SUNBURY 01932 721000
WALTON 01932 234000
Initial Disclosure Document
Who are MJA Car Sales?
MJA Car Sales is a trading name of Michael James Autos PLC: Company Registration no. 1173507; Registered Address: 9 Cheam Road, Ewell, Surrey, KT17 1SP
MJA Car Sales is a family owned business and has sold over 165,000 cars since we opened in 1974. We choose our used cars carefully before the sale and we look after our customers after the sale.
What can we do for you?
Michael James Autos PLC are authorised and regulated by the Financial Conduct Authority for credit brokerage. Their registration number is 310192. We are a credit broker and not a lender.
We can introduce you to a limited number of lenders and their finance products. We are not an independent financial advisor. We may advise you on the products, subject to your personal circumstances, though you are not obliged to take our advice or recommendation. You must decide whether the finance product is right for you.
We do not charge you a fee for our services. Whichever lender we introduce you to, we will typically receive commission from them either a fixed fee or a fixed percentage of the amount you borrow
For your reassurance, all of the lenders we work with could pay commission at different rates, but the commission we receive does not influence the interest rate you will pay. Our aim is to secure finance for you at the lowest interest rate you are eligible for from our panel of lenders.
If you ask us what the amount of commission is, we will tell you in good time before the Finance agreement is executed
You are under no obligation to make use of any financial product arranged by us, or to purchase any insurance product from us. Other providers may offer similar finance or insurance products which may meet your needs.
Need extra support?
We understand that choosing your new car is a big decision and that a lot of factors will be discussed. If at any stage, during the process you feel that you need extra support while you consider your purchase options, please do not hesitate to mention this to any of our colleagues. This could include language or access challenges for example. We will do all we can to facilitate your needs so that you can make a decision which is right for you.
What if you have a complaint?
In most cases a complaint can be resolved by a manager at MJA Car Sales. However, you can register formally in writing by emailing info@mjacarsales.co.uk or by post to: MJA Car Sales, 1 Cleveland Close, Walton-on-Thames, Surrey, KT12 1RB, providing your contact information and details of your complaint. We will acknowledge your complaint within 5 working days & will keep you updated and let you know when we expect to be able to reply in full.
If we cannot resolve your complaint within 8 weeks, you may be able to refer your dispute to the Financial Ombudsman Service. This service is free to use. Their consumer helpline is available on 0300 123 9123 or you can visit their website at www.financial-ombudsman.org.uk or by writing to the Financial Ombudsman Service:
South Quay Plaza, 183 Marsh Wall, London, E14 9SR
We asked our customers if we could improve our service...
"Recently purchased a Ford Fiesta through James, and I cannot fault either things! James isn’t your stereotypical salesman who pressures you into making a sale, he is very relaxed and this is what I liked about the purchasing experience."
"5 Star. We visited MJA after seeing a car on the AA fina a car web page. Peter was very helpful and friendly and after a test drive we bought the car. A hassle free easy purchase."
"5 Star. Good service as always, great value for money."
"5 out of 5 stars - John was very kind and helped me with everything there, he did even the tax road and h helped me to try to find a cheap insurance as well. Very pleased with his service, thank you so much John!!"
"We just wanted to email to say thank you for your help with buying our car. We can't believe how easy and quick the whole process was. Thank you both so much as always we would be recommending MJA Car Sales."
"No it was excellent service beginning to end."
"5 Star. Painless purchase. Mark was very attentive but not pushy. Very pleasant experience and a good value car. Thanks."
"I live in Bradford West Yorkshire, to get the model and at the price you offered I saved over £8k on a car with 1000 miles on the clock and 3 months old. I couldn't get that anywhere near where I live. Your service was excellent and well worth 2 round trips of over 400 miles each time."
"Nope - great and smooth. Thank you."
"4 star. We were recommended to MJA by a friend who recently bought his teenage daughter a Mini from your company. We were impressed, the whole process was painless. Flexible service, great to be able to come in on a Sunday. The only thoughtless thing when we collected the car was another sales executive making calls hands free in the showroom which made it hard to hear what was being said to us."