Legal & Compliance

Who are we?

Saxton 4x4 Limited is a credit broker, not a lender, authorised and regulated by the FCA for credit-related activities with reference number 300742.  This can be verified by viewing the financial services register at https://register.fca.org.uk/s/ or contacting the FCA on 0800 111 6768.

Our registered office is:

Saxton 4x4 Limited

Westway

Chelmsford

CM1 3BH

Our registered company number is 04873983.

Our ICO registration number is Z2103747.

We are independent from all lenders and product providers that we may introduce you to.

What do we offer?

Vehicle finance

Whilst we cannot finance the purchase of your vehicle ourselves we work with a diverse panel of carefully selected third-party lenders to whom we can introduce you and provide you access to a wide range of competitive products.  A list of all lenders we deal with is available on request. 

There are other lenders in the market that we do not deal with and cannot introduce you to and the panel is subject to change.

Finance is subject to status and terms and conditions and we cannot guarantee that you will be approved for finance.

Insurance services

We offer the following insurance products:

• Retail Price Protection (GAP)
• Tyre and Alloy Insurance
• Smart Repair Insurance

What services will we provide you with

We will ask you a number of questions in order to select products for your consideration and provide you with details. You will then be able to make your own choice on how you wish to proceed. We are not independent financial advisers and so are unable to provide any advice or recommendations.

We may seek information about your personal circumstances and objectives to enable us to identify your needs.  It is important that you provide us with accurate and relevant information enabling us to hone down the selection of the products offered, from which you can more easily make your choice.

What do we charge for our services?

No fee is payable by you to Saxton 4x4 Limited for our credit brokering services.

We may be paid a commission from the lender for deals that are written (typically a percentage of the amount advanced). The amount of commission paid to us may vary according to the interest rate charged by the lender, however, we cannot change the rate of interest in order to earn more commission from a lender.

If we obtain an offer for finance for you and you would like to know the amount that we would receive in commission if you accept the offer (and how that amount was calculated), please contact us at [email protected].

On request, or before entering into a contract, you will receive Pre-Contract Credit Information for products regulated by the FCA. This will tell you about any other fees relating to any particular product.

Terms and Conditions of sale

Our terms and conditions can be found here:

·        Retail Customer Terms and Conditions

·        Trade Customer Terms and Conditions

Are we covered by the Financial Services Compensation Scheme (FSCS)?

We are covered by the FSCS.  You may be entitled to compensation from the scheme if we cannot meet our obligations.  This depends on the type of business and the circumstances of the claim.

Further information about compensation scheme arrangements is available from the FSCS.

Affordability

You should assess the monthly payments that are required throughout the life of any finance agreement and ensure you are able to meet these obligations in addition to any other obligations you may have without suffering undue hardship.  If you are aware of any future events that will affect your ability to meet these payments, you should ensure the lender is informed immediately.

Your credit rating may adversely be affected if you do not make payments when due which could make it harder or more expensive for you to access finance in the future.

How do we use your information?

Throughout the process of obtaining finance for your vehicle, we will need to collect personal information from you (and potentially family members e.g. partner) and pass this information to one or more third-party lenders to enable them to make a credit decision. 

We will not disclose any of that information outside of the lenders to whom we have to send it for the purposes of obtaining finance.  Those lenders who require the information do so in order to conduct an affordability and credit worthiness assessment and will do so with your consent when you provide the information.

In cases where your initial application may be refused by the most suitable lender, further searches may be carried out with other lenders on the panel in order to find a lender that is willing to accept your application for finance. 

Neither the lenders nor Saxton 4x4 Limited, will use your information in order to provide you with promotional or marketing material unless you have specifically consented by opting-in to be provided with such material.

Further details on how we collect and use your information can be found in our Privacy Policy and Cookie Policy

Are there other finance providers?

You may be able to obtain finance or insurance for your purchase from other providers and you are encouraged to seek alternative quotations and details of their products by researching on the high street, in the media and online.

What should you do if you have a complaint?

We aim to treat you fairly and responsibly. We carefully consider the products we offer with you, our customers in mind and ensure the information we provide is clear and understandable and that you are not misled. Our complaints handling process is fair and accessible and if we’ve made a mistake, we will aim to resolve the matter.

A copy of our Complaints Procedure can be found here 

Modern Slavery Statement

Our latest Modern Slavery Statement can be found here