Initial Disclosure Document
about our credit broking services
Who we are
Culloden Car Sales Ltd, registered in Scotland number SC222206.
Registered office, 3 Fodderty Way, Dingwall, IV15 9XB.
Trading address, 1 Barn Church Road, Culloden, Inverness, IV2 7WB.
Telephone 01463 792211, email [email protected], www.cullodencarsales.co.uk.
Authorised and regulated by the Financial Conduct Authority for credit broking, Firm Reference Number 672518. You can check this on the Financial Services Register.
What we do
We are a credit broker, not a lender.
We can introduce you to a panel of lenders and their finance products.
We give information to help you decide if a product meets your needs, we do not give independent financial advice.
Finance is subject to status, affordability and lender terms. We cannot promise approval.
We do not arrange or advise on insurance products.
How we are paid
We may receive a commission for introducing you to a lender.
We will tell you in writing the exact commission amount in pounds, and how it is calculated, before you sign any finance agreement.
If another broker sits between us and the lender, we will also tell you any commission we receive from them.
We cannot change your interest rate to earn more commission.
Our lender panel and any limits
We work with a limited panel of lenders. You are free to seek finance elsewhere.
If, for any reason, your options are limited to one lender, we will tell you that before you decide.
Wholesale funding
One lender on our panel provides a wholesale stocking facility that helps us hold vehicles in stock. This does not influence our introductions.
Costs and fees
You do not pay us a fee for arranging finance.
Lenders may charge interest and fees under their own terms, these will be shown to you before you decide.
Using your information
We will use your information to obtain quotes and, if you proceed, to submit your application to one or more lenders or a specialist broker.
Lenders may carry out credit checks and share information with credit reference and fraud prevention agencies.
For full details, see our Privacy Notice at https://www.cullodencarsales.co.uk/privacy-policy.
We are registered with the Information Commissioner’s Office, ZB341718.
Business customers
Some protections under the Consumer Credit Act and FCA rules do not apply to business use. Ask if you are unsure.
Consumer Duty
We aim for clear, fair and timely communication, and outcomes that support your needs. If anything is unclear, tell us and we will fix it.
Complaints
If you are unhappy, contact, Complaints, Culloden Car Sales Ltd, 1 Barn Church Road, Culloden, Inverness, IV2 7WB, or [email protected], or 01463 792211.
We will try to resolve matters quickly. We have up to eight weeks to send our final response.
If you remain unhappy, you can ask the Financial Ombudsman Service to review it. You usually have six months from our final response. For some motor finance complaints there may be up to fifteen months. See www.financial-ombudsman.org.uk for details.
Financial Services Compensation Scheme
Credit broking is not covered by the Financial Services Compensation Scheme.
Contact us
Telephone 01463 792211, email [email protected].
Version
IDD reference, CC-IDD-2025-10, effective from 29 October 2025.