Who are we?

At The Urban Dealership Limited, we operate as a credit broker, assisting with arranging finance for vehicle purchases. Our dealership is located at Rykel House, Purfleet Road, Aveley Essex, RM15 4DT and we are a company registered in England, under registration number 15352601. You can reach us at 0208 306 6932.

Are we authorised to arrange finance?

Yes, we are authorised and regulated by the Financial Conduct Authority (FCA) for credit-broking activities, but we are not a lender. Our FCA Firm Reference Number is 1013448. For more information, you can visit the FCA’s website: https://register.fca.org.uk/. Please note, business customers might not be covered under the Consumer Credit Act 1974 or FCA regulations.

How can we assist with your vehicle financing?

We can introduce you to various finance companies (“funders”) either directly or through a specialist credit broker who might offer finance for your vehicle purchase. Our trusted funders include Motion Finance. Although there are other funders we don’t work with, they may also be able to offer you financing. We will provide information on available finance options and, if we recommend a product, it will be based on your needs and circumstances. Finance is subject to terms, conditions, and status, and we cannot guarantee an offer will be made.

Do we provide independent financial advice?

No, we are not independent financial advisers, and we cannot offer independent financial advice.

Is there a fee for our service, or do we receive commissions?

There is no charge to you for our service, but the funders or brokers we work with typically pay us for introducing them to you. The payment we receive is usually a fixed percentage of the borrowed amount, which may vary depending on factors like the loan amount, vehicle type, or funder’s risk assessment. However, the interest rate you pay will not be adjusted to increase our commission. Our goal is to secure financing that suits your needs. If you would like to know the commission amount we receive, feel free to contact us using the details provided.

How do we use your information?

We use your personal details to obtain finance quotes and submit applications to funders or brokers. This process may involve a credit search with one or more credit reference agencies, which could show on your credit file. Additionally, your data may be shared with fraud prevention agencies for identity verification and fraud prevention. If fraud is detected, it could impact your access to services, finance, or employment opportunities. 

How can you contact us or file a complaint?

If you wish to raise a concern or complaint, please contact us by:

• Writing to: Complaints, Rykel House, Purfleet Road, Aveley, Essex, RM15 4DT
• Emailing: sales@theurbandealership.co.uk
• Calling: 0208 306 6932

If you’re not satisfied with our response, you may contact the Financial Ombudsman Service (FOS) at www.financialombudsman.org.uk. Please note that FOS may not handle complaints from business customers. Further details on our complaints process are available upon request or on our website at www.theurbandealership.com. You can also reach us by calling or emailing us at the above details, addressing your concerns to the Complaints Manager.