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 1055374. 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

MTM Car Sales 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.mtmcarsales.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. MTM Car Sales 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: 07551 795664
  • Post: MTM Car Sales, Unit E Glenalmond Business Park, Pitcairngreen, Perthshire and Kinross, PH1 3LX
  • Email: mtmcarsale31@gmail.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

Hussain is a really nice guy. Bought a car from him recently. Couple of issues with the car after purchase but Hussain responded immediately and dealt with everything promptly with no problem. I wouldn’t hesitate to buy from him again.
— Robert Wilson
We have just collected our car and couldn’t be happier. This has, without a doubt , been the best car buying experience we have ever had and there have been many. We found Hussain to be extremely polite, helpful and knowledgeable. Unfortunately, we missed him when we collected the car but the other staff were equally charming and efficient. Hussain is a rare diamond amongst used car salesmen and I can not recommend MTM enough.
— Debra Evans
We recently bought our second car from Hussain, and once again the experience was absolutely brilliant. He genuinely goes above and beyond every step of the way. From the initial viewing right through to arranging the MOT and getting all the work done, he kept us fully updated and made everything completely stress free. It’s rare to find someone so reliable, honest, and easy to deal with. Nothing was too much trouble, and he made sure everything was sorted to a high standard. A great young man to deal with we wouldn’t hesitate to recommend him to anyone looking for a car. Thanks again, Hussain!
— Micheal Mcdonald
Came across a lovely looking golf on Hussain's website. After a quick look over previous Google reviews, I decided to arrange a viewing of the car. Hussain was very accommodating and friendly. I decided to take the car after seeing it, the car came with a service and fresh MOT which was arranged and tested within a few days. Hussain offered to sort out the road tax, so it was ready as soon as. He offered to deliver the car when I couldn't find a way to collect. I have had the car for around a week. Today the rear license plate had fallen off the car. I phoned Hussain (as I'd never had this happen before) he quickly arranged a place local to me to make a new plate and for me to collect. - within 45 mins!! 10/10 customer service. I really can't rate him enough. Highly recommend getting a car from Hussain/MTM. Thanks again.
— Ceri-Ann
Bought my first Car through MTM and honestly don't think it could have been a smoother process. Hussain could not have been any more helpful with the whole process, was patient throughout and seemed to have a genuine interest in both the customers and the cars. Kept frequent updates throughout on what was happening with the car (MOT etc). He was even kind enough to drive the car through to me in Dundee to help out. The car itself has been brilliant and so far no issues whatsoever! Couldn't recommend MTM enough, made purchasing my first car an absolute breeze.
— Sean O'Toole
Hussain was refreshingly brilliant. An absolute honest gentleman. He told us what work was done on the vehicle and we verified it through dvla mot history. Sparkling service from beginning to end. Highly recommend
— Jim Vernon
Really nice guy, wish him all the best. Picked up a Skoda Octavia last week, good price and helpful but not pushy sales. Can't ask for anything more really.
— nbenja3
I knew what car I wanted but couldn't find one locally in Fife. I came across MTM car sales in Perthshire after searching for the particular vehicle online and I'm so glad I did. After reading 5 star reviews I bought my car unseen. Hussein was the most helpful car dealer I have ever dealt with and went more than the extra mile to fit in with my times. The car is a dream to drive and was exceptional value and although ten years old is in tip top condition. Hussein deserves his five star reviews and I wouldn't hesitate to recommend him to anyone. Nothing was too much trouble for him.
— Dizzy Daisy
Really good selection of quality used cars for sale,purchased a ford fiesta from Hussain and pointed out some advisories on the MOT,he arranged to get ALL the advisories rectified which was carried out over the following week,he also delivered the car himself which had been valeted to a high standard,got a message from him a couple of weeks after purchase asking if we were happy with the car which was a nice touch.i would certainly recommend this dealer if you are looking for a good quality second hand car at a competitive price and also want to deal with someone who is 100% genuine and really cares that you are happy with your purchase.
— Ian Burrell
Best car purchase experience we ever had. Honest, knowledgeable, informative, responsive and very kind. Every detail about the car was advertised and verbally communicated and then highlighted when we went to view the car. Nothing was kept hidden, every work done on the car was proven with recognised paperwork and invoices, and MTM assured us for what the warranty is going to be like. Highly recommended.( 6 months update): 6 month later, the car has been a wizard, didn’t need to do or change anything, we needed the lock nut key a week after the purchase and MTM offered us to pay for the removal of the lock nut at a garage of our choice which was very kind. Other than that it has been the best car purchase experience. Great car, responsive, kind and very polite people.
— Bayern Munchen
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