The Financial Conduct Authority is the independent regulator of financial services in the United Kingdom. The Trade Centre Group PLC (‘we’, ‘us’, ‘our’) is authorised and regulated by the Financial Conduct Authority (our registration number is 689365) and is permitted to carry on relevant regulated consumer credit activities including acting as a credit broker and not a lender.
The Trade Centre Group PLC does not offer access to all available options across the whole of the consumer credit market but we can introduce you to a select panel of lenders who may be able to help you finance your vehicle of choice.
To better establish your potential eligibility for credit or hire purchase facilities, DealTrak Limited has been appointed as a processing agent for and on behalf of The Trade Centre Group PLC and our select panel of lenders. DealTrak Limited will analyse your credit information to determine your financial status and use your information for the purposes of identifying and ranking the most appropriate credit products for you, taking into account your personal circumstances. By accepting these Terms and Conditions you consent to your personal information being passed to DealTrak Limited, via The Trade Centre Group PLC.
By accepting these Terms and Conditions you also consent to the disclosure of your personal data, and other details recorded, to one or more lenders from our select panel. You acknowledge that each prospective lender, to whom we direct your application, will search your record with credit reference agencies, which will add to their record about you details of the hard credit search made by the prospective lender, and details of your application. These credit searches can have a negative impact your credit score and rating and details of these searches may be seen by other organisations in the future.
Until a specific vehicle has been selected, it is not possible to predict the potential final outcome of any application for credit or hire purchase facilities. Each prospective lender will also carry out an assessment of the vehicle selected. Each prospective lender has the right to apply special conditions to an offer of credit, restrict the level of advance or term of agreement, or even to decline a previously accepted application following a full assessment of the finance proposal and any additional information requested. The Trade Centre Group PLC has no influence over any lending decision and acts only in its capacity as a credit broker. All applications are subject to status and no credit or hire purchase facility is guaranteed.
Further to The Trade Centre Group PLC introducing you to prospective lenders, if you agree to enter into an agreement to finance a vehicle, The Trade Centre Group PLC will receive a commission payment from the lender.
The prospective lender will also add to your record with credit reference agencies, details of your agreement with them and of your payment record under the hire purchase or credit agreement, should you enter into an agreement with them. These records will be shared with other organisations and may be used by them to consider further applications for credit and credit related services, to trace debtors, recover debt, and for fraud prevention. For more information, please refer to our full Privacy Notice.
The Credit Reference Agencies used by the lenders on our select panel have produced a Credit Reference Agency Information Notice (“CRAIN”) which details how they will use your data after we have provided it to them.
This information is available at CRAIN:
Please contact us if you wish to receive details of the relevant fraud prevention agencies.
The Trade Centre Group PLC will only process your personal information and data for the above purposes and on the basis that such processing is necessary for us to comply with the law, or is necessary for performance of a contract we have in place with you, or because you have asked us to take specific steps before entering into a contract. For more information, please refer to our full Privacy Notice.