

g. If you wish to make a change to a date you have booked for a test drive, please contact us as soon as possible to book an alternative date. We may not be able to guarantee that the vehicle will still be available. The reservation/booking fee is only a good faith deposit and placing an Order does not guarantee we will not sell the vehicle to another customer before the reservation period has expired. However, if we do so, we will, of course, refund the reservation/booking fee in full.

h. Upon receiving full payment of the vehicle, it is our guarantee that we will provide you with all vehicle documentation and carry out numerous checks to ensure the vehicle meets our high standard requirements.

i. Please note all cars are sold with an inhouse 3 month parts and labour warranty, however if you are purchasing a vehicle for business purposes (such as a taxi), this warranty will be void. If you are unsure at anytime, please contact our team.

8. Complaints

a. If you wish to make a complaint, please do contact us using the contact information above.

b. For full information on how we handle complaints, please see our Complaints Procedure.

9. Your Information

a. In order to process your application, you will need to provide us with some of your personal information. We pride ourselves on handling your information in the most secure and professional way we can.

b. Your data will not be processed without your explicit consent for us to do so, therefore if you do not wish for your application to be processed, we kindly ask that this is not submitted.

c. As mentioned above, your information will be passed over to our finance partners in order to try to obtain you a finance acceptance. Whilst we have assessed the partners we work with; we have included their information within our privacy policy so you can fully research how they will use your information.

d. For further detail on how your information is used by us and who it will be shared with, please view our Privacy Policy.

e. Our ICO number is ZA153723.