Terms of Business for Consumer Credit Transactions

The below text is prepared in accordance with the guidelines of the Consumer Protection Code (CPC) 2006 and is designed to provide you (the consumer) with additional information as to the entity with which you are entering a credit agreement.

Motor Services Ltd, trading as Mercedes-Benz Ballsbridge Motors/South Dublin/North Dublin/Cork, BYD South Dublin/North Dublin/Cork, Park Motors Skoda/Mazda and XPENG South Dublin is a credit and insurance intermediary, regulated by the Central Bank of Ireland. The company provides financial advice to customers in the course of retailing motor vehicles; the products offered include consumer hire agreements, both consumer and non-consumer hire purchase agreements (the property of the goods remains with the credit provider until all repayments are made or the agreement is settled in full), lease agreements. Return to invoice (RTI) GAP insurance. RTI GAP policies are underwritten by Fortegra Europe Insurance Company Ltd (Malta company registration number C 84703)

As the company operates as a credit intermediary no charges are imposed directly by the company and in the event of default by the consumer, all matters will be handled by the credit provider. We may receive a non-discretionary commission from the credit provider. The company acts on behalf of a number of financial institutions and operates a policy of full and immediate disclosure in the event of a conflict of interest.

Motor Services Limited acts as a credit intermediary for the following financial institutions; Allied Irish Bank, Bank of Ireland Finance, PTSB, First Citizen Finance DAC, Volkswagen Financial Services Ireland Limited, Alphera Financial Services, Finance Ireland Motor & Leasing, & Close Brothers Motor Finance.

The company has in place a complaints procedure policy in compliance with CPC. In the event of a complaint the consumer can contact Mr David McFeely of this office who will acknowledge receipt of the complaint within 5 working days and will provide a direct point of contact for further correspondence.

Motor Services Limited, Naas Road, Dublin 12.

Telephone (01) 409 4444

Email: info@msl.ie