Information about our Finance Services

Information about our Finance Services

The Financial Conduct Authority (FCA) is an independent organisation that regulates Financial and Insurance Services in the United Kingdom. It requires us to give you this document and to use this information to decide if our services and products are right for you.

Who are we?

CS & AS Limited T/A Penybanc Car Centre are a dealership acting as a credit broker in arranging finance for vehicle transactions. Our registered office address is: 96 Penybanc Rd, Ammanford SA18 3QS. The company registration number is 1136686. 

Telephone number: 01269 592122

Are we authorised to arrange finance for you?

Yes, we are authorised and regulated for credit-broking activities by the Financial Conduct Authority (FCA). We are not a lender. Our FCA Firm Reference Number is 838615. For more information, please visit the FCA website at: Please note, business customers may not be protected under the Consumer Credit Act 1974 or FCA rules.

What can we do to help finance your vehicle?

CS & AS Limited T/A Penybanc Car Centre are a credit broker not a lender. We can introduce you to a limited number of lenders and their finance products. In making these offers we act on the lenders behalf and do not act as an independent financial advisor. This means we will provide you with all the information you need on available finance products, but we will not give advice nor make a recommendation. 

What will you have to pay for our services?

We do not charge you a fee for our services as we will typically receive commission from the lender we introduce you to (either a fixed fee or a fixed percentage of the amount you borrow). A customer may ask for commission disclosure at any time from our initial discussions through to the point when their Agreement is set live.

What to do if you have a complaint

If you wish to register a complaint, please contact us in writing to 96 Penybanc Rd, Ammanford SA18 3QS or by email to If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (FOS).

What will your information be used for?

We will use your information to obtain quotes from funders and brokers to process finance applications through them. They will also conduct a search of your record held with one or more Credit Reference Agencies.

Credit checks may as a result appear on your Credit File lodged by organisations with whom you have  not dealt with directly. The personal information collected will also be shared with fraud prevention agencies who will use it to prevent both fraud and money laundering and to verify your identity. If fraud is detected you could be refused certain services, finance or employment.

We are registered as a data controller with the Information Commissioner’s Office under registration number ZB072199.

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Transport For London

Cars need to meet minimum emission standards when travelling in the Ultra Low Emission Zone (ULEZ) or the daily charge must be paid.

Minimum emission standards

Petrol: Euro 4
Diesel: Euro 6

The ULEZ will be enforced based on the declared emissions of the vehicle rather than the age. However:

Information from Transport For London

Check this car on the TFL website before purchasing: