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Finance

At MJ Motors we take great pride in being able to provide cost effective finance. We do this with our partners Motonovo and Mann Island finance who have a variety of lenders to accommodate for all needs.  

Who are we?

MJ Motors, a dealership acting as a credit broker in arranging finance for vehicle transactions. 

Our Address is:  3 Dunmurry Industrial Estate, City Business Park, Dunmurry, Belfast BT17 9HU

 

Are we authorised to arrange finance for you?

Yes, we are authorised and regulated for credit-broking activities by the Financial Conduct Authority (“FCA”).  We are not a lender. Our FCA Firm Reference Number is 664319. For more information, please visit the FCA  website at: https://register.fca.org.uk/. Please note that business customers may not be protected under the  Consumer Credit Act 1974 or FCA rules.

 

What can we do to help finance your vehicle?

We can introduce you to a number of finance companies (“funders”) who may be able to finance your transaction. There are other funders to which we cannot introduce you which may also be able to offer you finance.

We will provide you with information and explanations about the finance products that may be available to you  and, where we recommend a product to you to you, we will ensure that this is based on the information you give us about your needs and circumstances so that it is suitable for you. Finance is arranged subject to status and terms and conditions. We cannot guarantee that we will be able to secure finance for you.

 

Do you have to pay for our service?

No, you make no payment to us but a funder or broker we work with may pay us for introducing you to them. Different funders/brokers may pay us different amounts.

 

How will we use your information?

We will use your information to obtain quotes from funders and brokers to process finance applications through them and we and/or they may also conduct a search of your record held with one or more credit reference agencies.Credit checks may as a result appear on your credit file lodged by organisations with whom you have  not dealt directly. The personal information collected will also be shared with fraud prevention agencies who will use it to prevent fraud and money laundering and to verify your identity. If fraud is detected you could be refused certain services, finance or employment.

We are registered as a data controller with the Information Commissioner’s Office under registration number ZA802980.

 

What can you do if you wish to complain about our services or contact us?

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

* by writing to us at Complaints, MJ Motors, 3 Dunmurry Industrial Estate, City Business Park, Dunmurry, Belfast BT17 9HU

* by emailing mjmotorsni@gmail.com ; or

* by telephoning  028 90626788

If, after making a complaint to us you are still unhappy and feel the matter has not been resolved to your  satisfaction, please contact the Financial Ombudsman Service FOS - www.financial-ombudsman.org.uk  Please note that FOS may not be able to deal with complaints from business customers.

 

PROCESS FOR FCA COMPLAINTS


1. Promptly following receipt of your complaint

Any FCA Complaint that has not been resolved straight away will be recorded by our central Customer Services team and we will send you a letter to acknowledge your concerns.

If we believe that another firm or company is responsible for the matters to which your complaint relates and is therefore best placed to resolve it, we may forward your complaint to them to investigate. If we do so, we will write to you to let you know and will give you the name of the firm or company to which we are forwarding your complaint.

2. Within eight weeks from receipt

We will aim to have completed our investigation and provide you with our final response in relation to your complaint within eight weeks of receipt of your complaint. If we cannot provide you with our response within eight weeks, we will write to you explaining why this is the case and indicate when a response will be sent to you. You will also be advised of your right to take the matter to the Financial Ombudsman Service should you be dissatisfied with the outcome of our investigation and our final response.

3. Review
The outcome of each centrally recorded concern is also reviewed.