MJA Car Sales

SUNBURY 01932 721000

GUILDFORD 01483 543800

WALTON 01932 234000

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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...

Mrs S McCormack Mrs S McCormack
"Very happy with the service received and the new car. Thank you very much to Matt and the team."

Miss S Argyle Miss S Argyle
"Matt was brilliant! He looked for the best deal according to our requirements. He recognised when our preferences changed and worked with it. We feel that he was honest and cared that we were happy with the end result, and we are!"

Mr M Cowan Mr M Cowan
"No. Perfect approach by sales staff."

Mrs D Davison Mrs D Davison
"Not really. All went well."

Mrs P January Mrs P January
"Gary was extremely helpful and professional - excellent service and we are delighted with our new car. Highly recommended."

Mr R Hoy Mr R Hoy
"Very good service, fast efficient and car well presented."

Ms S McKernan Ms S McKernan
"No, I thought the service was excellent. Thank you."

Miss A Pocock Miss A Pocock
"On both car purchases everything has been great!"

Mr D Collins Mr D Collins
"No very good."

Mrs R Haslehurst Mrs R Haslehurst
"We were extremely happy with the service. Nigel Gama was meticulous in his explanation and very patient. We would have no qualms in recommending MJA to friends & family & of course Nigel personally."

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Mon-Fri 9am-7pm  •  Sat 9am-6pm  •  Sun 10am-5pm

WALTON

GUILDFORD

SUNBURY