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.
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.
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. All financial applications submitted to Carzu are processed and/or administered by Jigsaw Finance Limited. Please note that all our telephone calls are recorded for training and monitoring purposes.
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.
We do not charge a fee for the introduction to the finance provider; however, where we source the vehicle, we do charge a Broker Service Fee. Please see the details specified in our Information Notice by accessing the following link www.carzu.com/information-notice. We will receive a commission payment from the finance provider if you decide to enter into an agreement with them. The amount of commission will be made available to you on request.
The first step is for us to understand your complaint; you can contact us by
Please provide your name and daytime contact number where we can contact you between the hours of 9 am - 5 pm 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:
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 email@example.com
Our trading address is: Carzu, Genesis Centre, Innovation Way, Stoke- on-Trent, Staffordshire, ST6 4BF