TERMS OF BUSINESS
Sterling Capital Finance (SE) Ltd. (hereafter referred to as Sterling Capital Finance) is authorised and regulated by the Financial Conduct Authority.
The information that follows explains how Sterling Capital Finance conducts its business, what you can expect from us and the nature of your financial commitment, should you choose to make one whilst using our services.
Our Customer Promise.
At Sterling Capital Finance we take great pride in our customer service.
We are determined to ensure you always receive the best possible service from us.
Our firm intention is that any contact your have with us, from your first call or email onwards, is addressed promptly, clearly and professionally.
We aim to ensure that any questions you may have are answered clearly and accurately and that any issues during the sales process are dealt with to your complete satisfaction.
Should you take out asset finance through Sterling Capital Finance we aim to ensure that by the end of the sales process you are completely satisfied that our service has met your needs.
Sterling Capital Finance was established in 1998. We use our extensive understanding of the asset finance market and our wide-ranging and long-standing relationships with many of the UK’s major lenders, to match your individual asset finance requirement to the right choice for you from a range of potential financial products and lenders.
We also have two specialist automobile finance brands, Supercar Finance and Classic Motor Finance, which are both trading divisions of Sterling Capital Finance (SE) Ltd., which is Authorised and Regulated by the Financial Conduct Authority.
Financial products we offer through our relationships with UK lenders include Hire Purchase, Lease Purchase, Finance Lease, Operating Lease, and Commercial Loan.
Will you have to pay us for our services?
You will pay no fee or commission to Sterling Capital Finance. The lender who provides you with the asset finance to meet your requirement will pay us a commission.
Before entering into a contract or upon request we will ensure you receive Pre-Contract Credit Information for products regulated by the Financial Conduct Authority. This information will clearly inform you about any other charges relating to any particular product.
Who regulates us?
Sterling Capital Finance (SE) Ltd., The Old Oast, Coldharbour Lane, Aylesford, Kent, ME20 7NS is Authorised and Regulated by The Financial Conduct Authority (FCA).
Our Interim Permission Consumer Credit Register Number is 461161.
You can check this on the Interim Permission Consumer Credit Register by visiting the FCA’s website http://fca-consumer-credit-interim.force.com/CS_RegisterSearchPageNew or by contacting the FCA on 0800 111 6768
There is of course a possibility that you may be unhappy with the service that you receive from us.
Please let us know immediately if this is the case. You will find us determined, if at all possible, to put things right. If you want to make a complaint, you can do this in a number of ways:
1. You can telephone us and one of our Directors will listen to your concerns and discuss ways to resolve them.
2. You can email us at firstname.lastname@example.org
3. You can write to:
Sterling Capital Finance (SE) Ltd.
The Old Oast
To view a copy of our full Complaints Policy please click here.
If following our subsequent investigation and response you are still not satisfied, you may contact the Financial Ombudsman Service. You can write to them at:
Financial Ombudsman Service, Exchange Tower, London, E14 9SR . 0800 023 4 567.
Further information can be obtained by visiting: www.financial‐ombudsman.org.uk
Sterling Capital Finance (SE) Ltd., trading as Sterling Capital Finance, Supercar Finance & Classic Motor Finance.
Registered Office: The Old Oast, Coldharbour Lane, Aylesford, Kent ME20 7NS
Registered in England No. 3666971
VAT Reg No 840 2943 38
Authorised and Regulated by the Financial Conduct Authority
Hire purchase is a simple, straightforward way to allow you to spread the cost of buying your new car.
With Variable Rate Options, we can link your interest to a base rate with a Balanced Payment Plan, or charge interest on the reducing capital balance with a Day To Day facility.
We offer our clients a range of equity release schemes whereby you can borrow against the value of one of your current vehicles.
A Balloon Payment can often be built into the agreement to bring down the monthly payments.
A Finance Lease allows use of the vehicle whilst paying a rental rather than a repayment.