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 820925. 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

Angus Motor Company 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.angusmotorcompany.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. Angus Motor Company 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: 01307 477732
  • Post: Angus Motor Company, Angus Car Co, 53 Dundee Road, Forfar, Angus, DD8 1HY
  • Email: angusmotorcompany@mail.com

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

Friendly service. Down to earth staff. Would highly recommend Due to them being a wee bit behind, they dropped me off at my daughters house and picked me up again, because I've got end stage copd Can't fault them at all 5☆☆☆☆☆
— Gus Henderson
TRUSTED FAMILY RUN CAR SALES BUSINESS WITH A SMILE 😀 🚙 💰 WE RECENTLY SOLD OUR £10k CAR THRU AMC IN FORFAR, WHAT A DELIGHTFUL PROFESSIONAL EXPERIENCE…!!! From our initial visit and very welcoming conversation with the lady in the reception to speaking with Jim the owner all questions were answered in depth putting any fears and anxiety to rest. Our car was dropped off the following morning and by the afternoon it had been valeted, motd placed online and put up for sale on there forecourt and low and behold 2 days later we received a phone call to inform us it was sold..!!!! 🚙 💰 Within a few days the agreed cash was transferred into our account what an unbelievable service, well done Angus Motor Company you put some of the larger garages in Forfar to shame..!! We can’t recommend them enough, thanks again AMC CAR SALES… 👍
— Ged Page
Just bought a car from AMC and we had a great experience from start to finish, we dealt with Rob, who couldn't have been any better, great time for people, explained any questions we had, picked up our car and honestly it was like new, we certainly will be back.
— Jean Donegan
Great service from start to finish. Rob looked after me and quality was second to none
— David
Excellent customer service and after car collection care. No pushy sales, I got a new black alloy wheel which made my car more appealling, clean sheet MOT. After I collected my car, I noticed a slight sound. I called the garage, without any hesitation I was asked to bring the car over; they checked it promptly and assured me that nothing was wrong that it was pretty normal. To further reassure me, the service staff took me on a test drive. I am writing this review a month after my car collection, and no issues! Both the Sales and service team are great in terms of service. I highly recommend AMC. Thank you also for gifting me £20 for my first fuelling😊
— Chikodi Iroh
There was no pressure to buy, Robb was very informative, honest and friendly. A relaxing atmosphere and lovely team. First class service. The fact that we got a doorstep delivery was amazing. A huge thank you to Robb, boss man (Jim) and Dianna.
— Kath Cumming
Excellent experience buying my daughter’s car from AMC in Forfar. Easy transaction and plain sailing from start to finish, car has been amazing and looks brand new! Thank you Jim and Deanna will def recommend to others 10/10
— Karen Mcleod
So glad we purchased our car from Angus Motor Company as we have had excellent contact and assistance from the very first phone call. We also felt confident we got a great deal and found a very trustworthy company. We have absolutely no qualms with dealing with them again in the future. A full years MOT plus a great warranty also gave us the peace of mind that we were being sold a vehicle they were 100% confident in. A full service and valet before we collected showed pride in their work.— with Jamie Beglin.
— Nicki Ross
Excellent all-round service from an approachable and competent team. Needed a car quickly which I bought after easygoing, no-pressure sale delivered by friendly salesman. That car has so far exceeded all expectations. Also left my treasured old Audi A4 with them for repairs and MOT and am not sure it has ever run better during my ownership with virtually a clean sheet which I've never seen before. Besides top admin and sales staff, they obviously employ highly professional and caring mechanics not always easy to find these days. So would highly recommend.
— Charlie Lush
WOW……..What great customer service and got to meet the big boss him self… payment process was nice and easy and drove my new car away the same day…… after all paper work was finalised of course. Would a 100% recommend this garage.
— Grace Nichol
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