You will be glad to know that all our used cars are HPI checked for outstanding finance, insurance write off accident, insurance write off theft, vehicle ID, security watch, stolen and condition inspected. Our used cars (excluding classic cars) all come with a warranty. Please ask for full warranty details and exclusions.

Used Cars and Classic Cars sold by us

All our cars are checked prior to delivery and they come with 6 months warranty unless over. Should you wish to do so then the opportunity to extend the warranty beyond the initial period is also available please ask for details.

Classic Cars Broker Service

If we are acting as a broker for a classic vehicle seller for which we recieive a commission for introducing the buyer to the seller but do not sell the car ourselves the buyer must satisfy themselves of the condition of the vehicle prior to purchase as the liabilty for all repairs post purchase will fall to the new owner.

 

Treating Customers Fairly Policy

Introduction SAC Cars and Aviation Ltd are a credit broker not a lender. We are authorised and regulated by the Financial Conduct Authority. FCA No:736674 Finance is Subject to status. Other offers may be available but cannot be used in conjunction with this offer. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. Registered in England & Wales: 08863398 Registered Office: Address:Cotford Road, Sidbury, Devon EX100SQ. SAC Cars and Aviation Ltd are 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 emended and rooted through everything that we do. This principle u nderpins how we operate and function as a business. Purpose This policy is to outline the responsibilities of SAC Cars and Aviation Ltd towards our customers to ensure we treat them fairly under the FCA’s principle. Background All firms regulated by the FCA ha ve to support the FCA Sourcebook’s principle that a firm ‘must pay due regard to the interests of its customers and treat them fairly’. The TCF (‘treating customer fairly’) principle aims to raise standards in the way firms carry on their business by intro ducing changes that will benefit consumers and increase their confidence in the financial services industry. Specifically, TCF aims to: o o o Help customers fully understand the features, benefits, risks and costs of the financial products they buy. Minimise th after a sale. e sale of unsuitable products by encouraging best practice before, during and All firms must be able to show consistently that fair treatment of customers is at the heart of their business model and above all, customers expect financial serv meet their needs from firms they trust. TCF Outcomes ices and products that What does treating customers fairly (TCF) mean? Firms are responsible for making sure customers are treated fairly. The FCA’s principles apply to all business behaviour and in part icular Principle 6 says: ‘A firm must pay due regard to the interests of its customers and treat them fairly’. The TCF principles aim to raise standards and increase consumer confidence in the financial services industry. The TCF initiate aims to delive ? Outcome 1: r six outcomes. Consumers can be confident they are dealing with firms where the fairtreatment of customers is central to the corporate culture. ?Outcome 2: Products and services marketed and sold in the retail market are designed to meet the needs of identified consumer groups and are targeted accordingly. ?Outcome 3: Consumers are provided with clear information and are kept appropriately informed before, during and after the point of sale. ?Outcome 4: Where consumers receive advice, the advice is suitable and takes account of their circumstances. ?Outcome 5: Consumers are provided with products that perform as firms have led them to expect, and the associated service is of an acceptable standard and as they have been led to expect. ?Outcome 6: Consumers do not face unreasonable post-sale barriers imposed by firms to change product, switch provider, submit a claim or make a complaint. At SAC Cars and Aviation Ltd we are dedicated to treating customers fairly and putting our customers at the heart of everything we areas of our day to day activities. As a result, TCF an integral part of our culture and is embedded in all aspects of business and values. What you can expect from us Our STANCE on TCF shows what TCF means to us. It takes into account the six FCA outcomes: S – Suitable products – Outcome 2 T – Transparent information – Outcome 3 A – Appropriate advice – Outcome 4 N – No post sale barriers – Outcome 6 C – Confidence in our culture – Outcome 1 E - Expectations fulfilled – Outcome 5 As a business we need to ensure TCF is bred in our culture and in our values, we will achieve this through: Suitable Products ?Carrying out income, expenditure and suitability checks to ensure affordability and sustainability. ?Manually underwriting all customer applications to ensure the most suitable and appropriate funder is selected based on the customer’s credit profile, employment and vehicle, to reduce the negative impact on the customer credit history. ?Ensuring the Consumer Credit Information document is provided before entering the customer enters into any agreement, ensuring the customer fully understand what they are committing to. Transparent information ?Offer a transparent and professional service to help customers make an informed choice. ?Making sure that any promotional material is clear, compliant, jargon free and appropriately targeted. ? Ensuring Sales Executives and all customer facing Employees have thorough training on all products, so they have a full understanding of the features and benefits to be able to pass this information on to the customer.  ? Providing customers with clear accessible literature and product information.  ? Making the customer journey as easy as possible and getting it right first time Appropriate advice ? Providing ongoing feedback, coaching, developing and training for all our staff.  ? Training non-sales staff to implement TCF in their day to day business activities to improve the culture within the businesses.  ? Ensuring Employees are kept up to date with relevant training in relation to competence, data protection and other matters directly affecting the quality of service offered to customers.  ? Holding TCF focus groups where staff can provide feedback on the customer journey and processes and encouraging staff to submit process improvements and feedback on documents, criteria and the customer journey.  ? Keeping staff informed of issues identified through monitoring, recording of complaints and dissatisfaction. No post sales barriers ? Having a process in place to record dissatisfaction and complaints and having a fully trained complaints handler to deal with these.  ? Keeping customer records of all conversations before and during the application and recording relevant information on company systems so we can deal with any complaints that may arise swiftly and fairly.  ? Making sure customer complaints are assessed fairly, promptly and impartially, and in line with FCA deadlines and rules. Confidence in our culture ? Having processes in place to identify and combat money laundering and fraud.  ? Only proposing each customer with suitable lenders.  ? Continual monitoring and quality checks through call, case and process monitoring. Implementing sales remuneration packages that promote the TCF culture and customer satisfaction, rather than awarding sales volumes.  ? Department Managers to Complete monthly reviews as well as coaching/training sessions with all Employees.  ? Having strong ethical Values that are evidenced in the workplace. Expectations fulfilled ? Having and encouraging a solution (process) in place for customers, dealers and funders to provide feedback.  ? Ensure we implement a contact questionnaire with clients after a deal has been concluded to help or improve on the service already offered.  ? Monitoring and reporting on all of the above TCF activities as part of the company’s monthly statistics/MI, to assess TCF performance across the businesses.  ? Ensuring that TCF values, which are set and communicated by Senior Management, are supported by all staff and understood in the same way. How we work with you We want to work with you in a way that is TCF so that you can enjoy the best possible service from SAC Cars and Aviation Ltd So that we can deliver this, we rely on you to: o o o o o o Provide ac curate information. Ask us if you are uncertain about any aspect of the product or service. Read any literature made available to you. Use coolingoff periods to consider whether to go ahead. Keep us up to date if any of your circumstances change. Let us k now straight away if you feel that you have been treated unfairly so that we can try our utmost to put this right for you. What do you do if you feel you've been treated unfairly? If you feel that you have been treated unfairly then it is important that you let us know so that we can investigate this straight away. If you wish to make a complaint you can do so Handling Procedure. via our Complaints Procedure.

Initial Disclosure Document

The Financial Conduct Authority (FCA) is the independent regulator of financial services. Use this information to decide if our services are right for you. SAC Cars and Aviation Ltd Cotford Road, Sidbury, Devon EX100SQ - United Kingdom is authorised and regulated by the Financial Conduct Authority (our registration number as a credit broker is 736674 and we are included on the Financial Services Register. Initial Disclosure Document - Consumer Credit Your Finance Options As an FCA-regulated credit broker we can introduce you to a selected group of lenders (a list is available on request) who may be able to help you finance your purchase. This group of lenders provides us with a range of products which may be suitable for your purchase. We will explain the key features of those products to you. We do not charge fees for our Consumer Credit services. We may receive a commission payment or other benefits from finance providers should you decide to enter into an agreement with the finance provider. We have taken steps to ensure that if, while advising you, we make a recommendation; such recommendation will be suitable for your demands and needs at the time the recommendation is made. In assessing your demands and needs we may seek such information about your personal circumstances and objectives as might be relevant to enable us to identify your requirements. It is important that you provide us with accurate and relevant information. We always aim to provide a high quality level of service, however if you have any cause for complaint any enquiry can be raised by contacting us using the address and telephone number below. 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: Financial Ombudsman Service, Exchange Tower, London, E14 9SR. As an organisation we are committed to treating our customers fairly, before, during and after a sale. Before the sale you can expect: To have any significant and unusual exclusions or exceptions relating to the finance agreement brought to your attention A clear statement of price, including where applicable a breakdown of any interest charges Details of your cancellation rights and our complaints procedure Copies of your finance agreement 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 finance agreement 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 by either sending a letter to SAC Cars and Aviation LTD, Cotford Road, Sidbury, Devon EX100SQ or calling us by telephone on 01395 597660 Confidentiality and Data Protection Your information will only be disclosed/provided to third parties for the purposes of providing, arranging, administering, and renewing finance contract(s) and for the purposes of monitoring and/or enforcing compliance with regulatory rules/codes. For full details of where your information will be sent and the purpose of such data 

Initial Disclosure Financing your vehicle - Frequently asked question

Who are we?

SAC Cars and Aviation Ltd t/a SAC Cars and Practical Car and Van Rental.
Tel: Sidmouth 01395 597660 Exeter 01392 790004
Email: steve@sac-cars.com
Webiste: www.sac-cars.co.uk

Who regulates us?

The Financial Conduct Authority (FCA) is the independent watchdog that regulates financial services.

For the provision of finance, SAC Cars and Aviation Ltd is authorised and regulated by the Financial Conduct Authority, firm reference number 736674.

You can check this information at https://www.fca.org.uk/

Use this information to decide if our services are right for you.

Which service will we provide for you?

We can introduce you to a number of lenders who may be able to help finance your vehicle.

This group of lenders provides us with a range of products which may be suitable for your vehicle purchase or leasing requirements.

We will explain the key features of those products to you and make a recommendation based on the affordability which is suitable for your demands and needs at the time it is made.

We are not Independent Financial Advisers and so are unable to provide you with independent financial advice. There are also other sources of finance which you may wish to investigate.

We may receive a commission payment from finance providers should you decide to enter into a finance agreement with them via us.

Our Insurance Services:

At present we do not offer any insurance products.

What to do if you have a complaint

Complaints Policy

If you wish to make a complaint please contact a member of staff at SAC Cars and Aviation Ltd either at Exeter or Sidmouth. If they are unable to resolve your complaint then to register a complaint contact us by either:

Email: steve@sac-cars.com

Telephone: Sidmouth 01395 597660 or Exeter 01392 790004

If you wish to write to us, please write to write to us at our registered office: SAC Cars and Aviation Ltd, Cotford Road, Sidbury, Devon EX100SQ.

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