Information about our Finance and Insurance Services
Who are we?
Alpine Performance Cars
Email : sales@alpineperformancecars.co.uk
Tel : 07852868893
Who Regulates Us?
The Financial Conduct Authority (FCA) is the independent watchdog that regulates financial services. For the provision of finance, Alpine Performance Cars is authorised and regulated by the Financial Conduct Authority, firm reference number 996929
You can check this information at https://www.fca.org.uk/. Use this information to decide if our services are right for you.
Which Services Will We Provide You With?
Alpine Performance Cars is a credit broker and not a lender, and we work with a panel of lenders, This group of lenders provides us with a range of products that may be suitable for your vehicle purchase, We will explain the key features of each finance product available to you from the lenders we work with. You will not receive advice or a recommendation from us in relation to the financial products that we offer. We will provide you with information but you will have to make your own choice about how to proceed. We operate an information only sales process (non-advised).
Which Services Will We Provide You With?
Credit Agreements - Hire Purchase and Personal Contract Purchase (PCP)
Whose Products Do We Offer?
We work with a panel of hand selected lenders and in some circumstances we may use the services of an external credit broker to secure an offer of finance for you.
Will You Have To Pay Us a Fee For Our Services?
No, we do not charge a fee to arrange any finance agreement.
The Lenders we work with could pay commission as either a fixed fee or a fixed percentage of the amount you borrow. These arrangements are negotiated with our lenders in advance and do not give us any discretion to negotiate or adjust the annual percentage rate (APR) or any other item included in the total charge for credit from the lender. The APR may vary according to your credit status, the amount you borrow or the term you borrow it over, The commission we earn does not change in relation to the type of finance (Hire purchase or Personal Contract Purchase) you choose or the length of the finance agreement.
At any time prior to concluding your vehicle purchase, if you are an individual, sole trader or small partnership, you are entitled to request details of any commission we will receive as a result of arranging your finance with a lend
Alpine Performance Cars Vulnerable Customer Policy
How do we identify Vulnerable Customers?
In order for Alpine Performance Cars Limited to address the needs of Vulnerable Customers we will firstly need to be able to identify them. There are many risk factors involved including bereavement, illiteracy, illness, disability or other impairments which increase a consumer's vulnerability.
Our team remains alert to the signs that the person we are talking to may not have the capacity to make an informed decision regarding the implications of the services/agreement that we are making to them.
The Mental Capacity Act says that a person is unable to make a specific decision if they cannot understand information about the decision to be made, cannot retain that information in their mind, cannot use or weigh that information as part of the decision-making process or cannot communicate their decision.
As part of our customer experience at GHB Performance Limited always look out for vulnerable consumers and we aim to help and support them by:
· Training our customer facing staff so they are able to deal with vulnerable customers appropriately.
· Observing and involving other members of staff who can provide help and support.
· Being patient and taking time to listen and facilitate a conversation with the customer so that they fully understand.
· Sharing information with our Partners regarding the customer's current situation.
· Understanding the customer's needs and demonstrating compassion.
· Allocating a familiar primary contact for the customer ensuring consistency and trust.
· Rewarding, recognising and praising good practice in relation to vulnerable customers.
· Simplifying language so it is clear and easy to understand and avoiding use of industry jargon.
Who are we?
Alpine Performance Cars
Email : sales@alpineperformancecars.co.uk
Tel : 07852868893
Who Regulates Us?
The Financial Conduct Authority (FCA) is the independent watchdog that regulates financial services. For the provision of finance, Alpine Performance Cars is authorised and regulated by the Financial Conduct Authority, firm reference number 996929
You can check this information at https://www.fca.org.uk/. Use this information to decide if our services are right for you.
Which Services Will We Provide You With?
Alpine Performance Cars is a credit broker and not a lender, and we work with a panel of lenders, This group of lenders provides us with a range of products that may be suitable for your vehicle purchase, We will explain the key features of each finance product available to you from the lenders we work with. You will not receive advice or a recommendation from us in relation to the financial products that we offer. We will provide you with information but you will have to make your own choice about how to proceed. We operate an information only sales process (non-advised).
Which Services Will We Provide You With?
Credit Agreements - Hire Purchase and Personal Contract Purchase (PCP)
Whose Products Do We Offer?
We work with a panel of hand selected lenders and in some circumstances we may use the services of an external credit broker to secure an offer of finance for you.
Will You Have To Pay Us a Fee For Our Services?
No, we do not charge a fee to arrange any finance agreement.
The Lenders we work with could pay commission as either a fixed fee or a fixed percentage of the amount you borrow. These arrangements are negotiated with our lenders in advance and do not give us any discretion to negotiate or adjust the annual percentage rate (APR) or any other item included in the total charge for credit from the lender. The APR may vary according to your credit status, the amount you borrow or the term you borrow it over, The commission we earn does not change in relation to the type of finance (Hire purchase or Personal Contract Purchase) you choose or the length of the finance agreement.
At any time prior to concluding your vehicle purchase, if you are an individual, sole trader or small partnership, you are entitled to request details of any commission we will receive as a result of arranging your finance with a lend
Alpine Performance Cars Vulnerable Customer Policy
How do we identify Vulnerable Customers?
In order for Alpine Performance Cars Limited to address the needs of Vulnerable Customers we will firstly need to be able to identify them. There are many risk factors involved including bereavement, illiteracy, illness, disability or other impairments which increase a consumer's vulnerability.
Our team remains alert to the signs that the person we are talking to may not have the capacity to make an informed decision regarding the implications of the services/agreement that we are making to them.
The Mental Capacity Act says that a person is unable to make a specific decision if they cannot understand information about the decision to be made, cannot retain that information in their mind, cannot use or weigh that information as part of the decision-making process or cannot communicate their decision.
As part of our customer experience at GHB Performance Limited always look out for vulnerable consumers and we aim to help and support them by:
· Training our customer facing staff so they are able to deal with vulnerable customers appropriately.
· Observing and involving other members of staff who can provide help and support.
· Being patient and taking time to listen and facilitate a conversation with the customer so that they fully understand.
· Sharing information with our Partners regarding the customer's current situation.
· Understanding the customer's needs and demonstrating compassion.
· Allocating a familiar primary contact for the customer ensuring consistency and trust.
· Rewarding, recognising and praising good practice in relation to vulnerable customers.
· Simplifying language so it is clear and easy to understand and avoiding use of industry jargon.
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FINANCIAL DISCLOSURE
Alpine Performance Cars is registered in England and Wales under compnay number: 14798637. Unit 5, Paper Mill End Industrial Estate, Perry Barr, Birmingham, West Midlands, B44 8NH
We act as a credit broker not a lender. We work with several carefully selected credit providers who may be able to offer you finance for your purchase. (Written Quotation available upon request). Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow). The lenders we work with could pay commission at different rates. All finance is subject to status and income. Terms and conditions apply. Applicants must be 18 year or over. We are only able to offer finance products from these providers.