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 667462. 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

Tower Cars / Tower Garage 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.towercarsabernethy.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. Tower Cars / Tower Garage 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: 07974170972
  • Post: Tower Cars / Tower Garage, Tower Cars, Back Dykes, Abernethy, Perthshire, PH2 9JN
  • Email: gcoff176@live.co.uk

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

I’d highly recommend this garage to anyone in need of reliable and genuinely helpful service. I arrived without an appointment due to an urgent issue with my car, and Ross couldn’t have been more accommodating—he took the time to look at it straight away. What really stood out was the team effort. Several of the mechanics came together to diagnose and fix the problem quickly and efficiently. Everyone was incredibly helpful, reassuring, and made me feel like nothing was too much trouble. They were also able to source and order the required part in no time at all, and I’m already booked in to have it fitted at a very reasonable price. It’s not often you come across such honest, friendly, and professional service—highly recommended!
— Jenna Mann
The team at Tower Garage were incredibly helpful when I got a flat tyre while visiting family in Abernethy. Squeezed me in on a Friday despite being busy and were super efficient. Highly recommend! Thank-you.
— Hannah Scott
Great service provided by the tower garage and that i would highly recommend. Very efficient, reliable and friendly My cars Faults were quickly found and repaired and car returned too me in no time Fabulous guys. Thank you
— Vicky Johnstone
welcoming friendly staff with good customer care and had my cars mot’d,serviced or repaired there with no issues and work carried out had been to a high standard
— Lyle Thomson
Car had engine light on, I was fearing the worst as I'd just bought the car from a private sale. Put the car in Friday morning, repaired and ready to collect Friday afternoon. Great service from the guys, I'd recommend them.
— David Millar
Very helpful and felt they were interested in my needs
— Ovidia Harmon
We bought a Honda CRV from Tower Garage in Abernethy, and we have to say a big thank you for the service that was given. The CRV was prepared and serviced to the highest standards. We have had no issues with the car, and if I did, I was confident that there would have been no issues to sort it under the warranty given from Tower Garage. As Arnold Scharzenegger says. I'll be back. Thanks 😀
— tehhaggiscatcher
Really helpful guys and do a great job, go the extra mile for you..
— James Davidson
Nice man help, good talk to understand I text. Smoothly relax no rush.
— Guy Balch
Outstanding service from Steve and the team. Services Vehicle maintenance, General repairs & maintenance
— Hutchison
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