What is an Initial Disclosure Document?

The Financial Conduct Authority (FCA) is the independent regulator of financial services. The FCA require us to provide you with a document called an 'Initial Disclosure Document'. This document provides information about us, the products we offer, the services we will provide, what we charge for our services, who regulates us and what to do if you have a complaint.

Who regulates us?

We are authorised and regulated by the Financial Conduct Authority for credit brokerage. Our FCA number is 1051752. You can check this on the FCA's website www.fca.gov.uk/register or by contacting the FCA on 0300 500 8082.

Treating customers fairly

Rainton Bridge Motors is committed to ensuring that the FCA principle of treating customers fairly (TCF) is applied in all areas of our day-to-day business activities. We aim to ensure that the TCF principle is embedded and rooted in everything that we do. This principle underpins how we operate and function as a business.

Which service will we provide you with?

We offer a non-advised service, meaning we cannot give you advice or a recommendation on products. But in assessing your application we will ask you for information to enable us to identify your needs and present a selection of products relevant to your requirements. You will then need to make your own choice about how to proceed. You will receive the pre-contract credit information which will detail the Terms & Conditions of the product you have chosen and advise you about any other fees and interest relating to the product.

What products do we offer?

We offer a limited number of finance products from a selected panel of lenders. Customers can view these products on our website https://www.rbmotorsltd.co.uk/ or through talking with a member of staff in our showroom. We would advise you to consider your options and decide if they meet your requirements. Rainton Bridge Motors is a credit intermediary, not a financial advisory service nor a lender.

What will you have to pay us for our services?

We do not charge a fee for the introduction to the finance provider.

Commission Disclosure

We will typically receive a commission payment from the finance provider if you decide to enter into an agreement with them. The amount of commission can be made available to you upon request over the phone and/or in writing.

Suitability and Affordability

We aim to support and tailor our service appropriately to those customers who may be particularly vulnerable due to their current circumstances or recent life events. If you have a disability, physical or mental health condition, feel vulnerable due to a change in personal circumstances, or just need extra support please let us know and we will do our best to help you. You should make sure you have sufficient time and support to assess the information given to you and ensure the funding option offered is suitable for you and meets your requirements. If you are unsure, please don't hesitate to ask us for further explanations, help and support.

It is important that you only enter into an agreement if you can comfortably afford the repayments. You should assess the monthly payments you are required to make throughout the term of the agreement and ensure you can meet these and other current obligations without suffering undue hardship. If you are aware of any changes in your life or your household circumstances that may affect your ability to maintain your loan repayments, please make us aware. Your credit rating could be adversely affected if you do not make payments when due which could make it harder or more expensive for you to access finance facilities in the future.

What to do if you have a complaint

If you wish to make a complaint, the first step is for us to understand your complaint. You can contact us by:

  • Phone: 07545 912820
  • Post: Rainton Bridge Motors, 41 Bridle Way, Houghton le Spring, Tyne and Wear, DH5 8NQ
  • Email: sales@rbmotorsltd.co.uk

Please provide your name and a contact number where we can reach you between the hours of 09:00–17:00 Monday to Friday.

We will promptly acknowledge your complaint in writing, investigate your complaint and endeavour to send you a final response within 8 weeks of receipt of the complaint. If we are unable to provide you with a final response within this time, we will send you an update. If you are not happy with our response, and you are an eligible complainant, you can escalate your complaint to the Financial Ombudsman. You must do so within six months of the date of the final response letter. You can contact them:

  • By phone: 0800 023 4567
  • By post: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR.
  • By email: complaint.info@financial-ombudsman.org.uk

What our customers say about us

Our Reviews

Just purchased a VW Scirocco from Jamie at Rainton Bridge motors for my son, Excellent service from the start to final paperwork completion, Jamie is very trustworthy and a pleasure to deal with, nothing was too much bother. The car was immaculate inside and out with all the paperwork in order, he even delivered the car to my house and surprised my son who had no idea he was getting it. I would have no hesitation in recommending anyone interested in any of his cars to give him a call
— Darren Yorke
Bought a lovely Peugeot 3008 this week he went above and beyond everything agreed as it was advertised presented excellent so friendly would definitely recommend Jamie a great experience nothing was a bother
— John Carter
Purchased a Mazda CX-5. Car was in great condition, the buying experience was faultless, and Jamie was a delight to work with. A+++++ Highly recommended.
— Paul Nedley
Jamie was so helpful lifted us at airport took us to his house to lift our immaculately prepared new car 5 star service with a personal touch.
— John Benson
I had an excellent experience purchasing a Ford Ranger from Rainton Bridge Motors. The dealer offered a very competitive price and provided a very reasonable delivery fee, meeting me all the way in Peterborough as I was traveling from London. He was incredibly patient and understanding when I faced some issues with the bank transfer and demonstrated a high level of honesty and professionalism throughout the entire process. I highly recommend them to anyone in the market for a vehicle.
— Eoin O'Brien
5 star experience. From the initial viewing of the car, to a local area test drive, to part-exchange of my vehicle, to picking up the car the following week, to the completion of required documentation, and to the final transfer of funds. Brilliant purchasing experience, due to no pressure applied to the initial sale of the car. Equally, all car pre-history documentation was available to view, on the day, and I was also offered the ability to have a short test drive of the vehicle on the day. I highly recommend Rainton Bridge Motors Ltd, and was even offered a sandwich whilst completing final transfers of documentation, the following week.
— Redders 13
Jamie was very helpful and polite, great car was perfect. Best quality and service I have experienced from any dealer, very welcoming and treated me with great respect. Lovely Merc I got, was amazing. Best dealer about 👍
— Adam Burnham
By chance, we found Jamie, and from start to finish, the first call to driving away in a car we have been looking for a while has been a pleasure. Very professional and courteous. Nothing is a bother. Even pointed out a minor issue that i hadn't spotted. I have com plete trust that his cars are carefully selected presented and sold to a high standard and with a warranty offer to back it up. Excellent experience. We will definitely do business with Jamie again.
— Tiernan Hawley
A great buying experience from Rainton Bridge Motors - Jamie was a pleasure to deal with from start to finish and really happy with our new car.
— AJ
The attention to detail from Jamie, in listening to what we were looking for was brilliant. Taking our wish list and matching it with a lovely VW Arteon. Jamie is not pushy, he’s very relaxed and makes buying a car feel like an easy experience! We will definitely use Rainton Bridge Motors again. Keep up the good work.
— Morgan Stanton
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