WHAT'S INCLUDED

Pat Kirk Limited is an appointed representative of ITC Compliance Limited which is authorised and regulated by the Financial Conduct Authority (their registration number is 313486) and which is permitted to advise on and arrange general insurance contracts. Pat Kirk Limited is authorised and regulated by the Financial Conduct Authority for consumer credit activity and our registration number is 306312. We act as a credit broker, not as lender, for the introduction to a limited number of finance providers onlyfor;Hire Purchase, Personal Contract Purchase (PCP), we work with a panel of Lenders, who may be able to finance your purchase. The Dealer will be paid a commission for introducing you to the lender. This will be a percentage of the amount that you borrow. You will make no payment to us for the introduction to our panel of lenders, typically we may receive a commission from the lender if you decide to enter into an agreement with them. You may ask us for details of such payments. This means the more you borrow the more the Dealer is paid. The commission will be the same no matter the interest rate that you pay. If you ask the Dealer, they will tell you (in good time before the agreement is made) the amount of any commission they will earn from the lender. Regulated Complaints Pat Kirk Ltd, 53 Brookmount Road, Omagh, BT78 5HZ Telephone: 028 8225 1515 E-mail: mail@patkirk.com If we cannot resolve your complaint within 8 weeks, you may refer your dispute to the Financial Ombudsman Service. This service is free to use. Their consumer helpline is available on 0800 023 4567 or 0300 123 9123 or you can visit their website at www.financial-ombudsman.org.uk.