Who are Richlee?

We are a family run business established in 1985, always offering a warm friendly service. We provide used vehicles. We have the experience to make sure the deal you require for your used vehicle is available. We are one of the largest used car dealerships in Essex. We have two sites, Spur Garage London Road, Rayleigh Essex, SS6 9EY and Chapel St, Billericay CM12 9LT. We also have a accident and repair centre, 4A Robert Way, Shotgate Industrial Estate Rear Of Thermotel, Wickford SS11 8DD.

What can we do for you?

Richlee Motor Company is here to provide you with the best used vehicle to fit your wants and needs. (FCA reg 668155) We are not permitted to advise or arrange regulated insurance products for our customers. We also work with a panel of carefully selected lenders who may be able to fund your vehicle purchase. Richlee is a credit broker – we are NOT a lender. We can introduce you (whether direct or through a specialist credit broker) to a number of finance companies (funders) who may be able to finance your transaction. There are other funders to which we cannot introduce you which may also be able to offer you finance. We will provide you with information and explain the finance products that may be available to you. Based on the information given from you we will try and match your needs and circumstances. Finance is arranged subject to status and terms and conditions. We cannot guarantee we will secure finance for you. You are under no obligation to make use of any financial product arranged by us, or to purchase any insurance product from us. Other providers may offer similar finance or insurance products. For more information, please visit the FCA website at: htts://register.fca.org.uk/. Please note that business customers may not be protected under the Consumer Credit Act 1974 or FCA rules.

Do you need to pay us for our service or advise?

No, we are here to direct you help you with the purchase of your vehicle. Different funders/brokers will pay us a fee, typically a percentage of the balanced borrowed. The finance we offer you will vary according to different factors such as the age of the vehicle and the risk of lending funds. For reassurance, we are unable to change interest rates in order to receive more commission from a lender or broker. Rates and commission will vary between our different finance lenders. Our main focus is to secure finance for you which is appropriate to your circumstances at the lowest interest rate possible.

We will use your information to obtain quotes from funders and brokers to process a finance application through them, they may also conduct a search of your record with one or more credit reference agencies. Credit checks may appear as a result on your credit file lodged by organisations with whom you have not dealt with directly. The personal information collected will also be shared with fraud prevention agencies who will use it to prevent fraud and money laundering and to verify your identity. If fraud is detected you could be refused certain services, or finance.

What if you have a complaint?

In most cases a complaint can be resolved by a manager at Richlee. However, you can register formally in writing by emailing [email protected] or by post to Richlee Motor Company Limited, Spur Garage, London Road, Rayleigh, Essex, SS6 9EY . We will endeavour to respond to your complaint within seven working days. If you are unhappy with the response to your complaint, or you wish to receive independent advice, you can seek to gain Alternative Dispute Resolution by contacting the National Conciliation Service on 01788538317 or via their website www.nationalconciliationservice.co.uk. If you wish to make a complaint after a purchase, and have chosen to fund your purchase through one of our recommended lenders then you may wish to choose to contact them directly with your concern and they will guide you through their own complaint process, due to their vested interest in your vehicle.

What if you are still dissatisfied?

If at any stage, you feel that you cannot get a satisfactory resolution to your complaint you can refer to the Financial Ombudsman Service. You can find out more about this service by visiting www.Financial-ombudsman.org.uk or by writing to:

Financial Ombudsman Service South Quay Plaza
183 Marsh Wall
London
E14 9SR

Need extra support?

We understand that choosing a new vehicle is a big decision and that a lot of factors will be discussed. If at any stage, during the process you feel that you need extra support while you consider your purchase options, please do not hesitate to mention this to any of our colleagues. This could include language or access challenges for example. We will do all we can to facilitate your needs so that you can make a decision which is right for you!