Terms & Conditions

TERMS OF BUSINESS FOR DEPOSIT / PURCHASE CONTRIBUTION PAYMENTS & CREDIT TRANSACTIONS

 

Deposits / Purchase Contributions once paid are NON-REFUNDABLE

The deposit serves as a commitment to secure the vehicle for you. Once paid, we will remove it from the market and turn away other potential buyers. We may have several potential buyers interested in a particular vehicle at any one time. For this reason, deposits are non-refundable to account for administrative costs, lost opportunities, the time invested in holding the car & significant re-advertising costs. No exemptions will apply.

 

•      CREDIT TRANSACTIONS – THIS DOCUMENT IS PREPARED IN ACCORDANCE WITH CENTRAL BANK GUIDELINES AND IS DESIGNED TO PROVIDE YOU (THE CUSTOMER) WITH ADDITIONAL INFORMATION AS TO THE ENTITY WITH WHICH YOU ARE ENTERING A CREDIT AGREEMENT.

 

•  FERMOY NISSAN LTD, DUBLIN RD, FERMOY, CO. CORK IS AUTHORISED AS A CREDIT INTERMEDIARY BY THE CENTRAL BANK OF IRELAND AND IS SUBJECT TO THE PROVISIONS OF THE CONSUMER PROTECTION CODE.

 

• THE COMPANY PROVIDES FINANCIAL ADVICE TO CUSTOMERS IN THE COURSE OF RETAILING MOTOR VEHICLES: THE PRODUCTS OFFERED INCLUDE CONSUMER HIRE AGREEMENTS, LEASE AGREEMENTS AND PERSONAL CONTRACT PLANS (PCP).  THE COMPANY IS AUTHORISED TO ACT AS A CREDIT INTERMEDIARY ON BEHALF OF VARIOUS FINANCE PROVIDERS.  WE PROCESS CONSUMER CREDIT APPLICATIONS DIRECTLY TO THOSE INSTITUTIONS FROM WHOM WE HAVE RECEIVED AUTHORISATION AND WE AIM TO PROVIDE A FAIR ANALYSIS OF THE MARKET IN ORDER TO INFORM THE CONSUMER OF THE BEST POSSIBLE RANGE OF PRODUCTS AVAILABLE.

 

• THE COMPANY OPERATES IN ACCORDANCE WITH GENERAL DATA PROTECTION REGULATIONS (GDPR) AND WILL ONLY UTILISE DATA OBTAINED IN THE COURSE OF A FINANCE APPLICATION FOR THE PURPOSE FOR WHICH IT WAS INTENDED. CONSENT WILL ALWAYS BE OBTAINED PRIOR TO SUBMISSION OF DATA TO ONE OR MORE CREDIT PROVIDERS. IN THE COURSE OF A FINANCE APPLICATION, PERSONAL DATA WILL BE SUBMITTED TO the CENTRAL CREDIT REGISTER (CCR) FOR VERIFICATION.

 

• AS THE COMPANY OPERATES AS A CREDIT INTERMEDIARY, NO CHARGES ARE IMPOSED DIRECTLY BY THE COMPANY, AND IN THE EVENT OF DEFAULT BY THE CONSUMER, ALL MATTERS WILL BE HANDLED BY THE CREDIT PROVIDER.  THE CREDIT PROVIDERS “FOR” WHOM WE ARE AUTHORISED TO ACT PERMIT THE PAYMENT OF RENUMERATION FOR THE ARRANGEMENT AND PROCESSING OF CREDIT AGREEMENTS.  THE COMPANY OPERATES A POLICY OF FULL AND IMMEDIATE DISCLOSURE IN THE EVENT OF A CONFLICT OF INTEREST.

 

• THE COMPANY HAS IN PLACE A COMPLAINTS PROCEDURE POLICY IN COMPLIANCE WITH CPC.  IN THE EVENT OF A COMPLAINT, THE CUSTOMER CAN CONTACT SEAN MCCARTHY, COMPANY DIRECTOR, WHO WILL ACKNOWLEDGE RECEIPT OF THE COMPLAINT WITHIN 5 WORKING DAYS AND WILL PROVIDE A DIRECT POINT OF CONTACT FOR FURTHER CORRESPONDENCE.