Address: 1 Boucher Crescent, Belfast, County Antrim, BT12 6HU
Tele: 028 90682255 Fax: 028 90660707
Initial Disclosure Document – Consumer Credit
The Financial Conduct Authority (FCA) is the independent regulator of financial services. Use this information to decide if our services are right for you. Mervyn Stewart Limited is authorised and regulated by the FCA (our registration number if [674222]) and is permitted to advise on and arrange consumer credit contracts.
Your Finance Options
We are a credit broker and not a lender. We can introduce you to a limited number of lenders and their finance products which may have different interest rates and charges. We are not an independent financial provider; we will provide details of products available from lenders that we work with, but no advice or recommendation will be made. You must decide whether the finance product is right for you. We do not charge you a fee for our services. Whichever lender we introduce you to, we will typically receive a commission from them (either a fixed fee or a fixed percentage of the amount you borrow). The lenders we work with could pay commission at different rates. However, the amount of commission that we receive from the lender does not have an effect on the amount that you pay to that lender under your credit agreement.
We always aim to provide a first class service, however if you have any cause for complaint an enquiry can be raised by contacting us using the address and telephone number above. Should you remain dissatisfied you have the right to ask the Financial Ombudsman Service to review your case. You should write to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone 0800 023 4 567.
As an organisation we are committed to treating our customers fairly, before, during and after a sale. We do not provide advice or recommendation but give information to enable you to make an informed decision.
Before the sale you can expect:
- To have any significant and unusual exclusions or exceptions to the policy brought to your attention
- A clear statement of price, including where applicable a breakdown of any interest charges
- Details of your cancelation rights and our complaints procedure
- Copies of your policy documentation or information as to when these documents will be dispatched
After the sale you can expect:
- Not to encounter any barriers to cancelling your policy within regulatory agreed timeframes
- To have any complaint dealt with in a timely and professional manner
If at any time you feel you have not been treated fairly by any member of our staff please contact us at the address or telephone number above.
Confidentiality and Data Protection
Your information will only be disclosed to third parties in the normal course of arranging and administering finance contract(s). For full details of where your information will be sent and the purpose of such data transfer, please ask us.