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 1032298. 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

RSG Motors 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://rsg-motors.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. RSG Motors 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: 01507824144
  • Post: RSG Motors, RSG Motors Ltd, Station Road, Alford, Lincolnshire, LN13 9JB
  • Email: motors.rsg@yahoo.com

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

Purchased 2 vehicles from these guys now and cannot recommend them highly enough. Superb service from beginning to end. Thank you
— Peggy Peggers
A bit of a late review! Purchased our 2006 Renault Clio from these guys last year. They were clear and professional through all of our communications. Reasonably priced too! I have since had the vehicle apart to replace the cambelt as part of the normal service schedule, this uncovered all the work carried out by their technicians was done to a really high standard! The car has not faulted us over the last 12 months, could not recommend them enough. Currently asking them to source another one!
— Joshua Marshall
Got a car from RSG, got a great deal on part exchange, had a problem with the battery and Richard didn’t hesitate to replace it with brand new one, he put full years MOT on it, can’t fault them at all, very friendly and reliable service, love my car thank you. 🤩
— Lesley Westmoreland Newton
Purchased a Skoda Yeti picked it up today car is brilliant part ex our old car gave us a great deal no pushy sales men .Gave us lots of information on the car as was a local man who had the car previously. He did tell us it would be washed and polished but was honest and said with the weather he hadn’t done it which was refreshing to have honesty from a car sales man. Would recommend some really nice cars available from honest people. Thank you RSG Motors Alford
— Debra Smith
Hello, if you are looking for a second hand vehicle then this is the place dont look no further. Onistly there's No where like it with in Lincolnshire. me and my family members all get ower cars from here and all had no problems other one And the one that needed looking at the owner took it in straight away no questions asked and fixed the problem and we had it back the next day. infact I think we got it back the same day. 10 stars cheers RSG!
— Kirstan Buxton
we went on a Sunday to buy a cheap run around. There was plenty of choice. we were able to go on a test drive. we asked if it could be hoovered out which wasn't a problem and came back at 3:00 p.m. to pick it up. We had it few days now and my partner is very happy with it.
— Frances Briers
came saw and bought fabulous car great price and exceptional staff. a hidden gem but well worth finding it out.
— Bryan Naylor
These guys are great to deal with...They had a automatic van i wanted..So i offered my old one in PX..They gave me a fair price and even kindly did a one off delivery of the vehicle to me some 2hrs away...All throughout the transaction Sasha's comms were brillant and very prompt. Kudos to these guys, am Happy with the vehicle and impressed with the service.
— Josh Selling
Friendly professional service. Richard gives above and beyond. Thank you ! Highly recommended
— Christine Turner
I called into RSG Motors, Alford yesterday afternoon for a look at what was for sale, and came out with a Peugeot 1009 and what superb service & attention there was, as well as a good aftersales service too, Richard could not have been more attentive and was certainly not condescending as many dealers are to women. I would highly recommend anyone wanting to buy a car to use RSG Motors. Thank you.
— Valerie Ledden
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