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FCA Statement

1.The Financial Conduct Authority (FCA)

The FCA is the independent watchdog that regulates financial services. We are required to give you this document, Please use this information to decide if our services are right for you.

2. Whose products do we offer?

We will offer Cosmetic Maintenance Plan and a Tyre & Alloy Maintenance Plan. These products are not insurance based contracts and therefore are not regulated by the Financial Conduct Authority. Your advisor will provide you with more details if you require.

We also offer selected products from a limited range of finance providers, we are a credit broker and not a lender and as such can introduce you to a number of lenders (listed below) and their finance products some of which may have different interest rates and charges.

• Ford Credit • Black Horse • Santander • Honda Financial Services • Mazda Financial Services • VW Financial Services • MotoNovo

• Northridge Finance • Evolution Funding • Alphera • JLR Financial Services • Toyota Financial Services • Mann Island • Hyundai Capital • MG Financial Services • Mobilize • Hyundai Capital • Stellantis Financial Services

Depending on your individual circumstances, we may submit your details to one or more lenders in our panel to help ensure that you are offered the best available rate. These lenders will complete a credit search on you to determine your suitability for their product offerings. This may result in one or more hard searches being completed on your credit profile, which may impact your credit score and will be visible to other lenders.

3. What service will we provide you with?

We will advise and make a recommendation for you for the following finance products:

Hire Purchase • Credit Sale • Personal Contract Purchase • Personal Loan • Personal Contract Hire.

We do not charge you a fee for our credit broking activities, whichever lender we introduce you to will typically pay us commission or other benefit. The lenders we work with could pay commission at different rates (typically a fixed fee or fixed percentage of the amount you borrow), however the amount of commission we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement. We can provide further information if you require more detail.

4. What will you have to pay us for this service?

We remunerate our employees using a combination of fixed and variable rewards that are designed to ensure they act in the customers’ best interests at all times. All employees receive a base salary and our sales people also receive variable financial rewards based on the products they process, providing they also achieve high levels of customer service

5. Who regulates us?

The Hendy Group, School Lane, Chandlers Ford Industrial Estate, Eastleigh, Hants SO53 4DG is authorised and regulated by the FCA. Our Financial Services' Register number is: 311625. Our permitted business is arranging non-investment insurance contracts and consumer hire and credit brokerage, with the right to canvass off trade premises for debtor-creditor-supplier agreements or consumer hire agreements. You can check this on the Financial Services’ Register by visiting the FCA’s website: www.fca.org.uk/register/ or by contacting the FCA by phone on: 0800 111 6768.

6. What to do if you have a complaint

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

In writing: Mr Jonathan Moritz, The Hendy Group, Hendy Group School Lane, Chandlers Ford Industrial Estate, Eastleigh, Hants 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).

7. 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. Non-compulsory general insurance products are 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.

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