At Ucan Financial Services Ltd, we are committed to providing a high quality of service to our customers. Please read this document carefully as it sets out the Terms of Business on which Ucan Financial Services Ltd will provide services to you. Please contact us if you have any queries regarding anything in this document which you do not understand.


Ucan Financial Services Ltd (“Ucan”) is a credit broker and credit intermediary. This means that Ucan will arrange finance for you to buy a car and in doing so will introduce you to one of our pre-selected lenders. In arranging finance, we do not conduct a market appraisal and we do not give any assurance or undertaking that the terms offered are the most competitive on the market. Whilst we will do our best to source an offer of finance for you, all finance is subject to status and terms and conditions will apply. Whether you are offered finance and upon what terms will depend on a variety of factors including your occupation, income, credit rating and creditworthiness.

In order to make a finance application, we will need to take some details from you. We also need your consent to pass on your information to our panel of lenders so that they can assess your finance application. In order to be considered for finance, Ucan and/or an external lender may consult a credit reference agency. This may leave a footprint on your credit file. If you are declined for finance then we can provide you with details of the credit reference agency (“CRA”) that Ucan and/or any of our lenders consulted. You are then free to make further enquires with the CRA should you wish to do so. If you want to place a restriction on the number of credit searches that are undertaken on you then please make this clear to us at the outset so that we can limit our search.

In relation to finance, Ucan acts as agent of the lender. We are not in a position to give you independent advice on financial products. We will however provide you with oral and written information so that you can make your own informed purchasing decision. You will be given time to read all the documentation provided to you prior to signing and given time to ask questions which we will do our best to answer for you.

Cancellation(Change of Mind) – In the case where the car is delivered to you without you visiting the showroom.

If the transaction we are completing with you falls under the terms of the Consumer Contracts Regulations 2014 (sometimes know by the previous legislation name of the Distance Selling Regulations). Under the terms of the legislation you have a 14 day period, starting from when you placed the order, to return the goods (the car) to us in the same condition in which it was sold along with the paperwork and other items (e.g.keys) to the selling branch. We cannot accept a return of the car if it has been damaged, modified or altered from the condition it was delivered in.

If you wish to take this action you should contact your selling branch at the earliest possible opportunity and return the car as soon as practicable thereafter. If in doubt how to do this please email [email protected]. Should you wish the car to be collected from you then the higher of £100 or £1 per mile will be charged to you. An excess mileage charge of £1 per mile for any mileage over 150 miles in those 14 days will apply. If you do change your mind you cannot use the car once you have notified us – but you must still tax and insure the vehicle until it is collected.

This cancellation (change of mind) clause does not affect any separate rights given to you in The Consumer Rights Act 2015 or the Sale of Goods Act 1979 (as amended).


Ucan Financial Services Ltd of Circular Garage, Poolstock, Wigan WN3 5DU is authorised and regulated by the Financial Conduct Authority (“FCA”) with Limited Permission to conduct credit intermediary business (“FCA registration number 747173”). You can check these details on the FCA’s register by visiting the FCA’s website www.fca.org.uk or by contacting the FCA on 0845 606 1234.


If your application for finance is approved, we will provide you with one specific offer of finance from one of our external lenders.

Ucan Financial Services Ltd is able to arrange Hire Purchase Agreements, Conditional Sale agreements, PCPs and Fixed Sum Loan agreements. Occasionally we may be able to arrange other products in specific circumstances. If there is a particular type of credit agreement that suits your particular requirements then please let us know and we will do our best to source that for you.


You must give to us accurate and complete information when making a credit application. You should check all documents that we present to you prior to signing to make sure they are correct. If there are any incorrect details on your documentation or if you are unsure about anything, please let us know immediately.


At Ucan we want to ensure that we treat you fairly before, during and after the sale. If you are dissatisfied with any aspect of our service or the product that you purchase please let us know and we will do our best to sort things out for you.

If you have a complaint about our credit related activities then please tell us without delay. You are also entitled to make a formal complaint by contacting us on the details below.

If you need more assistance from us because you are vulnerable person or for any other reason such as a mental or physical infirmity or learning disability, please let us know so that we can make reasonable adjustments for you.


There is no charge to you for Ucan arranging finance for you. We may however receive a finance commission from the lender who offers you credit. The amount of finance commission varies. If you would like to know how much finance commission we will earn on your transaction then please ask our member of staff who will be pleased to provide you with this information. If the exact amount of finance commission is unknown, then an estimated amount will be provided to you on request.


Our aim is to provide you with a first class standard of service at all times. If you feel that we have not met your expectations, please contact us in writing at Ucan Financial Services Ltd, Poolstock Lane, Wigan, WN3 5DU, or telephone 01942 363616.

We will acknowledge receipt of your complaint within 5 business days. If our investigations take longer than this we will provide a written response within 28 days, or explain the current position of your complaint and give you an indication of when we expect to provide our final response. If we are not able to resolve your finance complaint to your satisfaction within 8 weeks, you can then refer your grievance to the Financial Ombudsman Service for adjudication. This procedure is free of charge and we will advise you how to go about making the referral. Our written complaints procedure is available upon request.


All information about you will be treated as private and confidential and will be kept secure. We will only use and disclose the information we have about you in the normal course of applying for finance on your behalf and administrating goods and services including your finance agreement. We would also like to be able to contact you so that we can further advise you of developments and details of new products and services which might be suited to you.

From time to time we may use the information we hold about you to provide you with information on alternative products and services. If you do not wish to receive product or service information from us, please contact us at the above address. Under the Data Protection Act 2018 you have rights of access to any personal information we hold about you. If you have a