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 1054898. 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

Carrhaus 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://carrhaus.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. Carrhaus 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: 0191 380 1099
  • Post: Carrhaus, Carrhaus, front street,, Bebside, Blyth, Northumberlasnd, NE24 4HW
  • Email: jack@carrhaus.co.uk

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

I sold my car to Jack at Carrhaus. The whole experience was easy and hassle free. Jack is very easy to deal with, very knowledgeable about pricing and the whole process generally was very quick. The money was paid into my bank quickly and I would not hesitate to deal with him again in future, when either selling or buying a car. Top man.
— Joshua Dunlavy
Bought my sons first car with Jack, what a great set up he has, probably the most honest car dealer I’ve ever dealt with, I rang him up after an engine light came up on the dash a couple weeks after I bought the car he took the car back in sorted the problem free of charge, absolutely Stellar service
— Harvey
I recently bought a car from Carhaus and couldn’t be happier with the service I received. Jack, who looked after me throughout the process, was knowledgeable, approachable, and made everything feel easy from the moment I arrived. He took the time to explain the vehicle in detail, answered all of my questions honestly, and never made me feel rushed or pressured into making a decision. The whole experience was professional yet relaxed, which made a real difference. The car was exactly as described and presented to a very high standard. From viewing to collection, everything was handled smoothly and efficiently. A big thank you to Jack and the team at Carhaus for providing such excellent customer service. I would definitely recommend them to anyone looking for a quality vehicle and a straightforward buying experience.
— Jake Thompson
⭐⭐⭐⭐⭐ I recently purchased a car from Carhaus and couldn’t be happier with the experience. From the moment I arrived, the team was friendly, knowledgeable, and never pushy. They took the time to answer all my questions and helped me find the right vehicle to suit my needs and budget. The whole process was smooth, straightforward, and stress-free. The car was presented in excellent condition, and the customer service throughout was outstanding. It’s refreshing to deal with a dealership that genuinely cares about its customers and takes pride in what they do. I would highly recommend Carhaus to anyone looking for a quality vehicle and a professional, honest service. Thanks again to the team for making the experience so enjoyable.
— Northumberland Mobile Tyres
Fantastic service from Jack, went above and beyond made the whole process so easy start to finish. So happy with my new car. Highly recommend.
— Emily Wise
I recently bought a Ford Fiesta from this dealership and couldn’t be happier with the experience. Jack was absolutely fantastic from start to finish. He went above and beyond to make sure everything was sorted, answered all my questions, and made the whole process smooth and stress-free. There was never any pressure, just honest and helpful advice. The Ford Fiesta was exactly as described, came with a 6-month warranty, and was great value for money. The customer service was outstanding throughout, and I felt looked after every step of the way. I would highly recommend this dealership to anyone looking for a quality vehicle and excellent service. Thanks again to Jack for all his help – a genuinely top-class salesman! 🚗👏⭐⭐⭐⭐⭐
— Louis Hamilton
Bought a car from Jack today and the experience has been flawless from start to finish. Such an honest and down to Earth bloke and explained everything in detail. Will definitely be back in the future when I fancy another upgrade 👌🏼 Couldn’t recommend enough.
— Owen Miller
Great job. Quick service. Very good service. He got me a car quickly when I needed it on my return to the UK.
— James Dean
Got in touch with Jack for a quote for my car, he came within 2 days and give me an extra £500+ then 4 other garages that I had been too. Smooth + quick transaction. 100% recommend. Top bloke too.
— Grant T
Great service from Jack above and beyond
— Daniel Thompson
Q Finance

Finance your dream car with confidence

Your trusted partner for flexible and competitive car finance

Competitive Rates

Access market-leading interest rates tailored to your circumstances

Quick Approval

Fast decision process with same-day approval available

Flexible Terms

Choose from various payment terms to suit your budget

Personal Service

Dedicated finance specialists to guide you through the process

How We Can Help

Working with

GoShorty

Short-term vehicle insurance made simple.

Need short term insurance? Cover from 1 hour to 28 days, arranged in minutes.

Get A Quote Now
Call Us Email