Disclaimer

Whilst Dobies Cumbria makes every effort to ensure that the information contained in this website is accurate and current, we give no warranty or undertaking as to the quality, or freedom from error, of the contents of the website.

Complaints

Please write to Dobies Cumbria, Dobies Business Park, Lillyhall West, Workington, Cumbria, CA14 4HX. Further information regarding our Complaints Policy is available upon request.

Privacy Statement and Data Policy

For purposes of this Privacy Statement and Data Policy the following companies will be collectively known as "Dobies Cumbria Group":

  • Dobies Cumbria Motors Limited
  • Dobies Cumbria Properties Limited
  • Dobies Cumbria Workington Limited

The registered address for all the above companies is: Dobies Business Park, Lillyhall West, Workington, Cumbria, CA14 4HX – 01900 871234 – www.dobiescumbria.com – info@dobiescumbria.com

Introduction

Keeping your personal information secure is something we take very seriously. In our privacy policy, which you can read below, we set out exactly how we collect, use and protect your data. If you're unclear about anything in our policy, or have any questions at all, please do feel free to get touch with us at info@dobiescumbria.com

To summarise, the only data collected is the minimum necessary for the purpose of selling a vehicle and associated products such as finance, insurance or servicing. No data will be processed for any other any reason than what it was collected for to assist the smooth negotiation or repair of a vehicle. No data will be disseminated to commercial third parties nor sold or rented out except for sharing your data with the Peugeot Motor Company or Vauxhall Motors in relation to the sale and/or service of a vehicle.

Dobies Cumbria policy may change so please return to this web page frequently to make sure you are happy with our privacy statement. This statement was refreshed on 6th December 2021. Below you can find details of what data we collect and how it is protected once supplied to us.

What data is collected and why?

Data is collected for the purpose of selling, purchasing, servicing or repairing a vehicle and associated products such as finance, insurance or servicing.

Information that you provide to us when enquiring on our website, on the telephone, in person, or through the post includes the following:

  • Contact information including full name, address, telephone number and email address.
  • Information relating to your current or potential vehicle, including registration number, registration date, mileage, condition, service history or any other vehicle related issues relevant to the sale, purchase or repair.
  • Information relating to the financing of your vehicle including finance provider, deposit amount, monthly payments, interest rate, type of finance and length of finance agreement.
  • Information related to vehicle insurance and current driving licence details.
  • We use software tools such as Google Analytics to collect activity via our website for marketing purposes. We look at the following, but not exclusive to the channel the website was entered by, if an enquiry was made, session duration and pages visited. Telephone information including phone numbers and call duration that we use for training and quality control.
Where is your data stored and what do we do with it?

Any information is kept secure and safe by using an internal database which is a password-protected system. Where information is paper based this is either scanned and stored electronically or held securely. In order to prevent unauthorised access or data breaches we have effective procedures in place to safeguard information held on you.

If provided with your full details, we will contact you by email, phone or mail unless requested otherwise.

From time to time, we may contact you regarding offers, new products and/or recalls which we think to be of legitimate interest to those who have bought, or enquired with us before (if ticked on our form). Unless asked to unsubscribe from contact, clients who have bought, serviced or repaired with us will receive this follow up for 5 years and those who enquired, but never bought, serviced or repaired for 3.

Opt Out

Data may at any point be removed from the database or from marketing activity if requested. We have legitimate reasons to keep information about the vehicle sale, repair and/or service, but we will remove all connection with the client from this.

If for any reason you wish to request that we do not hold certain information about you or you wish to opt out from being contacted by us, please email info@dobiescumbria.com or write to Dobies Cumbria, Dobies Business Park, Lillyhall West, Workington, Cumbria, CA14 4HX

Cookies

Our website uses cookie technology which helps us bring you the best possible experience when you visit this website. This page is designed to be open and transparent in detailing the information we collect and how we use it and also provides guidance on how you can opt out of cookies should you wish to.

Copyright

All content found on www.dobiescumbria.com is under copyright with Dobies Cumbria and should not be used without agreement of the owner. Any infringements will be followed up as required by the Digital Millennium Copyright Act.
By using this website, you accept this privacy policy and by providing your personal data, you consent to the use, processing, storing, transferring and disclosing of your information and data referred to in this privacy statement.

ICO Registration

We are registered as a data controller with the Information Commissioners Office and our registration numbers are:

  • Z1383909 – Dobies Cumbria Motors Ltd
  • Z11383943 – Dobies Cumbria Workington Ltd
Links to Third Party websites

Our website may contain links to other websites. Should you choose to use these links to leave our site, you should note that we do not have any control over any other website. We cannot be responsible for the protection and privacy of any information which you provide whilst visiting and such sites are not governed by this privacy statement. You should look at and take into account the privacy statement to the website in question.

Identity of Data Controller

The data controller for the above companies is:
· Emma Dobie, Partner, Dobies Cumbria – info@dobiescumbria.com or 01900 871234.

Reserve Online

On successful payment of the reservation fee, we will reserve your chosen vehicle (the Vehicle) for you for up to 48 hours (the Reservation Period) to enable you to speak to one of our sales advisors. If you make a telephone or dealership appointment within the Reservation Period, we will reserve the Vehicle for you until the time of your appointment, and extend the Reservation Period until your appointment. If you have not made a telephone or dealership appointment with the selling dealership within 48 hours to discuss the Vehicle, or you do not attend an agreed appointment within 7 days, the Reservation Period will end, your reservation may be cancelled and your reservation fee will be refunded to you with 7 days.

There is no obligation on you to buy the Vehicle, or on us to sell the Vehicle, as a result of payment of a reservation fee. You will receive a confirmation email when the reservation is effective. If you do not receive a confirmation email then your reservation has not been effective so please contact us.

There may be circumstances when the Vehicle has already been sold (before your reservation fee is paid) but the website has not yet been updated. If this occurs, your reservation will be cancelled and we will contact you to confirm this, and to see if we can locate an alternative vehicle for you. Your reservation fee would be refunded.

If you attend a telephone or dealership appointment to discuss the Vehicle, and decide not to proceed, the Reservation Period will end. If you purchase the Vehicle at that appointment, your reservation fee will be retained by us as part payment towards the Vehicle, and will be treated as a deposit on the Vehicle. If the Vehicle is not suitable, and you do not wish to purchase it, your reservation fee will be refunded to you.

We may cancel your reservation if you have reserved more than 2 vehicles at any one time or if the Vehicle is withdrawn from sale for any reason. Your reservation fee would be refunded in either case.

Any refunds can only be paid by the same method as the original payment and to the same card and will be paid within 7 days of request or cancellation of your reservation (or you confirming that you do not wish to purchase the Vehicle).

Home Delivery

Offer subject to availability within 30 miles radius of CA14 4HX is free of charge. Distances further than 30 miles will be subject to a charge of £1 per mile over and above 30 miles.

Distance Sale - Your right to cancel

A distance sale is defined as when a customer buys a car and the contract is not formed at our premises. This includes when an order is placed and paid for online, or by telephone, and the product is delivered to the customer's home without any face-to-face contact or collected outside at our premises.

You have the right to cancel this contract within 14 days without giving any particular reason. The cancellation period will expire after 14 days from the day on which you, or a third party on your behalf, collect or take delivery of your vehicle. To exercise the right to cancel, you must inform us of your decision to cancel this contract by a clear statement sent to the Sales Manager by post or email detailed below in the footer of this statement within the 14 day cancellation deadline.

Effects of cancellation

If you cancel this contract, we will reimburse to you payments received from you, including the cost of delivering the goods to you (except for the supplementary costs arising if you chose delivery over collection or a type of delivery other than the least expensive type of standard delivery offered by us). This reimbursement is subject to the following conditions:

  • We may make a deduction from the reimbursement for loss in value of any goods supplied if the loss is the result of unnecessary handling by you. Anything over and above 250 miles will be considered unnecessary handling and will lead to a deduction of £1 for each mile driven over 250 miles. In addition, we will also be entitled to make a deduction for any damage or excess wear.
  • We will make the reimbursement without undue delay, and not later than 14 days after the day we receive back from you the vehicle and all documents which were supplied including, but not limited to, keys, service histories, MOT and the V5 documentation.
  • We will make the reimbursement using the same means of payment as you used for the initial transaction, unless you have expressly agreed otherwise. In any event, you will not incur any fees as a result of the reimbursement. This may include handing back any part exchange vehicle if still available and/or seeking payment from you to cover any negative equity.
  • We will withhold the reimbursement until we have received the goods and all paperwork back in good order.
  • It is your responsibility to return the vehicle without undue delay and in any event not later than 14 days from the day on which you communicate your cancellation of this contract to us.
  • You will remain liable for the vehicle and so for its tax, insurance, and any fines, charges or penalties until it has been accepted back to our premises.
  • You will have to bear the direct cost of returning the goods and take full responsibility for the safe return of the vehicle.
  • You are only liable for any diminished value of the goods resulting from the handling other than which is necessary to establish the nature, characteristics and functioning of the goods according to the previous reference to mileage.
  • Commercial vehicles and vans are excluded for the 14-day right to cancel.
Rights to Alternative Dispute Resolution (ADR)

We aim to resolve all disputes via our internal complaints' procedure. If you are not satisfied following the conclusion of this procedure, The Motor Ombudsman will offer free impartial advice and, when appropriate, an Alternative Dispute Resolution (ADR) service. For further information you can visit their website or call their Consumer Advice Line: 0345 241 3008. Alternatively you can write to The Motor Ombudsman, 71 Great Peter Street, London, SW1 2BN.

Appointed Representative Regulatory Disclosure

Dobies Cumbria Motors Limited is an appointed representative of ITC Compliance Limited which is authorised and regulated by the Financial Conduct Authority (their registration number is 313486) and which is permitted to advise on and arrange general insurance contracts as an intermediary.

Dobies Cumbria Motors Limited is authorised and regulated by the Financial Conduct Authority for consumer credit activity and our registration number is 688096. Permitted activities include acting as a credit broker not a lender.

We can introduce you to a limited number of finance providers. We may receive a payment(s) or other benefits from finance providers should you decide to enter into agreement with them. The payment we received does not impact on the finance rate offered. All finance applications are subject to status, terms and conditions apply, UK residents only, 18's or over, Guarantees may be required. We are not an independent financial advisor. We will provide details of products available from the lenders we work with, but no advice or recommendation will be made. You must decide whether the finance product is right for you.

Registered address: Dobies Cumbria Motors, Dobies Business Park, Workington, Cumbria, CA14 4HX

Company No: 05291685

Dobies Cumbria Finance – General Terms and Conditions

Regulation

Dobies Cumbria Finance Limited, of Dobies Business Park, Lillyhall West, Workington, Cumbria, CA14 4HX is authorised and regulated by the Financial Conduct Authority.

Disclosure of Information

It is important that you understand that any information you provide to us is your responsibility and must be correct. We advise you to keep copies of all documentation we send to you for your own records and protection. Please do not hesitate to contact us if you are in doubt on any aspect. The disclosure of information applies not only at the start of your finance agreement but also throughout the term of the finance agreement.

Making a Complaint

At Dobies Cumbria Finance Ltd, each of our customers is important to us and we believe that you have the right to a fair, swift and courteous service at all times. If there are occasions when we do not meet your expectations, please contact the Finance Manager either verbally or in writing to the above address providing details of your concerns. We will respond in writing within five days of receipt of your concerns; however we may need to investigate further. If this happens, we will write to you within those five days and advise you of who is dealing with the matter. We will investigate your concerns promptly and provide you with a final response within eight weeks of receiving your concerns. If you remain dissatisfied with our final response (at any stage of the process) you may be entitled to refer the matter to the Financial Ombudsman Service (FOS). You must refer the matter to the Financial Ombudsman Service within 6 months of the date of our final response.

Consumer Credit Trade Assocation (CCTA)

Dobies Cumbria Finance Limited is a member of the Consumer Credit Trade Association (CCTA). The CCTA offers a complaint conciliation service which is free of charge and impartial if you have a complaint or dispute with us. If you feel your complaint has not been resolved by us to your satisfaction, the CCTA will adjudicate and you can ask for any dispute to be referred to them. This free of charge service does not in any way prevent you from referring your complaint to the Financial Ombudsman Service (FOS) if you are not satisfied with their adjudication.

Confidentiality

We treat the information you give us as private and confidential. We will ensure that your information is used in line with our strict confidentiality policies as required under the GDPR (General Data Protection Regulation). This information will not be passed to anyone else without your consent, unless we are required to do so by law. Under the GDPR you have the right to see the information we hold about you. Please read our privacy policy which explains who we are, how we collect and use your personal information and how you can exercise your privacy rights.

Dobies Cumbria Finance Limited Privacy Notice
Introduction

This privacy notice is provided to give you information about us and details of how we handle your personal information.

The terms 'we' or 'us; means Dobies Cumbria Finance Limited.

Your privacy is really important to us, and we are committed to storing your personal information securely and managing it in accordance with our legal responsibilities under data protection laws.

About Us

Dobies Cumbria Finance Limited is a data controller for the purposes of the use of the personal information you provide to us. We are registered with the UK's Information Commissioners Office (ICO) under registration number ZA060456.

We are authorised and regulated by the Financial Conduct Authority and our firm reference number is 712206.

We are a company registered in England and Wales and our company registration number is 08439091.

How and why we use your personal information

We will only ever process your personal information when we have your consent and we have a lawful basis to do so.

We will use the personal information you provide to us to process your application for finance and provide our services. This includes personal information, such as:

  • name;
  • date of birth;
  • address;
  • telephone numbers;
  • email address;
  • employment details;
  • details of income and expenditure;
  • driving licence details;
  • bank details; and
  • insurance details.
Who we provide your personal information to

In order to process your application, we will share your personal information with credit reference agencies at the time of your application and for as long as you are a customer.

To do this, we will supply your personal information to credit reference agencies and they will give us information about you. This will include information from your credit application and about your financial situation and financial history. Credit reference agencies will supply to us both public (including the electoral register) and shared credit, financial situation and financial history information.

We will use this information to:

  • assess your creditworthiness and whether you can afford to take the product;
  • verify the accuracy of the data you have provided to us;
  • prevent criminal activity, fraud and money laundering;
  • manage your account(s);
  • trace and recover debts; and
  • ensure any offers provided to you are appropriate to your circumstances.

We will continue to exchange information about you with credit reference agencies while you have a relationship with us. We will also inform the credit reference agencies about your settled accounts. If you borrow and do not repay in full and on time, credit reference agencies will record the outstanding debt. This information may be supplied to other organisations by credit reference agencies.

When credit reference agencies receive a search from us they will place a search footprint on your credit file that may be seen by other lender

If you are making a joint application, or tell us that you have a spouse or financial associate, we will link your records together, so you should make sure you discuss this with them, and share with them this information, before lodging the application. Credit reference agencies will also link your records together and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the credit reference agencies to break that link.

The identities of the credit reference agencies, their role also as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention periods and your data protection rights with the credit reference agencies are explained in more detail at CRAIN@callcreditgroup.com. CRAIN is also accessible from each of the three credit reference agencies. Clicking on any of these three links will also take you to the same CRAIN document:

Callcredit www.callcredit.co.uk/crain
Equifax www.equifax.co.uk/crain
Experian www.experian.co.uk/crain

We may share your personal information with our sister companies within the Dobie group; namely Dobies Cumbria Workington Ltd and Dobies Cumbria Motors Ltd, where it would be reasonable to do so.

We may also be obliged to disclose your personal information if required to do so by law.

Your rights with regard to your personal information

You have the right to the following with regard to your personal information:

  • the right to be informed, as detailed this privacy notice;
  • the right to access a copy of your personal information we hold (commonly known as a data subject access request);
  • the right to have the details of your personal information amended if what we hold is incomplete or inaccurate;
  • the right to have your personal information removed from our records where there is no good reason for us to continue to process it;
  • the right to have your personal data transported to you or a third party;
  • the right to object to processing, or to request we process your personal information for limited purposes;
  • the right to refuse your personal information being used to make a decision based on an automated process.
How long we keep your personal information for

We keep your personal information we use for up to seven years after the completion and closure of your account. In certain circumstances, we will hold personal information for a longer period of time as a result of legal proceedings. We will also retain your personal information to allow us to resolve any complaints.

If your application is declined, we will keep your personal information for six months to allow us to answer any queries you may have about your application. We do this on the basis that we have a legitimate interest in responding to query.

How we store your personal data

All personal information you provide to us (or which we obtain from a third party), will be stored on our secure servers. If personal information is provided in paper format, it is stored in a secure environment. We restrict access of all personal information to a small number of employees, and they may be disciplined or their contract of employment terminated if they fail to adhere to the policies and procedures in place.

Complaints

If you are unhappy about the way we have handled your personal information, please contact us using the details below, and we will promptly investigate your complaint.

If you are not satisfied with our response, you may contact the Information Commissioner's Office (ICO) in writing to: Information Governance Department, Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF or by calling 0303 123 1113.

How to contact us

If you have any questions or concerns regarding this privacy notice, please do not hesitate to contact the Data Protection Officer at:

Dobies Cumbria Finance Limited
Dobies Business Park
Lillyhall West
Workington
Cumbria
CA14 4HX

Tel: 01900 871234
Email: finance@dobiescumbria.com

ICO Registration

We are registered as a data controller with the Information Commissioners Office and our registration numbers are:

Z1383897X - Dobies Finance Ltd

Registered address: Dobies Cumbria Motors, Dobies Business Park, Workington, Cumbria, CA14 4HX

Company No: 08439091