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 662371. 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

Automatic Cars Ltd t/a Ray Morris 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.automaticcarsltd.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. Automatic Cars Ltd t/a Ray Morris 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: 02083034030
  • Post: Automatic Cars Ltd t/a Ray Morris, Automatic Cars Ltd, 40-42 Welling High Street, Welling, Kent, DA16 1TQ
  • Email: sales@automaticcarsltd.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’m getting on well with the MG, I've gotta take it back in to get a part replace, but they said they'll do that for free, which is nice. I was looking an SUV because the family is getting a little bit bigger. So saw that car, good price. good mileage, good year. I booked test drive, but they didn't seem prepared me to take the car that day. We were there for a few hours while getting things ready, but aside from that, it was flawless.
— James C
Fantastic service, don't worry about where you live, we travelled from Leeds to pick up a perfect Subaru Forester and was picked up at the station. For you Automatic car look no further. First class service highly recommended.
— Anonymous
Very helpful salesperson, Tom, he gave me no pressure in buying and answered all my questions. Tom also delivered this car to my home address and taxed it too. This is the second car I’ve purchased from Automatic Cars Ltd. Great service from very experienced people. I would highly recommend.
— Anonymous
Highly recommend Automatic Cars if you’re looking for an automatic. Great service throughout. Dealt with Stuart from the start. Found the car I was looking for and was seamless in securing it and becoming mine.
— Rob Watts
Good selection of automatic cars with a few manual cars available as well. Helpful sales person, Tom, and no pressure selling. Straightforward part exchange deal and fair price offered as long as you are realistic. Car ready as agreed with new MOT, valet and very happy with purchase and in house warranty provided.
— Anonymous
Excellent service. Stuart is charming and very easy to deal with. The entire process of purchasing a car could not have been easier. I would highly recommend. We spoke on the phone and then went down to Welling to see the car. The car was then MOTd and delivered to us within 24 hours. Couldn't have been simpler.
— Anonymous
Well attended my query for searching a car that suits me . Service is very good .
— Carmen Blakemore
Excellent service from experienced people! Good prices with a reasonable part exchange! We have bought several cars from this place and have been happy with the service and cars!
— Anonymous
Stuart was so helpful and such pleasant salesman.
— Margaret Howard
Excellent service given by Tom. No pressure sales and gave us time on our own to view the car. The buying process was easy and quick. Car was available quickly. 1st class service and would thoroughly recommend their services and the quality of the vehicles.
— Anonymous
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