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Commissions Disclosure:
James O'Hara & Sons Motors confirm the existence of commissions payable within our business (either a fixed fee or a fixed percentage of the amount you borrow). We receive commission, fees and financial remuneration for the services and products we provide and sell. The lenders we work with could pay commission at different rates. However, the amount of commission we receive from a lender does not have an effect on the amount you pay to that lender under your credit agreement.
We disclose the existence of commission and upon request, the amount of any commissions payable for transparency with our customers. We do this to ensure that the customer's decision to purchase one of our products or services is fully informed. The amount of commissions payable to any credit broker may materially influence the customer's decision to enter into the credit agreement or not. We provide commission disclosures before customers enter into any credit agreement so that our customers can rest assured that the product or service recommended to them is not based on the financial payment the broker stands to gain out of the agreement.
We are required to disclose, in good time before a credit agreement is made, the existence of commissions payable within our business. We will also disclose to you the commission model that our business relies on so you may confirm it is not discretionary. When you request it, we will disclose the amount of commissions payable. You can submit a request for a commission disclosure at any time. Our details are;
Address: James O'Hara & Sons Motors, 319 Clooney Road Ballykelly , Limavady, Derry / Londonderry, BT49 9JE
Phone: 028 7776 2844

What can you do if you wish to complain about our services?

If you wish to make a complaint, please contact us in the first instance by writing to us at James O’Hara & Sons Motors, 319A Clooney Road, Ballykelly, Limavady, BT49 9JE or by telephoning us on 028 777 68222. We aim to investigate your complaint within 72 hours and write to you with a final response within 8 weeks.
Should you remain dissatisfied you may have the right to ask the Financial Ombudsman Service to review your complaint, please note the FOS may not be able to deal with complaints from business customers.
Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR.
Web: www.financial-ombudsman.org.uk
Telephone: 0800 023 4567