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 [FCA number]. 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

CNN Motor Trading Ltd 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.cnnmotortrading.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. CNN Motor Trading Ltd 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: 07575124458
  • Post: CNN Motor Trading Ltd, Cocklakes Yard, Carlisle, Cumbria, CA4 0BQ
  • Email: [email protected]

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: [email protected]

What our customers say about us

Our Reviews

I recently bought a van from Nathan and couldn’t be happier with the whole experience. He’s honest, well-organised, and extremely professional throughout the process. The vehicle was delivered right on time, exactly as described, and Nathan kept me updated every step of the way. It's rare to find someone so reliable and genuinely helpful, highly recommended!
— Amir Amini
Had a great experience buying the van from Nathan. He was honest, helpful, and communicated really well throughout the whole process. The van was exactly as described and the sale went smoothly with no hassle. Would happily recommend Nathan to others. Thanks again mate !
— Bartosz Zasadzinski
I had the pleasure of buying a van from CNN Motors today, and I can't say enough great things about the experience — all thanks to Nathan. From the moment I walked in, he made the entire process smooth, stress-free, and even enjoyable. Nathan was incredibly knowledgeable, patient, and genuinely interested in helping me find the right vehicle for my needs. He answered all my questions without any pressure and made sure I was comfortable with every step of the process. His professionalism and friendly demeanor made a world of difference. What really stood out was his attention to detail and commitment to great customer service — he went above and beyond to ensure I drove away happy and confident in my purchase. If you're in the market for a van (or any vehicle), I highly recommend reaching out to Nathan at CNN Motors. You won’t find a more helpful or trustworthy salesperson. Thanks again, Nathan
— Watson Miller
The process was very easy and smooth with zero issues, I highly recommend coming here if anyone is looking for good reliable vehicles.
— Josh Jackson
Just bought a van from Nathan at CNN motors he had a great choice off vans various ages all in great condition. He took care off all the paperwork which helped. Will definitely be back in future and happy to recommend him to anyone looking to buy a van
— Jonathan Grant
Bought a pickup from Nathan great knowledge good price and best of all no sales pressure cheers Nathan 👍. Colesy
— Peter Cole’s
Excellent service from first enquiry to delivery of the vehicle. Nathan is very professional and extremely helpful. He obviously takes great pride in his company. From my first enquiry he kept me in the loop with updates on my van, videos and pictures. The van was delivered when he said and is immaculate. We are over the moon and would highly recommend CNN Motor Trading Ltd. Thanks Nathan its been a pleasure
— Lesley Rhodes-morrow
Absloutely brilliant service from CNN Motor Trading. Amazing customer service from the start once I got in-touch about the vehicle I had an interest in. Been looking for ages and after seeing this one it looked to be in such good condition I couldn’t turn it down. I got plenty of updates and videos from Nathan of the vehicle that I then put a deposit down on. Top tier service. Will definitely be back for an upgrade in the future
— Kieron Mills
Would highly recommend, Nathan was very helpful and met me at the yard out of hours due to work commitments for viewing and to complete the sale
— Darren Little
Bought a transit custom, traded in my Peugeot partner which Nathan gave me a fair price on. Particularly liked the fact I was given the facts on the van and then given some time and space to have a good look over it at my leisure, and then a decent test drive, not just a 100 meters round the corner but good 15 minutes or so, and could have had longer if I’d wanted but was happy. The vans an absolute beaut, exactly as described on the initial ad, and Nathan was polite, informative and honest, I’ve got a lot of van for the money! We agreed a price and for ease for me, Nathan agreed to drive an hour to my home later on that evening with the van on a trailer, pick up my part ex and complete the paperwork/transaction with him at the time of drop off. Cannot fault, top level service and already recommended him on to family, will definitely use again!!!
— Dave Horky
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