FCA Statement

Who Regulates us?

The Financial Conduct Authority (FCA) is the independent regulator of the Financial Services market in the United

Kingdom. Hendy Group Limited, company registration number 192872, is authorised and regulated by the Financial

Conduct Authority for the purpose of Consumer Credit and insurance distribution activities. Our FCA firm reference

number is 311625. Our permitted business is to arrange finance contracts and we are also permitted to provide

information on and arrange the sale of general insurance products.

You can check our authority on the FCA Register here https://register.fca.org.uk/s/ or by contacting the Financial

Conduct Authority directly on 0300 500 8082.

Whose Products Do We Offer?

We offer a Cosmetic Maintenance Plan and a Tyre & Alloy Maintenance Plan from a single provider – GardX

International Limited. These plans are not insurance policies and therefore are not regulated by the Financial Conduct Authority.

Should you require finance to assist with the purchase of your vehicle, we can introduce you to a limited number of lenders and finance products. A list of the lenders we work with is available upon request.

Which Products and Services Will We Provide You With?

We are a credit broker and not a lender. We will explain the finance products available to you from the lenders we

work with and advise you on the suitability of those finance products after we have assessed your needs. You can

then make an informed decision on how to proceed.

We will introduce you to a selected lender first. If they are unable to make you an offer for finance, we will then

introduce you to up to two further lenders in our panel. If our main panel of lenders do not make an offer of finance

to you, we will introduce you to Evolution Funding Limited, who will look to obtain a finance offer for you.

We are not an independent financial advisor and we do not assess the wider market for finance or provide any

advice on whether the finance products we offer represent the best value you could obtain.

We will assess your needs for the protection products listed above by asking you relevant questions to identify which

products may be suitable for you. We will provide you with information relating to these products and a quotation

so that you can make an informed decision on purchase. The purchase of these protection products is entirely

optional.

What Will You Have To Pay Us For Our Services?

We do not charge you a fee for our services. We will typically receive a commission from the lender, as either a fixed

fee or a fixed percentage of the amount you borrow. The lenders we work with could pay commission at different

rates. These arrangements are negotiated with our lenders in advance and do not give us any discretion to negotiate

or adjust your APR. The commission we earn does not change in relation to the type of finance you choose or the

length of the finance agreement.

If you are an individual, sole trader or limited company, at any time prior to concluding your vehicle purchase, you

can ask us for details of any commission we will receive as a result of arranging your finance with a lender. This

request can be made to the Sales Advisor handling your sale, or via customerfeedback@hendy-group.com.

If you buy a maintenance plan, we will make a margin on the sale of that product, from the price paid by you.

Credit Searches

By providing us with your credit details, you will be giving us authority to submit a credit application on your behalf

to our credit providers. These lenders will complete a credit search on you to determine your suitability for their

product offerings.

We will always look to offer you the best available APR depending on your individual financial circumstances. This

may result in up to three hard searches being completed on your credit profile, which may impact your credit score

and will be visible to other lenders.

What to do if you have a complaint:

If you wish to register a complaint, please contact us:

In writing: Mr Mark Busby, The Hendy Group, School Lane, Chandlers Ford Industrial Estate, Eastleigh, SO53 4DG

By phone: 023 8070 1700

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service

(FOS).

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. Insurance advising and

arranging is covered for 90% of the claim, without any upper limit. Further information about compensation scheme

arrangements is available from the FSCS. You can telephone the FSCS on: 020 7741 4100 or write to them at:

Financial Services Compensation Scheme, 10th Floor, Beaufort House, 15 St Botolph Street, London EC3A 7QU.

How Do We Process Your Data?

Your personal data is collected and held in accordance with the General Data Protection Regulation 2018, UK

General Data Protection Regulation (GDPR) and all other data protection acts. We will pass some or all of your data

that you provide us with in connection with your finance or insurance proposal to finance companies, insurers and

other companies in order to fulfil your contract.

For further information please read our full Privacy Policy at https://www.hendy.co.uk/privacy-policy/ or for further

data protection guidance please refer to https://ico.org.uk .