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Initial Disclosure Document


Heston Cars London Ltd T/A Hcl Prestige Car Supermarket are authorised and regulated by the Financial Conduct Authorised under FRN 927776.

Heston Cars London Ltd T/A Hcl Prestige Car Supermarket is authorised as a credit broker, not a lender.

We are committed to treating customers fairly whilst ensuring our products and services are suitable for their needs.

We can introduce you to a limited number of lenders who might be able to finance your purchase. We will only introduce you to these lenders.

You may be able to obtain finance for the purchase from other lenders and we encourage you to seek alternative quotations.

We, Heston Cars London Ltd T/A Hcl Prestige Car Supermarket, may receive a commission payment for introducing you to a lender. This could be a fixed amount or a fixed % of the lend. You may request the disclosure of this amount.

Please note, if you have any health issues, difficulty understanding information or there are any recent life events that could affect your ability to fully understand the information and documentation presented, you should carefully consider the amount of time you require to review the documentation. You should also consider if it is advisable for you to have someone you know, help you make your decision. You should asses the monthly payments you are required to make throughout the agreement and ensure you are able to meet these obligations.

Your credit rating could be adversely affected if you do not keep up with your payments. This could make it harder for you to obtain credit in the future and/or make it more expensive.

If you wish to register a complaint, please contact us in writing at customersupport@hcl-ltd.comor by post at Heston Cars London Ltd T/A Hcl Prestige Car Supermarket 594-596 London Road, Ashford, Surrey, TW15 3AF You can also contact us via phone on 0204 548 9000.

If you would like to know how we handle complaints, please ask for a copy of our complaints handling process. If you cannot resolve a complaint with us, you may be entitled to refer it to the Financial Ombudsman Service, In writing: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR.

Throughout the process of administering services for you, we will need to collect personal information from you and pass this information to one or more third party organisations in order for them to supply any service you request. This may include passing this information to one or more potential lenders or credit brokers to enable them to make a credit decision. These lenders may use your information to conduct an affordability and credit worthiness assessment and will do so using the consent given by you.

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Representative Example [HP]

An OTR Cash Price of £22,990.00 with a deposit of £2,299.00 leaving an amount of credit of £20,691.00. The agreement is resulting a Representative 13.4% APR and a total amount payable of £30,614.00. Payments are based on a duration of agreement of 60 months, with a first monthly payment of £ 471.90, regular monthly payment of £471.90 and a final monthly payment of £472.90.

Contact Details

594 - 596 London Road
Ashford
Surrey
TW15 3AF 02045 489000 07553500540

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