Status Disclosure

Border City Autos 20 Limited financial status disclosure

Border City Autos 20 Limited is authorised and regulated by the Financial Conduct Authority . We are a credit broker and introducer not a lender. We can introduce you to a limited number of carefully selected lenders and their finance products, which may have different interest rates and charges. We are not an independent financial advisor; we will provide details of products available from lenders that we work with, but no advice or recommendation will be made. You must decide whether the finance product is right for you.

We do not charge you a fee for our services. Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow).

The lenders we work with could pay commission at different rates. However, the amount of commission that we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement.

All offers and credit subject to status, terms and conditions. Applicants must be 18 years or over.

The Financial Conduct Authority (FCA)

The FCA is the independent watchdog that regulates financial services. This document is designed by the FCA to be given to consumers considering buying certain financial products. You need to read this important document. It explains the service you are being offered. Please use this information to decide if our services are right for you.

Whose products do we offer?

We offer a limited number of additional products such as extended warranties and Diamondbrite.

Should you require finance to assist with the purchase of a vehicle, we can introduce you to a limited number of lenders and finance products. If you request it, we can provide a list of lenders we work with (this list is available to view at the bottom of this document).

Which services will we provide you with?

We will advise and make a recommendation for you on products after we have assessed your eligibility for the products we offer. You will then need to make your own choice about how to proceed.

What will you have to pay us for our services?

No fee is payable by you for our services. A lender may pay us for introducing you if you go ahead and take finance from them for the purchase of your vehicle.

If you take out an product we recommend to you, we will make a margin on the sale of that product from the price paid by you.

Who regulates us?

Border City Autos 20 Limited is authorised and regulated by the Financial Conduct Authority, either as a principal or an appointed representative. Your document if you enquire on a vehicle will confirm which legal entity you are dealing with.

Our permitted business is to act as a broker for consumer finance

You can check this on the FCA register by visiting the FCA website or by contacting the FCA on 0800 111 6768 or 0300 500 8082


Border City Autos 20 Limited is owned and operated by Christopher A Scott. 

The registered office address is Sterling House Wavell Drive, Rosehill, Carlisle, Cumbria, United Kingdom, CA1 2SA


What to do if you have a complaint

If you wish to register a complaint, please contact us as follows

By e-mail -

In writing - FCA Compliance Manager

Border City Autos 20 Limited

Crown Street


Cumbria, CA2 5AB

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

List of current financial providers (this is subject to change)

  • ALD Automotive Limited
  • Alphera Financial Services
  • Black Horse Limited
  • Blue Motor Finance Limited
  • BMW Financial Services (GB) Limited
  • BNP Paribas
  • Border Way Finance
  • CarMoney
  • Car Finance 247
  • Citroën Finance
  • Close Motor Finance Limited
  • Connected Car Finance
  • DSG Finance
  • Eurodrive Motor Finance
  • Evolution Finance
  • First Response Finance
  • Hitachi Capital (UK) plc
  • Honda Finance Europe plc
  • Hyundai Capital UK Limited
  • FCA Automotive Services UK Limited
  • FCE Bank plc
  • Jigsaw Finance
  • Kia Finance
  • Mallard Finance
  • Mazda Financial Services
  • Mercedes-Benz Financial Services UK Limited
  • MINI Financial Services
  • MotoNovo Finance
  • Northridge Finance Limited
  • PSA Finance UK Limited
  • RCI Financial Services Limited
  • Santander Consumer (UK) plc
  • SEAT Finance
  • Shogun Finance Limited
  • ŠKODA Finance
  • Startline Motor Finance Limited
  • Toyota Financial Services (UK) plc
  • Vauxhall Finance plc
  • Volkswagen Financial Services (UK) Limited
  • Volvo Car Financial Services