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 672627. 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

J & M Specialist Cars 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.jandmspecialistcars.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. J & M Specialist Cars 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: 07725 185866
  • Post: J & M Specialist Cars, Barmoor Garage, Main Road, Ryton, Tyne and Wear, NE40 3AG
  • Email: [email protected]

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: [email protected]

What our customers say about us

Our Reviews

Absolutely first class customer service from these guys. From my initial enquiry about a vehicle to the final part exchange of my old truck (for which they gave a very fair trade in deal) and handover of my new truck I couldn’t have asked for more. Doug was professional and friendly and the trip I made from south of London to their premises near Newcastle was worth it. The vehicle was exactly as he had described and advertised and presented in immaculate condition. Highly recommend
— Tim Flintan
4 years ago I was searching for a larger van for work ( dog walker) and I found an add for one at J & M. I went up and met Doug who showed me round the van. what I liked and appreciated is that there was ZERO pushy sales techniques - here's the van, here's the info if you want it let us know. Anyway I bought the van and fast forward 4 years later its time for an upgrade and of course there was no where else I would want to go! I found exactly what I wanted online, had a look, had the same brilliant experience as the first time and of course have bought this one. Brilliant staff and nothing is too much. Incredibly happy with the van, I'd not hesitate to recommend them to anyone else. I will see them again for my new van no doubt ... but hopefully not for quite a long time! 🤣 thanks again guys!
— Harley Rae
Can't fault this company from start to finish! Doug was so lovely, a pleasure to deal with. I travelled down from Scotland on a train and James picked me up from the station. I was met by Doug and the rest was just straight forward. Lovely clean truck, as described by Doug prior to traveling. Great communication, nothing as too much trouble. The truck had a problem to which I took it to my local mechanic back in Scotland a week after purchase, without a problem Doug gave them the go ahead and payed for the repair. Straight forward! I was treated with respect and kindness from the get go. I can't recommend the company enough. Thank you Doug and James, (sorry didn't meet the other brother!!) 😅💞
— Jodie Sharp
Honestly, the level of service we have just received from these guys has been OUTSTANDING! One of our vehicles was stolen, and we needed to get another vehicle as a matter of urgency. We did a deal on a new pick-up with Johnny & Doug….. but the insurance company decided to drag their heels in regards to settling the finance on the stolen vehicle which in turn massively delayed us being able to arrange finance on the truck we agreed to buy from J&M. These guys completely understood our situation, and gave us a pick-up truck to use for 3 weeks absolutely FREE OF CHARGE whilst everything was sorted out.
— Ryan Stienlet
Doug at J&M Specialist Cars provided an absolutely outstanding experience from start to finish. From the moment we walked in, it was clear that he genuinely cares about his customers and takes pride in what he does. He went above and beyond to make sure everything was right for us, taking the time to answer all our questions and making the whole process smooth and stress-free. His knowledge, honesty, and attention to detail really stood out, and we never felt rushed or pressured at any point. We’re absolutely thrilled with our truck—it’s exactly what we were looking for, and Doug made sure it was in fantastic condition before handing it over. It’s rare to come across someone so dedicated and trustworthy these days. If you’re looking for great service and someone who truly goes the extra mile, I wouldn’t hesitate to recommend Doug at J&M Specialist Cars. We’ll definitely be back in the future! ⭐⭐⭐⭐⭐
— steph patterson
Great people ,very talkative and made it such an easy process really happy with my Izuzu dmax kept it in amazing condition for when I turned up will be buying future trucks from here!
— Nicholas Russell-Maxwell
I don’t usually give reviews but on this occasion I couldn’t not ☺️ Outstanding Customer service. They went above and beyond. Everyone we met at the garage were super friendly and really helpful. Thank you Doug for all your help. It is very much appreciated.☺️ 100% highly recommend these guys if your looking for a new vehicle ☺️
— Amy Wilson
Owned a lot of my cars in my life and this was by far the best service I’ve ever received, from initially looking for a truck to picking one up. Johnny & all the team have been brilliant from start to finish, they will go above and beyond for you. Super happy customer & will not hesitate to return when the time comes to swap my truck
— Danni E
Been looking for a pickup and I got what I was looking for and then sum. Staff are very friendly and helpful and my purchase was completed and picked up within the same week. I highly recommend if you are looking for a pickup or any kind of car they do there best to accommodate, this is the place to go. Really happy with my truck. 👌
— Dave Grim
Extremely friendly, helpful and arranged all agreed touch ups and repairs prior to pick up. A great selection of pick up trucks and I will definitely be purchasing my next truck from them in the future. Well recommended 👌
— Alan Carter
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