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IDD
Information Notice
About our Consumer Credit Service
1. The Financial Conduct Authority
The FCA is the independent regulator of financial services. This document is given to customers considering buying
certain financial products. You need to read this important document as it explains the service we offer.
2. Who We Are?
KENNEDY BROS.(ENGINEERS)LIMITED (we) are a dealership that sells vehicles and acts as a credit broker in arranging
finance for vehicle transactions. We are authorised and regulated by the Financial Conduct Authority, FRN: 667598. You
can check this on the Financial Services Register by visiting the FCA’s website at register.fca.org.uk. All finance is subject
to status. Terms and conditions will apply. Applicants must be 18 years or over. We act as a credit broker and not a
lender. KENNEDY BROS.(ENGINEERS)LIMITED is registered with the Information Commissioners Office under number:
ZC076353. VAT Registration: 209934741.
3. What products do we offer, and from whom?
We only offer products from a limited number of lenders
4. Which services will we provide you with?
You will not receive any advice or recommendations from us in relation to finance. We may ask you certain questions to
assist us in narrowing down the selection of products that we will provide your details on. We may use this information to
conduct a soft credit search to assess your eligibility for credit products. You will then need to make your own choice about
how to proceed. Once we submit your application to a third-party credit provider, they may conduct a hard credit search
which can negatively impact your credit score. We will always provide you with both the advantages and disadvantages of
the product types that are available to you.
5. Can we give independent financial advice?
We are NOT independent financial advisers and so are unable to provide you with independent financial advice due to the
fact that we will receive a commission payment for any successful application we introduce to a finance company (see
below).
6. What will you have to pay us for our services?
No fee
The lender may charge their own fees. These may include, but are not limited to documentation fees, option to purchase
fees, excess mileage charges or administration fees but this information will always be provided to you in the quote that
we provide. You will receive documentation from the credit provider before proceeding with any financial product which will
tell you about any fees relating to it.
We do not charge fees for our services however we will be paid a commission by the for the introduction that we make to
them. This is a financial incentive but also to facilitate the administration of the application. We will discuss commission
KENNEDY BROS.(ENGINEERS)LIMITED t/a Kennedy Bros. KENNEDY BROS.(ENGINEERS)LIMITED are authorised and regulated by the Financial Conduct Authority,
FRN: 667598. You can check this on the Financial Services Register by visiting the FCA’s website at register.fca.org.uk. All finance is subject to status. Terms and conditions
will apply. Applicants must be 18 years or over. We act as a credit broker and not a lender. KENNEDY BROS.(ENGINEERS)LIMITED is registered with the Information
Commissioners Office under number: ZC076353. VAT Registration: 209934741.
arrangements with you but have also provided as much information as is currently known here.
7. Commission
We have a commercial relationship with other brokers and lenders, the introduction we make is not impartial, but
we will make introductions in line with your needs, subject to your circumstances.
Commission received could be a flat fee or a percentage of the finance amount, depending on the lender .
For your reassurance, the lenders we work with will pay us commission at different rates. The commission we receive is
paid by the lender and is not added to your finance agreement, meaning it does not directly increase the total amount you
are required to repay. Different lenders may offer different interest rates and terms, but the commission we receive does
not influence the interest rate you will pay. The exact commission amount may be unknown until your application is agreed
in principle, but this will be disclosed to you before you enter into any finance agreement.
If you wish to obtain impartial advice on the full range of potential finance options that may be available to you, you will
need to make your own arrangements but are free to do so as part of the purchase of your vehicle.
To proceed with your application, you must confirm your understanding of these conditions and provide your explicit
consent for us to receive a commission for the introduction as detailed above. You can do this by signing at the end of this
document and returning a copy to us.
We will ensure you are provided with all the information required to make an informed decision for your individual
circumstances. If you would like to find out more about the commission that we earn, specifically to your introduction to the
lender, please let us know and we will be happy to provide this information prior to the agreement being agreed.
8. What to do if you have a complaint
Delivering excellent service to our customers is our number one priority at KENNEDY BROS.(ENGINEERS)LIMITED.
However, we do recognise that things may occasionally go wrong, and you may feel you have cause to complain.
Receiving your feedback is important to us as it enables us to learn from any mistakes and, where possible, to improve our
service. You can raise a complaint with us by email, phone or letter using the following contact information
In writing:Rotherfield Crowborough Sussex TN6 3LY
By email: ben@kennedyford.co.uk
By phone: 01892852286
How we will handle your complaint
We Will:
1. Endeavour to resolve your complaint as quickly as possible.
2. Acknowledge your complaint promptly and in writing (usually by email but we are happy to adapt to your
communication requirements).
3. Provide you with a final response to your complaint within 8 weeks of receipt.
If we cannot reach a resolution
If you are dissatisfied with our response, you can refer your complaint to the Financial Ombudsman Service (FOS). You
must do so within 6 months of our final response. The Financial Ombudsman Service is free and impartial, and you are
entitled to contact them at any stage of your complaint. More information can be found www.financial-ombudsman.org.uk
If you have a complaint about your lender
You can also raise a complaint directly with your lender. The complaints process for your lender will be set out within the
agreement you have with them. If you have any questions or require any assistance with this, please let us know.
9. Products On Offer
For regulated products
KENNEDY BROS.(ENGINEERS)LIMITED t/a Kennedy Bros. KENNEDY BROS.(ENGINEERS)LIMITED are authorised and regulated by the Financial Conduct Authority,
FRN: 667598. You can check this on the Financial Services Register by visiting the FCA’s website at register.fca.org.uk. All finance is subject to status. Terms and conditions
will apply. Applicants must be 18 years or over. We act as a credit broker and not a lender. KENNEDY BROS.(ENGINEERS)LIMITED is registered with the Information
Commissioners Office under number: ZC076353. VAT Registration: 209934741.
We are only able to offer finance products from our affiliated providers. Credit agreements offered to private individuals or
natural consumers are protected under the Consumer Credit Act 2006. Any complaints you have relating to regulated
finance products afford you the right to contact the Financial Ombudsman Service (FOS), who offer impartial advice free of
charge.
For unregulated products
Unregulated products such as finance with limited companies, or non-insurance warranties, are not regulated by the
Financial Conduct Authority (FCA) and therefore are not under the remit of consideration from the Financial Ombudsman
Service (FOS). These products are not regulated under the Consumer Credit Act 2006.
10. Additional Assistance
If you have any communication requirements or additional needs that we need to be made aware of, to ensure your
journey with us is as smooth as possible, please get in touch using the details below or speak to your account manager.
All information shared will be held confidentially and in line with our privacy policy.
In writing:Rotherfield Crowborough Sussex TN6 3LY
By email: ben@kennedyford.co.uk
By phone: 01892852286
Commission Consent
I certify that I have been informed that KENNEDY BROS.(ENGINEERS)LIMITED will receive commission from the lender
for facilitating my finance application. I agree to these conditions, as outlined above, and am happy for my application to
be progressed.