Additional terms and conditions

Commission Disclosure :
We are trading as a credit broker and not a lender, and are authorised and regulated by the Financial Conduct Authority. We can introduce you to a limited number of lenders while providing details of finance products available. We will not charge you a fee for an introduction but may receive a commission from the lender. Lender's commissions may vary and the commission received does not influence the interest you will pay. For questions about commission please speak to us Euro Distribution UK Ltd
Representative finance examples are for illustrative purposes only. Finance is subject to status and credit acceptance. Terms and conditions apply. Available to 18s and over and UK residents only.
Guarantees and/or indemnities may be required. Excess mileage and damage charges may apply when vehicles are returned

Complaints Policy :

If you wish to make a complaint, Please contact us by writing to us at Euro Distribution UK Ltd, Buxton House, Dawley Brook Road, Kingswinford, West Midlands, DY6 7BD or by emailing - sales@eurodistributionukltd.co.uk. We will send you a letter acknowledging receipt of your complaint within 7 days of us receiving the complaint.

We will then investigate your complaint. We will then either invite you to a meeting to discuss your complaint. We shall do this within 14 days of sending you the acknowledgment letter. Following the telephone conversation / meeting we will write to you to confirm what took place and any solutions we have agreed with you, Or send you a detailed written response to your complaint to include suggestions for resolving the matter. We will do this within 21 days of sending you the acknowledgment letter.

We will aim to have a full resolution within a 8 week deadline providing third party supplies are obtained within said time.

If you are still not reasonably satisfied with the response after following the above steps you must contact us again and we will arrange for a review of the decision. We will contact you within 21 days of receiving your request to review confirming our final position on your complaint and explaining our reasons.

After making a complaint to us you are still unhappy and feel the matter has not been resolved to your satisfaction, Please contact the Financial Ombudsman Service (www.financialombudsman.org.uk). Please note that FOS may not be able to deal with your complaints from business customers. Further details about our complaints procedure and FOS are available on request.

Vulnerable Customer Policy :

What is a vulnerable customer?
The Financial Conduct Authority (CA) defines a vulnerable customer as "someone who, due to their personal circumstances, is especially susceptible to detriment, particularly when a firm is not acting with appropriate levels of care.
The FCA expects firms like ourselves to treat customers fairly when we are dealing with people with vulnerable circumstances.
Identifying a vulnerable customer
Our staff are trained to identify vulnerable customers so we can take extra steps to assist outside of our standard procedures. However, it is not always possible to recognise these characteristics.
Therefore, if you believe you may fit the criteria for a vulnerable customer, please read this policy and notify us immediately of your particular needs
Signs we look out for:
Do they ask us to speak up or speak more slowly?
Do they understand what we are saying, or do they miss important bits?
Do they appear confused about what is being offered?
Do they ask any unrelated questions?
Do they keep wandering off the point in the discussion and talk about irrelevant things or things that do not make sense?
Do they keep repeating themselves?
Do they take a long time to answer questions or say that someone else deals with these things for me?
Do they have a language barrier?
Do they say they do not understand their statements, a previous phone conversation or recent written correspondence?
Vulnerability groups
We recognise that certain groups of customers may be vulnerable. Whilst not all customers in these groups may be vulnerable, we will consider a customer's individual circumstances where a potential vulnerability is identified. These groups may include, but are not restricted to:
Customers with communication difficulties (including learning difficulties and English not being their first language, dyslexia).

Customer with health issues - illness, whether physical or mental illness, severe or long term.
A sudden diagnosis of serious iliness to the customer or close family member
Personal circumstances of the customer - factors such as financial difficulties, bereavement, caring responsibilties, or redundancy.
The customers age particularly older and younger people. For example, a younger person may be considered inexperienced and the older person may be less technologically able
Steps we take if we believe a consumer may be vulnerable:
We speak slowly, clearly and explain fully.
We are patient and empathise where appropriate.
We dont rush as it may sometimes take the consumer time to get relevant information together such
at every point and always ask if there is anyining else, they would like Us to
consumer to explain to us what they understand the agreement to be
We offer alternative types of communication - phone, post, email, in person.
the person we are dealing with is sighted as they may be unable to
ad serial numbers or account numbers.
assumptions that the person we are talking to can hear everything we say as they
that the person we are speaking to may sometimes be forgetful or overly
as regrecentative is always achno in their best interest
may be lonely and welcome the opportunity just to talk to someone. explain their circumstances fully and don't interrupt or appear impatient. being said for example lack of questions about price, lack of
in discuss matters as some pecole may perform better at

We ask if they need to discuss the matter with anyone else, or if they would like us to explain anything else, or if there anything else we can do further to help.
We are always prepared to repeat anything to clarify understanding.
We do not assume that they fully understand all the implications of the agreement and explicitly and clearly confirm all the important points.
We ensure that the consumer is not flustered, agitated or in an emotional state when they make a decision
We suggest that they talk it through with someone else and offer to contact them when they have had a chance to talk with the 3rd party. If appropriate we suggest that a third person could be present.
Post Contract:
If we identify communication needs, we store that information so future communication is handled appropriately.
We record that we are satisfied that the consumer completely understood everything that was discussed
We allow consumers to make a personal declaration about their capabilities or communication needs and store this information.
Any records that are held are with the full knowledge and consent of the consumer and are deleted when the relationship no longer exists in accordance with the Data Protection Act 2018
If we identify a person who may be in need of specialist advice which we are unable to offer: