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

Hilton 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.hiltoncarsstockton.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. Hilton 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: 07921 505218
  • Post: Hilton Cars, M D P House, Teesway, Stockton-on-Tees, Cleveland, TS18 2RS
  • Email: 1robbosax@gmail.com

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: complaint.info@financial-ombudsman.org.uk

What our customers say about us

Our Reviews

Bought a Peugeot RCZ Excellent experience, very friendly and knowledgeable buying a car from Hilton Cars. No hard selling there if you like a car he gives you a price, simple and straight forward. Would recommend and use again.
— Anonymous
Great Experience Brilliant service from start to finish, clear communication, fair price for an excellent car and David is a genuinely lovely guy. My mother in law was thrilled with the purchase, thank-you
— Barry Good
We purchased a lovely little Ford Fiesta from Hilton Cars for our elderly mother-in-law and the whole experience was excellent from start to finish. We first spotted the car on their website, which was clear, informative and easy to navigate. When we arrived to view it, we were warmly welcomed by David Robinson, who is a true gentleman. We ended up having a great chat about all sorts and he made us feel completely at ease throughout. There was absolutely no hard sell, only genuine, honest help and a very straightforward, stress-free process. It really was a pleasure to deal with someone who values customer experience in this way. We wouldn’t hesitate to recommend Hilton Cars to others. An absolute pleasure to deal with!
— David Knowles
Excellent Excellent service David made sure the car I purchased was in perfect working condition I’d 100% recommend to everyone.
— Mark P
Top dealership David is a genuine bloke he put no pressure on me and was a pleasure to deal with.
— James H
Viewed a van from David. Went to pick it up the next day. Great service nice and simple very happy with my purchase. Wouldn’t hesitate to use again. Great guy.
— Jake D
An absolute pleasure to deal with! We purchased a lovely little Ford Fiesta from Hilton Cars for our elderly mother-in-law and the whole experience was excellent from start to finish. We first spotted the car on their website, which was clear, informative and easy to navigate. When we arrived to view it, we were warmly welcomed by David Robinson, who is a true gentleman. We ended up having a great chat about all sorts and he made us feel completely at ease throughout. There was absolutely no hard sell, only genuine, honest help and a very straightforward, stress-free process. It really was a pleasure to deal with someone who values customer experience in this way. We wouldn’t hesitate to recommend Hilton Cars to others. An absolute pleasure to deal with!
— david Knowles
Loving my new summer convertible David was a pleasure to deal with from the start. I am in south London and bought the car unseen. David went the extra mile to alleviate any doubts that I had in regards to the car and the transaction it self, despite of having multiple bids on the car. My car, a lovely red convertible arrived just in time for summer and I couldn’t be more pleased with it. I would recommend David and Hilton Cars, definitively.
— Anonymous
A pleasure to deal with We purchased a lovely little Ford Fiesta from Hilton Cars for our elderly mother-in-law and the whole experience was excellent from start to finish.We first spotted the car on their website, which was clear, informative and easy to navigate. When we arrived to view it, we were warmly welcomed by David Robinson, who is a true gentleman. We ended up having a great chat about all sorts and he made us feel completely at ease throughout.There was absolutely no hard sell, only genuine, honest help and a very straightforward, stress-free process. It really was a pleasure to deal with someone who values customer experience in this way.We wouldn’t hesitate to recommend Hilton Cars to others. An absolute pleasure to deal with!
— David K
Very straightforward and an easy going gent. Would absolutely recommend to anyone looking for a new vehicle. 5*
— Mark Wright
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