1. About the FCA

The Financial Conduct Authority (FCA) is the independent watchdog that regulates financial services.

The FCA requires us to provide certain information to consumers considering buying certain financial products. You need to read this important document. It explains the service you are being offered in relation to finance, and what to do if you have a complaint about our services.

Please use this information to decide if our services are right for you.

2. About us

Meadow Bay Villages Manco Limited is authorised and regulated by the Financial Conduct Authority (FRN 1019891) to act as a broker for consumer finance, to conduct debt adjusting and counselling services in relation to loans that facilitate the purchase of caravans on our sites.

Meadow Bay is a credit broker not a lender. We can introduce you to a firm from our panel of lenders to fund your purchase or pitch fees depending on your requirements. Finance is subject to status and affordability.

Various companies within the Meadow Bay group are appointed representatives of Meadow Bay Villages Manco Limited. The following table provides details of all the trading entities in the Meadow Bay group, their trading names and their regulatory status.

You can check the regulatory status of all of our companies on the FCA register and their permitted activities by visiting the FCA website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768 or 0300 500 8082.

3. Our Services

Meadow Bay can introduce you to a limited number of lenders who may be able to finance your holiday home purchase or your annual pitch licence fees. We will only introduce you to these lenders.

We are not an independent broker. We do not assess the wider market for finance or provide any advice on whether the finance we offer represents the best value you could obtain.

Meadow Bay offers a non-advised service. This means that we cannot give you advice or provide a recommendation on financial products or services. We will use the information you provide to us to identify your needs and will present products that we consider are relevant to your requirements. You will receive pre-contract credit information providing details of the terms and conditions of any finance product and/or an initial disclosure document. You will then need to make your own choice about how to proceed.

4. Commission Disclosure

Meadow Bay do not charge you a fee for introductions we make to any finance providers. We do not receive any commission payments from any of our finance providers if you decide to enter into an agreement with one of them.

5. Consumer Duty and Delivering Good Customer Outcomes

Meadow Bay is committed to achieving good outcomes for our customers by ensuring that best practice, good behaviour and fair conduct is core to our business strategy and objectives. We are committed to providing products and services that are suitable for the needs of our customers and treating them fairly in all interactions.

This commitment extends to ensuring that all our customer interactions are clear, fair and transparent. If you have any specific communication needs, please let us know and we will always aim to meet these.

6. Vulnerability

The purchase of a holiday home requires a customer to consider large amounts of information and make some significant decisions which may include the commitment to fund a portion of the purchase of their home via a suitable finance produce offered by one of our panel of lenders. Meadow Bay is committed to supporting our customers to make the right decisions throughout this process and ensuring that they fully understand the commitments they are making.

If you have any health issues, communication difficulties, language barriers, difficulties in understanding complex information or if there are any significant recent events in your life that could impact your ability to fully understand the information you are presented or the financial and legal commitments you are making in purchasing a holiday home then please alert our team as soon as possible so they can provide the appropriate support to you.

You should always ensure that you have the necessary time, information and support to fully understand the information provided to you, including any information relating to the available funding options. Please ask questions and ask for whatever further information you may need to help you assess the purchase and only proceed once you are comfortable that you have fully understood everything.

7. Affordability

Purchasing a holiday home is a long-term financial commitment. You should assess that you are able to meet both the monthly repayments on your holiday home throughout the term of the loan and the other costs of ownership (such as pitch fees and utility costs) without suffering financial hardship. If you are aware of any future events that could affect your ability to meet these payments, you should ensure the finance provider is informed immediately. 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 in the future.

8. Complaints

We want our customers to be happy with the service they get from us. If you have a complaint, we want to address it quickly and to your satisfaction. Please contact us:

By e-mail – [email protected]
In writing – Complaints Officer
Meadow Bay Villages Manco Limited
100 Avebury Boulevard
Milton Keynes
United Kingdom MK9 1FH

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

by phone: 0800 023 4567
by post: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR.
by email: [email protected]

Please see our full complaints information here

9. Data Protection

We keep any data we hold on you safe and secure and process it for our legitimate interests and those of third parties to whim we will disclose it in order to provide you with a quote or arrange finance. Please see a copy of our Privacy Policy on our website or ask us for a copy to see the details of your privacy rights and how we look after your personal information.

10. Are We Covered by the Financial Services Compensation Scheme (FSCS)?

The FSCS does not cover consumer credit. Further information about compensation schemes is available from FSCS.