Carzu.com Initial Disclosure Document

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?

Carzu is a trading style of Car-Finance.Net Limited. Car-Finance.Net Limited FRN 720875 is an appointed representative of Jigsaw Finance Limited which is authorised and regulated by the Financial Conduct Authority FRN 679612. You can check this on the FCA's website www.FCA.gov.uk/register or by contacting the FCA on 0300 500 8082.

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 a pre-contract agreement known as the Standard European Consumer Credit Information (SECCI) 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. All financial applications submitted to Carzu are processed and/or administered by Jigsaw Finance Limited

What products do we offer?

We offer a limited number of finance products from a selected panel of lenders. These products can be viewed in more detail by accessing the following link on our website www.carzu.com, alternatively you can request a copy to be sent by email or post. We would advise you to view these to ensure you are satisfied that the product you have chosen meets your requirements. Jigsaw Finance Limited is a credit broker not a lender.

What will you have to pay us for our services?

We will charge a Broker Service Fee for the sourcing of the vehicle and our services Please see the details specified in our Information Notice by accessing the following link https://www.carzu.com/information-notice. We do not charge a fee for the introduction to the finance provider; however, we may receive a commission or fee payment from the finance provider if you decide to enter into an agreement with them.

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: 01782 366843
Post: Carzu Customer Care, Jigsaw Finance, Genesis Centre, Innovation Way, Stoke-on-Trent, Staffordshire, ST6 4BF.
Email: customercare@carzu.com - please provide your name and contact number where we can get in touch with you between the hours of 08:30 – 15:30 Monday to Friday.

We will acknowledge your complaint in writing within 5 working days, 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 final response you can at escalate your complaint to the Financial Ombudsman, you will receive a leaflet detailing this with your final response letter. Alternatively, you may also contact the BVRLA Conciliation Service as an approved Alternative Dispute Resolution service. Details can be found at www.bvrla.co.uk or by contacting complaint@bvrla.co.uk

For further information on how to make a complaint or our complaints handling process you can visit www.carzu.com/complaints.

Address

Our trading address is: Carzu, Genesis Centre, Innovation Way, Stoke- on-Trent, Staffordshire, ST6 4BF

Range Rover Evoque

competitive and efficient service. Scott was very helpful in providing finance quotes for a variety of different cars/options I was considering and each time offered a more competitive quote than the dealer. The process to completion once we settled on a deal was very smooth. No hesitation in recommending

Craig Taylor

Honda CRV

I have just received my Honda CRV from… I have just received my Honda CRV from Marc at Carzu. This is the second car that I have got a great deal on with Marc and I will certainly be coming back for more great deals and the excellent service I always receive from Marc and Carzu.

Nigel Dixon

Fiat 500X

Excellent Service I purchased a new Vehicle through CARZU. Scott kept me fully informed of progress throughout the process. My new car was delivered when promised. Highly recommended.

Stephen

BMW X1

Supported start to finish by trusted finance partner - would highly recommend I found Carzu via Money Saving Expert. Michelle responded promptly to my chat request, leading to correspondence initially by e-mail and then over the phone. She was extremely patient with my numerous questions and explaining the PCH process - this was our first time buying a car using it. I cannot recommend Michelle highly enough and she was backed up by her colleagues too. If its important to you that you are treated like a real person, not just a number, ask for Michelle. She tells you what she will do and by when (eg obtain further information from leasing company regarding my queries) - and then does it without further prompting! You'd think it's not difficult to find a proactive customer service professional like that in 2019 but that's not been my experience (across many fields). Thank you Michelle, we look forward to driving our new car! :-)

Shourik

Ford Focus

I ordered my new car through CARZU I ordered my new car through CARZU, and I had no problems at all. They made the process simple and easy to do and I was given advice and kept up to speed with progress throughout. Very helpful and friendly people. Would highly recommend!

Connor Rhodes

BMW i8

Alan's Carzu Review I can't speak high enough about Carzu, from the moment I contacted them to the moment I collected the car, the service was 'second to none'. The communication and explanation of next steps throughout the process, made the whole journey straight forward with minimal stress. They acted on behalf of myself to deal with the dealership and obtain the required information to allow the transaction to be processed, whilst also keeping me appraised regularly of completed activities right up until my collection. They worked to my requested timelines to ensure the process was completed and the car prepped by the dealership ready for my pickup on my selected date. In summary, Carzu provided an outstanding service with the cheapest PCP arrangement I could find on the market at the time of car purchase; they will certainly be my first point of contact when I finance my next vehicle. Lastly, a big thank you to Scott who was professional, helpful and proficient throughout. I look forward to doing business with you again. Alan

Alan Bassett

Hyundai Ioniq

Excellent Company to deal with Excellent Company to deal with. Made things simple from start to finish. Never dealt with a transaction so smoothly. Kept me informed throughout and answered all my questions. Friendly and courteous and would highly recommend. Pleasure to do business with you

Michael Bannon

Kia ProCeed

Great company Great company, good comms and service!

Carmine Rabhani

Nissan X-Trail

This is the second car I've bought… This is the second car I've bought through Carzu in the past 15 months. Dealing with Marc is easy, straightforward and stressless. Very impressed with Marc and the team who continually keep in touch and updated. Wouldn't hesitate in recommending them........Oh, and by the way I saved several thousand pounds on both cars. Dealers just cannot compete. Thanks again to Marc and the girls.

Gordon

Fiat 500

I found the whole experience with car-finance.net worth every penny. Gareth was extremely friendly & so helpful. It was all so quick & i received my lovely car within a month. Would definitely recommend

Jade Archer

Vauxhall Corsa

I recently purchased a vauxhall corsa - the whole experience was straightforward, fun and he got himself a great car. Highly recommended and I'll definitely be using again.

Leighton Williams

BMW 1 Series

This is the second time I have used car-finance.net and on both occasions they have secured the best deal for my needs and in a polite, professional and timely manner. I wouldn’t hesitate to recommend them.

Elliot Kaye

Nissan Qashqai

This is my second time ordering with Car finance, both times the team have been very helpful and the whole process was very easy and quick, when I took delivery of my new car this time there were a few problems with it, although this was a dealer problem and not a car finance problem Gareth was extremely helpful and concerned and tried his hardest to resolve the problem for me. Would happily use them again and thoroughly recommend them.

Donna Barker

Nissan Qashqai

I would highly recommend car-finance.net. Everyone is very friendly and they helped me choose the right car. Gareth and Sarah were prompt in their replies and kept me informed all the time. Thanks a lot guys! Deepson

Deepson Shyangdan

Nissan Qashqai

All I can say is great stuff: • Fast friendly service • Thinking out of the box and doing more than I asked for e.g. trading my car in and getting me more money • Wonderful deals • Good attention to detail and checking things • Generous throwing in mats • Good value fees to arrange everything • Easy delivery and collection and nice dealership to deal with

Roger Aburrow

Mercedes C-Class C220 CDI Saloon

Hi Nige Just a quick Email to thank you for sourcing the Merc for me. Andrew provided me with an excellent service and came up with a great deal. I was ignored at a VW dealer, presented with sky high rates at an Audi dealer on an A6 and told by the local Merc dealer that I obviously didn't understand operating leasing and your rentals didn't include VAT! (they did) it was refreshing to experience this new (to me) process.

Christopher Kennedy

Mercedes

Would like to say thank you for your hard work and finding me a great deal with the car. I love it! if I know anyone looking for a lease in the future I will send them your way!. Many Thanks Joseph

Joseph Murphy

Audi Q7

Happy to provide some feedback. I've used the website a number of times to generate finance quotes and also to look at prices of new vehicles that you can supply, it's a very handy tool and invariably is followed up by a real person to see if they can assist further. This is the 3rd time I've used your services and all occasions I've received excellent service, twice for finance and once for supply of a new vehicle. We had a bit of an issue this time as the payment didn't seem to arrive with the dealer when I expected it to, however this was sorted quickly and professionally and I was able to collect the car as planned, albeit it a couple of hours late. When it comes to time to change next time round your web site will be my first point of call and I'd have no issue about pointing friends and family to you either.

James Park

Nissan Juke

Car-Finance.net found supplied me with the best deal on the market. Quick to get back to you with questions and queries. Really happy with my purchase and the finance deal they found me, great customer service would definitely recommend to family and friends.

Lisa Anderson

Audi TT

Happy to provide feedback: 'I was overall very happy with the service and financial assistance I received from car-finance.net. I purchased a car, that if financed through HP would have been too much for my budget, but the PCP offering from car-finance.net was ideal. The process from start to finish was handled very professionally and in a timely manner. I most definitely would (and already have) recommend them to friends and family when looking for finance at a good rate and yet providing excellent customer service.' If you would like me to expand on any of the above, please let me know.

Greg Kelly

Nissan Juke 1.6 Acenta (Sport Pack)

I was very impressed with Car Finance Net and how everything went so smoothly. Many thanks Angie

Angie McClenaghan

Audi TT Quattro tdi

'I was overall very happy with the service and financial assistance I received from car-finance.net. I purchased a car, that if financed through HP would have been too much for my budget, but the PCP offering from car-finance.net was ideal. The process from start to finish was handled very professionally and in a timely manner. I most definitely would (and already have) recommend them to friends and family when looking for finance at a good rate and yet providing excellent customer service.'

Greg Kelly

Nissan Juke & Gap Insurance

I found the web sight most helpful, easy to use and informative. The staff have always been polite and extremely helpful and the service proved to be very efficient indeed. I always received a prompt reply to any enquiries and my car was delivered to my house hassle free. Apart from the very long form for travel in the EU, that I would have to fill in where ever I went , this was the fastest most affective way to both finance and purchase my new car. I would recommend you to anyone who was thinking of car finance and purchase in the future. The Gap insurance was also an excellent deal and took about 10 minutes to arrange over the phone. Three words best describe your service, FAST, EFFICIENT, EFFECTIVE.

Stephen Fisher

Gap Insurance

My personal experience was limited to phone and email and I have to say it was very professional and knowledgeable in respect of both the Gap Insurance and the Leasing Options. Although I am no longer a lease customer I still chose to purchase your Gap Insurance, I would not hesitate to recommend your company to family and friends as I genuinely have been impressed by the way my enquiry has been handled.

Joe Gaziano

Mercedes Slk 350 Auto

I have used Car Finance.net twice in the last 9 months financing a BMW 5 Series and a Mercedes SLK. On both occasions, not only have I found the service to be of the highest quality, but all of the staff have been helpful, understanding and always willing to find a solution tailored to my needs. I would not hesitate recommend the business to anyone looking to finance a car and will no longer shop around for finance in the future because after the experience I have had, it was simple, easy and a pleasure to do business with you.

Keith Ockendon

Nissan Juke Hatchback

Craig Douglas

....... continued We now have our new Nissan Juke so I would like to take this opportunity to say that from start to finish the whole experience was first rate. There was always somebody at hand to give advice when required, and answer any questions or queries when we called, which made a change from the automatic call centres you can get with some companies. I don't really have any negative comments to leave apart from possibly the delivery, as I thought my car was being delivered by a transporter. However the car was driven up from Manchester to my home in Scotland, so we received it with 316 delivery miles. That said, the car was delivered in perfect order and the driver even washed the car at our local car wash before we received. In short I received an excellent service and I would have no hesitation in recommending CAR FINANCE.NET to anybody

Craig Douglas

Nissan GT-R & Gap Insurance

I would like to follow up the request regarding feed back of the service I have received over the last two weeks. Firstly I must say how professional the service was, friendly and nothing seemed to be a problem. I feel every time I asked for some information regarding the finance of a certain car it just seemed effortless and very prompt reply. Secondly I feel I was informed about the policy's offered and given full details that I understood and felt and no time was I pressured to use or buy anything at anytime. I was offered a far better gap policy that was better value and the dealer could not get anywhere near the cost, this made me feel that I was using a company that was not just interested In selling but offering a service. I would have no issue telling anyone else about you as a company and would certainly advise anyone that you are the people to call. Once again, one very satisfied customer here and 100% customer satisfaction.

Craig Titchener

Nissan Qashqai 2.0 Acenta

I found all the people we dealt with very professional and very helpful - and this was a seamless experience of changing my car!

Sue Ingham

Audi S3 Quattro

Martin Spindler

Peugeot 3008 Estate

I was really impressed with the service I received, everyone I spoke to was very helpful and couteous.

Jean Bannister

Land Rover Freelander

'I found the service from Car-Finance to be very good. The whole experience was effortless and hassle free. The staff I dealt with were very well informed, and were not at all pushy. They informed me of the products and available options. Overall, very pleased and satisifed with the service and product.'

Darren Davies

Hyundai I20

I was delighted with the service at car finance. At a particularly hectic time in my life it was wonderful to be able to hand the ropes over to someone else to organise. I am very pleased with the results.

Maureen Bode

Ford Focus Hatchback

Good experience would use you again hassel free steve titley hats of to the guy was excellent big thank you..........

Lee Andrews

Barry Gilbert

Vauxhall Vectra Sri Cdti

Just a quick email to thankyou for all your efforts in completing this deal for me. It has all been sorted and it's greatly appreciated. Good doing business again with your company. Car is better than I expected!

Richard White

Nissan Juke Hatchback 1.6 Tekna 5dr

Good Morning Angela I am more than happy to give you some feed back. I found the web sight most helpful, easy to use and informative. The staff have always been polite and extremely helpful and the service proved to be very efficient indeed. I always received a prompt reply to any enquiries and my car was delivered to my house hassle free. Apart from the very long form, that I would have to fill in where ever I went , this was the fastest most affective way to both finance and purchase my new car. I would recommend you to anyone who was thinking of car finance and purchase in the future. The Gap insurance was also an excellent deal and took about 10 minutes to arrange over the phone. Three words best describe your service, FAST, EFFICIENT, EFFECTIVE.

Stephen & Samantha Fisher

Carzu.com Carzu is a trading style of Car-Finance.net Limited. Car-Finance.net Limited FRN FRN:679612 is an appointed representative of Jigsaw Finance Limited which is authorised and regulated by the Financial Conduct Authority FRN 679612. All financial applications submitted to Carzu are processed and/or administered by Jigsaw Finance Limited. Jigsaw Finance Limited is a Broker not a Lender.

Company registration number : 04259645 | VAT No : 823826816 | ICO Registration : ZA124934

Registered Office : Carzu, Genesis Centre, Innovation Way, Stoke-on-Trent, Staffordshire, ST6 4BF

All finance is subject to status and income, applicants must be 18 or over, terms and conditions apply, guarantees and indemnities may be required.

Disclaimer: All vehicle images and descriptions are for illustration and reference purposes only, all vehicle leases are subject to credit approval and subject to change at any time. E&OE.

01782 366 025
info@carzu.com

Carzu.com Initial Disclosure Document

What is an initial disclosure document?

Who regulates us?

Which service will we provide you with?

What products do we offer?

What will you have to pay us for our services?

What to do if you have a complaint

Address

Useful links

Legal & compliance

More about us

Our services

Contact us

01782 366 025info@carzu.com

Carzu.com Initial Disclosure Document

What is an initial disclosure document?

Who regulates us?

Which service will we provide you with?

What products do we offer?

What will you have to pay us for our services?

What to do if you have a complaint

Address

Useful links

Legal & compliance

More about us

Our services

Contact us

01782 366 025
info@carzu.com