Who Are We?

One Threadneedle Limited, trading as Just Auto Finance, is a specialised credit broker, not a lender. We facilitate financing for a variety of vehicles including new and used cars and commercial vehicles. Our primary goal is to help you secure finance through our network of trusted lending partners.

Registered Office:

30 – 34 North Street
Hailsham
East Sussex
BN27 1DW

Company Number: 11860047
ICO Registration Number: ZA545511

Our Regulated Status

One Threadneedle Limited T/A Just Auto Finance is authorised and regulated by the Financial Conduct Authority (FCA), under firm reference number 839978. You can verify our regulatory status via the FCA’s official website at www.FCA.gov.uk/register or by contacting the FCA directly at 0300 500 8082.

What Do We Offer?

As a credit broker, Just Auto Finance does not finance vehicle purchases directly. We provide a non-advised service where we gather information during your application process to identify your needs and present you with a selection of finance products that suit your requirements. Pre-contract credit information detailing the terms and conditions of the chosen product will be provided, including any associated fees and interest rates.

Commission Disclosure

We receive commission payments from lenders upon successful finance agreements. Our commitment is to transparency and ensuring that our commission arrangements do not influence the finance terms offered to you.  We receive a percentage of the amount financed for completing each transaction. The percentage we receive is typically 2.6%. (So, for every £1,000 funded we receive £26).

Handling Personal Information

Throughout the finance process, we will collect personal information necessary to facilitate your finance application. This information will be shared only with the lenders involved in assessing your finance application for creditworthiness and affordability. We adhere to strict data protection protocols to ensure your information is handled securely and with respect.

Affordability and Financial Advice

We encourage you to assess the affordability of the finance before committing to an agreement. Consider your current financial situation and future factors that might affect your ability to meet monthly payments. If your circumstances change, it is important to notify us so we can reassess your situation and provide appropriate support.

Support for Vulnerable Customers

Just Auto Finance is dedicated to supporting customers who may be vulnerable due to current or recent life events. If you are experiencing difficulties, please let us know. We are committed to providing tailored support to meet your needs.

Complaint Handling Procedure

Should you have any complaints, please contact us via:

• Phone: 01892 61 76 00
• Email: office@onetnl.com (Attention: Andrew Sharp)
• Post: 21 Mount Ephriam, Tunbridge Wells, Kent, TN4 8AE

We aim to resolve complaints swiftly and fairly. We will acknowledge your complaint in writing and provide a final response within 8 weeks. If you are dissatisfied with the outcome, you may be eligible to escalate your complaint to the Financial Ombudsman Service.

For further information or inquiries, please contact us at the details provided above.