eBay Sellers - Information Disclosure Document (IDD).

The Financial Conduct Authority (FCA) is the independent watchdog that regulates financial services. Use this information to decide if our services are right for you.
eBay Sellers - Information Disclosure Document (IDD).

eBay Sellers

The Financial Conduct Authority (FCA) is the independent watchdog that regulates financial services. Use this information to decide if our services are right for you.

What Products do we Offer?
We are a credit broker not a lender. We will only introduce you to FUNDINGXCHANGE Limited, trading as FUNDING XCHANGE (FRN: 685043) who may be able to assist you with your requirements.

Affordability
You should assess the monthly payments you are required to make throughout the agreement and ensure you are able to meet these obligations and other obligations you already have without suffering undue hardship. 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.

Who Regulates Us?
eBay (UK) Limited is an Appointed Representative of Product Partnerships Limited which is authorised and regulated by the Financial Conduct Authority for regulated consumer credit activities; registration number 626349.  The FCA defines regulated consumer credit activity as the introduction to/arrangement of finance for individuals, sole traders, or partnerships of three or less.  You can check this information on the FCA register by visiting www.fca.org.uk/register or by contacting the FCA on 0800 111 6768.

What to do if you have a Complaint
If you wish to register a complaint, you can contact Product Partnerships Limited at:
In writing:              Product Partnerships Limited, Suite D2 Joseph’s Well, Hanover Walk, Leeds, LS3 1AB
By telephone:       01274 921234
By email:               info@productpartnerships.com
The contact details for eBay (UK) Limited are:
Address:                 Hotham House, 1 Heron Square, Richmond upon Thames, Surrey, TW9 1EJ         
Email:                     ebayukcomplaints@ebay.com
                                          
If you would like to know how we handle complaints, please ask for a copy of our complaints handling process. If your complaint is not resolved to your satisfaction, you may be able to refer it to the Financial Ombudsman Service, whose contact details are set out below:
In writing:              The Financial Ombudsman Service, Exchange Tower, London E14 9SR
By telephone:       0800 0234567
By email:                complaint.info@financial-ombudsman.org.uk
Website:                www.financial-ombudsman.org.uk
 

Understanding our Products and Documents
If you have any health issues, difficulty in understanding information or there are any recent life events that could affect your ability to fully understand the information and documentation you are presented with or what your commitments are under the agreement, you should carefully consider the amount of time you require to review the documentation. You should also consider if it is advisable for you to have someone you know help you make your decision.

Other Finance Facilities
You may be able to obtain funding for your purchase from other providers and you may wish to seek alternative quotations.

What will you have to Pay to us for this Service?
You will not make any payment to us for introducing you to a finance provider. All charges that you will pay including interest and documentation fees, where applicable, will be clearly shown on the finance agreement.

Commission Disclosure
We may receive commission if your application for credit is successful.  The commission received does not affect the amount you will pay under your agreement. You can request for us to disclose the amount of any commission received.

Treating Customers Fairly
Our business is committed to treating our customers fairly and ensuring our products and services are suitable for their needs. Treating Customers Fairly (TCF) is a core part of our culture and philosophy and you can review our commitment to it by asking for a copy of our TCF policy statement.