What is an Initial Disclosure Document?

The Financial Conduct Authority (FCA) is the independent regulator of financial services. The FCA require us to provide you with a document called an 'Initial Disclosure Document'. This document provides information about us, the products we offer, the services we will provide, what we charge for our services, who regulates us and what to do if you have a complaint.

Who regulates us?

We are authorised and regulated by the Financial Conduct Authority for credit brokerage. Our FCA number is 674879. You can check this on the FCA's website www.fca.gov.uk/register or by contacting the FCA on 0300 500 8082.

Treating customers fairly

Elite Automotive (Scotland) is committed to ensuring that the FCA principle of treating customers fairly (TCF) is applied in all areas of our day-to-day business activities. We aim to ensure that the TCF principle is embedded and rooted in everything that we do. This principle underpins how we operate and function as a business.

Which service will we provide you with?

We offer a non-advised service, meaning we cannot give you advice or a recommendation on products. But in assessing your application we will ask you for information to enable us to identify your needs and present a selection of products relevant to your requirements. You will then need to make your own choice about how to proceed. You will receive the pre-contract credit information which will detail the Terms & Conditions of the product you have chosen and advise you about any other fees and interest relating to the product.

What products do we offer?

We offer a limited number of finance products from a selected panel of lenders. Customers can view these products on our website https://www.elite-automotive.co.uk or through talking with a member of staff in our showroom. We would advise you to consider your options and decide if they meet your requirements. Elite Automotive (Scotland) is a credit intermediary, not a financial advisory service nor a lender.

What will you have to pay us for our services?

We do not charge a fee for the introduction to the finance provider.

Commission Disclosure

We will typically receive a commission payment from the finance provider if you decide to enter into an agreement with them. The amount of commission can be made available to you upon request over the phone and/or in writing.

Suitability and Affordability

We aim to support and tailor our service appropriately to those customers who may be particularly vulnerable due to their current circumstances or recent life events. If you have a disability, physical or mental health condition, feel vulnerable due to a change in personal circumstances, or just need extra support please let us know and we will do our best to help you. You should make sure you have sufficient time and support to assess the information given to you and ensure the funding option offered is suitable for you and meets your requirements. If you are unsure, please don't hesitate to ask us for further explanations, help and support.

It is important that you only enter into an agreement if you can comfortably afford the repayments. You should assess the monthly payments you are required to make throughout the term of the agreement and ensure you can meet these and other current obligations without suffering undue hardship. If you are aware of any changes in your life or your household circumstances that may affect your ability to maintain your loan repayments, please make us aware. Your credit rating could be adversely affected if you do not make payments when due which could make it harder or more expensive for you to access finance facilities in the future.

What to do if you have a complaint

If you wish to make a complaint, the first step is for us to understand your complaint. You can contact us by:

  • Phone: 01592 200666
  • Post: Elite Automotive (Scotland), 28 Dunnikier Road, Kirkcaldy, Fife, Scotland, KY1 2RU
  • Email: sales@elite-automotive.co.uk

Please provide your name and a contact number where we can reach you between the hours of 09:00–17:00 Monday to Friday.

We will promptly acknowledge your complaint in writing, investigate your complaint and endeavour to send you a final response within 8 weeks of receipt of the complaint. If we are unable to provide you with a final response within this time, we will send you an update. If you are not happy with our response, and you are an eligible complainant, you can escalate your complaint to the Financial Ombudsman. You must do so within six months of the date of the final response letter. You can contact them:

  • By phone: 0800 023 4567
  • By post: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR.
  • By email: complaint.info@financial-ombudsman.org.uk

What our customers say about us

Our Reviews

Great experience with this garage. I traded in my Mustang GT for a BMW M4 and the whole process was smooth, professional, and hassle-free. What really stood out was how thoroughly they checked over the whole vehicle before I collected it. They noticed the rear tyres had 3mm tread left, so they replaced them with brand new Michelin tyres for me. They didn’t have to do that, and it shows they genuinely care about their customers and the quality of the cars they sell. Highly recommend.
— Kian Gordji
Brilliant service, knowledgeable owner. Would highly recommend!
— Duncan Whyte
1st class experience from the 1st phone call to picking up my beautiful car, good guys, great cars, great service.
— Alessandro Valdrighi
I purchased an Audi S3 from Elite Automotive back in August last year so apologies to Tom & Kevin for taking so long to leave a review. I flew over from Northern Ireland to view the car and Tom kindly arranged to have my son and I collected at the airport. From looking at the other vehicles in their yard, I could tell immediately that I was dealing with a professional company selling only the highest standard of cars. The Audi was in immaculate condition and exactly as described. Tom was a gentleman to deal with, even involving my young son in the buying process, which he loved! Tom is a proper car guy and I probably could have stayed talking about cars with him for a lot longer but I had a boat to catch 😄 The car has been a pleasure to own and drive, the one issue I did have was covered without any fuss by the warranty supplied by Elite. I wouldn't hesitate to buy another car from the guys in the future.
— Barry McShane
Amazing service by Tom and his team, lovely car, couldn’t recommend enough
— Rhys Shovlin
Having bought several vehicles from Elite it’s fair to say I have never had an issue. Friendly staff very polite and would highly recommend too anyone that is interested in buying a car locally.
— Aiden Guyan
Massive thanks to Tom 🙌 Found my dream MSRT Connect on Thursday, got in touch Friday and by Saturday I was on the road in it. Can’t believe how quick and smooth the whole process was – no hassle at all. Absolutely delighted and would 100% recommend!
— C7 details
We sold our car to this garage and was very impressed with the service. Very professional, made the process feel seamless. Would happily deal with them again and would highly recommend.
— Donna Lapsley
Couldn’t recommend Tom and the team enough! From answering the phone when they were closed, to staying late after hours to accommodate a viewing of a car the whole service was amazing. Very clear that he has a passion for what he does and takes care of his clients.
— Mazda Khareghat
Just purchased an incredible V8 Ford Mustang from elite automotive. From the moment I met Tom the service has been perfect in every way. Me and my wife visited elite automotive unannounced and were welcomed by a member of staff in the forecourt surrounded by some of the most beautifully prepared vehicles I have ever seen. We were introduced to Tom who came over for a chat about the vehicle we were interested in, sharing his vast knowledge of performance Fords. After a lovely conversation about vehicles in general he offered to sit down with us and run through a finance quote which he did quickly and efficiently. We went away feeling very pleased with the first impressions of the vehicle and the business (especially the staff!). After deciding that we wanted to go ahead with purchasing the vehicle I phoned Tom who answered straight away. He then informed me that he would arrange for the car to be prepared so that we could collect it the following weekend. When we arrived to collect the car we were greeted by an absolutely flawlessly prepared vehicle which somehow looked even better than it did when we first viewed it! Tom took us up to his office to finalise all of the paperwork side of things. He even went the extra mile by setting up the vehicle tax for our new car. Tom handled absolutely everything and we felt well looked after during the whole process. I would highly recommend a visit to elite automotive to browse their amazing vehicles. My whole experience from start to finish was absolutely perfect. Thanks Tom 👍
— Peter Johnson
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