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 [FCA number]. 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

The Garage At Stanley Mills 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.thegarageatstanleymills.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. The Garage At Stanley Mills 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: 01274565505
  • Post: The Garage At Stanley Mills, Stanley Mills, Whitley Street, Bingley, West Yorkshire, BD16 4JH
  • 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

I cannot praise this establishment highly enough, the owner, Tony Bilham, was very patient and helpful to me regarding the purchase of an excellent VW Golf GTD. The questions I asked were answered promptly and politely, the advice given was second to none. He went beyond and above my expectations in his preparation of the car, even fitting a new battery because and I quote “it felt a little sluggish on start up this morning”. Excellent experience, fabulous customer service, superb from the moment of first contact through to the collection of the car. Highly recommended to all, and would definitely use for purchase of another vehicle.
— Ian
I bought my first car from this company about 5 months ago and had a great experience from start to finish. Tony was absolutely brilliant — friendly, patient, and easy to talk to. He took the time to explain everything clearly and never made me feel pressured, which really helped as a first-time buyer. The whole process was smooth and stress-free, and even months later I’m still really happy with my car. I’d definitely recommend this company to anyone looking to buy a car.
— James
We had a brilliant experience at The Garage at Stanley Mills from start to finish. Viewing the Hyundai i10 that we were interested in was easy. Tony left us to look over the car in our own time. The test drive was totally relaxed and afterwards Tony answered all the questions we had. One week later we collected our car, paperwork was ready and everything finalised. It was a totally relaxed, hassle-free experience. We would highly recommend this Garage.
— Jo Payne
Having bought many cars over the years, I can honestly say that buying my car from Tony Bilham at The Garage, Stanley Mills, Bingley, has been one of the best experiences I’ve ever had. From the moment I first met Tony I felt I was dealing with someone who genuinely values his customers. He was friendly,knowledgeable,patient, and never once put me under any pressure. Everything was explained clearly, and I had complete confidence that I was buying from someone I could trust. What impressed me most was the exceptional level of customer care. Tony went far beyond what I expected. He bought and fitted my personalised number plates, sourced and supplied a spare wheel and tyre because the car had never been fitted with one,completed all the paperwork to transfer everything over, and when I arrived to collect the car, he said the battery didn’t sound as though it was at its best. Rather than taking any chances, he fitted a brand-new battery before I drove away. Every one of those things was done without charging me a penny extra. That kind of service is incredibly rare these days and says everything about the way Tony runs his business. It’s easy to sell someone a car It’s much harder to earn their complete trust and confidence. Tony did exactly that,and I drove away knowing I`d made the right choice If you’re looking for a quality used car and want to buy from someone who is honest, trustworthy, and genuinely goes above and beyond for his customers, I cannot recommend Tony Bilham and The Garage at Stanley Mills enough. Thank you , Tony it has been an absolute pleasure doing business with you. You have certainly gained a customer who will happily recommend you to family,friends,and anyone looking for a first class car-buying experience
— Anthony Boyes
Restored my faith After a bad experience elsewhere it was reassuring having an open and honest discussion about the car. Tony made the whole process easy and relaxed without any hard sell or pushiness. The fact the car was in great condition and Tony was honest about a little issue he was going to get resolved gave me further confidence I was getting an honest picture. Absolutely would recommend this place.
— Simon
“ My experience at The Garage at Stanley Mills was memorable because , Tony was very easy to deal with, his knowledge of the car I ended up buying was second to none, he even went out of his way for me to view the car and although I was not going to part exchange my old car, Tony offered a price I was more than happy with, when it's time for a change, I will be back to see Tony. ”
— Mr Crossley
“ I would recommend The Garage at Stanley Mills to friends and family because - specially picked choice cars for sale, great range. ”
— Mr Leach
“ The experience at The Garage at Stanley Mills was great because Tony was professional in all aspects. The car was immaculate, fully serviced and I was given free access to test drive. The buying and collection of the car was easy and at my convenience. Tony sources quality used cars and I fully recommend his services ”
— S Fox
“ The Garage at Stanley Mills were great because Tony was very accommodating and helpful, gave honest and straight answers to questions. No hard sales, just a relaxed and friendly dealership. I would highly recommend this dealer. ”
— Mr Morrow
“ The Garage at Stanley Mills were great because they were very professional, friendly and informative. Delivered my new car within a couple of days and sorted all the paperwork out for me. ”
— Mrs Lockett
Q Finance

Finance your dream car with confidence

Your trusted partner for flexible and competitive car finance

Competitive Rates

Access market-leading interest rates tailored to your circumstances

Quick Approval

Fast decision process with same-day approval available

Flexible Terms

Choose from various payment terms to suit your budget

Personal Service

Dedicated finance specialists to guide you through the process

How We Can Help

Working with

GoShorty

Short-term vehicle insurance made simple.

Need short term insurance? Cover from 1 hour to 28 days, arranged in minutes.

Get A Quote Now
Call Us Email WhatsApp