Initial Disclosure Document


Who regulates us?

The Financial Conduct Authority (FCA) is the independent watchdog that regulates financial services.
Use this information to decide if our services are right for you.

Ridge West Garage is authorised and regulated by the Financial Conduct Authority, Firm Ref No 621098 is a trading name of Ridge West Garage.

You can check this on the FCA Consumer Credit Register or by contacting the FCA directly on 0300 500 8082

What products do we offer?

Ridge West Garage offer products and services from a range of Finance and Leasing Companies, UK Vehicle Dealerships and Product Providers with whom we have commercial agreements in place.
We are a commission and fee based organisation which means that we receive commission and fee payments for business introductions and providing our services.
We will receive financial remuneration which may be variable or pre-set dependent on the product and the volume that we place with that organisation.

Which service will we provide for you?

Our Finance Services:
For the provision of finance, Ridge West Garage is authorised and regulated by the Financial Conduct Authority, firm reference number 621098 and are permitted to advise on and arrange consumer credit contracts.

As an FCA regulated credit broker, we can introduce you to a limited number of lenders and leasing companies (a list is available on request) who may be able to help you finance your vehicle purchase or provide vehicle leasing solutions.
This group of lenders and leasing companies 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 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 (s) or other benefits 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

If you wish to make a complaint please contact Ridge West Garage by telephone or in writing by referring to our complaints procedure.

To register a complaint contact us by either:
Telephone: 01424 755061
or write to us at: Ridge West Garage, Unit 5, The Ridge West Trading Estate, St Leonards-On-Sea, East Sussex TN37 7PJ is a trading name of Ridge West Garage, we are a credit broker and not a lender. We are authorised and regulated by the Financial Conduct Authority. Firm Registration No.621098