Our Terms of Business

The Financial Conduct Authority (FCA) is the independent watchdog that regulates financial services. The following information is to be given to consumers considering buying certain financial products. You need to read this important information. It explains the service you are being offered and how you will pay for it.

Whose products do we offer?
Oracle Asset Finance Limited act as an independent broker working with a wide range of lenders to provide you access to a range of competitive products. A list of all the lenders we deal with is available on request. There are other lenders in the market that we do not deal with.

Which service will we provide you with?
We will ask questions to narrow down the selection of products that we will provide you details on. You will then need to make your own choice about how to proceed.

You will not receive advice or a recommendation from us.

What will you have to pay us for our services?

No fee is payable to Oracle Asset Finance Limited for our services. The interest rate is determined by the age of the car and the amount that you borrow. These factors may affect the commission we are paid from the lender for any deal that is written.  If your details were given to us by one of our panel of introducers they may also receive a portion of the commission received from the lender.

On request or before entering into a contract you will receive Pre-Contract Credit Information for products regulated by the FCA. This will tell you about any other fees relating to any particular product.

Who regulates us?
Oracle Asset Finance Limited, Oracle House, Whitfield Business Park, Manse Lane, Knaresborough, HG5 8BS is authorised and regulated by the FCA. Our FCA Authorisation Number is 662576.

Our Permitted business is:

  • Consumer credit business;
  • Credit broking;
  • Debt-Adjusting – Limited to adjusting-settlement vehicle finance; and
  • Debt-Counselling – Limited to counselling-settlement vehicle finance.

You can check this on the Financial Services Register by visiting the FCA’s website here or by contacting the FCA on 0800 111 6768.

What to do if you have a complaint
We aim to treat you fairly. We carefully consider the products we offer and we select them with our customers in mind. We work hard to make sure the information we provide is clear and understandable and that you are not misled. Our complaints process is fair and accessible, and if we have made a mistake we will aim to remedy the matter. We want you to be confident and comfortable in your dealings with us.

If you wish to register a complaint, please contact us:

…in writing        Write to Head of Customer Service, Oracle Asset Finance Limited, Oracle House, Whitfield Business Park, Manse Lane, Knaresborough, HG5 8BS

…by phone         0800 012 6666

…by email          info@oraclefinance.co.uk

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.