Northgate Vehicle Sales Limited t/a Van Monster is an Appointed Representative of Consumer Credit Compliance Ltd, which is authorised and regulated by the Financial Conduct Authority FRN 631736. Consumer Credit Compliance Ltd holds the permission of credit broking which allows Northgate Vehicle Sales Limited t/a Van Monster to act as a credit broker, not as a lender, for the introduction to a limited number of finance providers. Van Monster may receive a fee from the lenders for the introduction. 

The representative example in CONC 3.5.5R (1) must comprise the following items of information: (a) the rate of interest, and whether it is fixed or variable or both, expressed as a fixed or variable percentage applied on an annual basis to the amount of credit drawn down; (b) the nature and amount of any other charge included in the total charge for credit; (c) the total amount of credit; (d) the representative APR; (e) in the case of credit in the form of a deferred payment for specific goods, services, land or other things, the cash price and the amount of any advance payment; (f) the duration of the agreement; (g) the total amount payable; and (h) the amount of each repayment of credit CONC 3.5.5R (5) states that the information required by (1) must be: (a) specified in a clear, concise and prominent way; (b) accompanied by the words “representative example”; (c) presented together with each item of information being given equal prominence; and (d) given no less prominence than: (i) any other information relating to the cost of credit in the financial promotion, and (ii) any indication or incentive of a kind referred to in CONC 3.5.7 R.