Welcome to Stour Valley Cars Limited


We are an internet based used car sales specialist located in the village of Acton, just outside of Sudbury, Suffolk.

We have over 30 years solid motor trade experience. Honesty, integrity and good quality vehicles at reasonable prices are the guidelines of our business. When you come to view one of our cars, you will look at it in a pressure free environment, and make your mind up in your own time. After you have purchased a car from us, we do not turn our back on you, we are still here to help. These simple standards are why we have so many repeat customers and recommendations to friends and family.

We specialise in hand picked quality used cars, SUV's and 4x4's. All of our retail vehicles are fully valeted, thoroughly checked over and prepared to a very high standard and our cars are provenance checked for your peace of mind.

We are authorised and regulated by the FCA and can offer finance packages on a selected range of cars (subject to status).

Stour Valley Cars Limited are acting as a credit broker and not a lender. We will introduce you to a limited number of lenders. We may receive a payment from the lender for arranging the finance for you.

We are open Monday to Saturday by appointment. Please contact us before coming to view a car to check the vehicle you are interested in is still available.

Part exchange is possible and we accept full payment by bank transfer and debit card but a maximum of £500 by credit card.

With our level of experience we have many sources for cars. Please feel free to contact us with your requirements so that we can source your perfect car for you. If you just want to sell your car, please contact us for a valuation to purchase.


FREE DELIVERY WITHIN A 20 MILE RADIUS.


Please see details below.


Terms & Conditions of website

1. Introduction
1.1 This website ("our Site") promotes the business referred to on it. In these conditions, the business will be referred to as 'we' and/or 'our'.
1.2 Use of our Site is on the following terms (the "Terms of Use"). If you do not agree to these Terms of Use, please stop using our Site immediately. By accessing and using our Site you are indicating your acceptance to be bound by these Terms of Use. They are a legal agreement between you and us and can only be amended with our consent. They should be read in conjunction with any details provided on our Site about how our Site operates and the services which are available, including our Privacy & Cookie Policy and Trading Terms (if applicable).
1.3 We reserve the right to change these Terms of Use from time to time without prior notice by changing them on our Site.
2. Accessing our Site
2.1 We cannot guarantee that our Site will operate continuously or without interruptions or be error-free. You must not attempt to interfere with the proper working of our Site and, in particular, you must not attempt to circumvent security, tamper with, hack into, or otherwise disrupt our Site or any computer system, server, router or any other internet-connected device.
2.2 You are responsible for ensuring that your computer system meets all relevant technical specifications necessary to use our Site and is compatible with our Site. You also understand that we cannot and do not guarantee or warrant that any content on our Site will be free from infection, viruses and/ or other code that has contaminating or destructive properties. You are responsible for implementing sufficient procedures and virus checks (including anti-virus and other security checks) to satisfy your particular requirements for the safety and reliability of data input and output.
2.3 From time to time, we may restrict access to certain features or parts of our Site, or our entire Site, to users who have registered with us. If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these Terms of Use.
2.4 We reserve the right, in our discretion, to withdraw, suspend or modify our Site or certain features or parts of our Site with or without notice to you, where we have reason to do so. There may also be times when our Site or certain features or parts of our Site become unavailable, whether on a scheduled or unscheduled basis. You agree that we will not be liable to you or to any third party for any withdrawal, modification, unavailability, suspension or discontinuance of our Site or any service available on or through our Site.
3. Using our Site
3.1 You must use our Site and the information available from our Site responsibly. No such information may be used for or in connection with any unlawful, immoral or anti-social purpose, or in a manner which is or may be damaging to our name or reputation.
3.2 You cannot use our Site:
1. for any unlawful purpose;
2. to send spam;
3. to harm, threaten, abuse or harass another person, or in a way that invades someone's privacy or is (in our reasonable opinion) offensive or is unacceptable or damaging to us, our customers or suppliers;
4. to create, check, confirm, update or amend your own or someone else's databases, records, directories, customer lists, mailing or prospecting lists;
5. to tamper with, update or change any part of the website;
6. in a way that affects how it is run;
7. in a way that imposes an unreasonable or disproportionably large burden on us or our suppliers' communications and technical systems as determined by us; or
8. using any automated means to monitor or copy our Site or its content, or to interfere with or attempt to interfere with how our Site works.
4. Intellectual property rights
4.1 All content on our Site including but not limited to text, software, photographs and graphics is protected by copyright. We, or our licensors, own copyright and/or database rights in the selection, coordination, arrangement and enhancement of such content, as well as in the original content. Except as expressly set out in these Terms of Use, nothing in these Terms of Use shall give you any rights in respect of any intellectual property owned by us or our licensors. You shall not assert or attempt to obtain any such rights and you shall not use, copy, reproduce, modify, publish, transmit, participate in the transfer or sale of, create derivative works from, or in any way exploit, our name, trademarks, logos or other proprietary marks, or any of the content of our Site, in whole or in part, except as provided in these Terms of Use.
5. If you provide content for our Site
5.1 If you provide any material to our Site (for example, by providing ratings and reviews, comments, articles or uploading any other content in any format (including video) (each "User Content") you agree to grant us permission, irrevocably and free of charge, to use the User Content (including adapting it for operational or editorial reasons) in any media worldwide, for our own marketing, research and promotional activities and our internal business purposes which may include providing the User Content to selected third party partners, service providers, social media and networking sites.
5.2 You own your User Content at all times, and you continue to have the right to use it in any way you choose.
5.3 By providing any User Content to our Site you confirm that such User Content:
1. is your own original work or you are authorised to provide it to our Site and that you have the right to give us permission to use it for the purposes set out in these Terms of Use;
2. will not contain or promote anything illegal, harmful, misleading, abusive, defamatory (that is, it does not damage someone's good reputation) or anything else that might cause widespread offence or bring us or our business partners into disrepute;
3. does not take away or affect any other person's privacy rights, contract rights or any other rights;
4. does not contain any virus or other code that may damage, interfere with or otherwise adversely affect the operation of our Site;
5. will, if used to promote your own business or services, clearly and openly state your association with the particular business expressly; and
6. will not contain any form of mass-mailing or spam.
5.4 If you do not want to grant us the permissions set out above, please do not provide any material to our Site.
5.5 We have no obligation to publish your User Content on our Site and we retain the right to remove any User Content at any time and for any reason.
5.6 We do not edit, pre-vet or review any User Content displayed on our Site. If you believe that any User Content does not comply with the requirements set out in this paragraph, please notify us immediately. We will then review the User Content and, where we deem it appropriate, remove it within a reasonable time.
6. Our liability
6.1 Although we hope our Site will be of interest to users, we accept no liability and offer no warranties or conditions in relation to our Site or its content, to the fullest extent such liability can be excluded by law.
6.2 There is no limit to what we and the people who provide our services will be liable for if someone dies or is injured because of our negligence or because we have committed fraud.
6.3 Under no circumstances will we, the owner or operator of our Site, or any other organisation involved in creating, producing, maintaining or distributing our Site be liable, whether in contract, tort (including negligence), breach of a statutory duty, even if foreseeable, for any loss of:
1. profits, sales, business, or revenue;
2. business interruption;
3. anticipated savings;
4. business opportunity, goodwill or reputation;
5. use of, or corruption to information; or
6. information.
6.4 If we do not keep to these conditions, then we will only be liable for losses you have suffered as a direct result. We are not liable to you for any other losses whether such losses are because we have not kept to our obligations or contract, because of something we have done or not done in negligence, due to defamatory statements or liability for a product or otherwise as a result of:
1. use of, or inability to use, our Site;
2. not being able to use the website;
3. use of or reliance on any content displayed on our Site; any mistake, fault, failure to do something, missing information, or virus on our Site or if it does not work properly because of incidents outside of our control such as (but not limited to) interruptions to communication and networks and circumstances beyond our control;
4. theft, destruction of information or someone getting access to our records, programs or services without our permission; or
5. goods, products, services or information received through or advertised on any website which we link to from our Site.
7. General
7.1 Where our Site contains links to other websites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those websites or resources.
7.2 Any formal legal notices should be sent to us using the details set out on our Site.
7.3 Failure by us to enforce a right does not result in waiver of such right. You may not assign or transfer your rights under these Terms of Use.
7.4 If any part of these Terms of Use is found to be unenforceable as a matter of law, all other parts of these Terms of Use shall be unaffected3. and shall remain in force.
8. Governing Law and Jurisdiction
8.1 These conditions make up the whole agreement between you and us in how you use our Site. If a court decides that a condition is not valid, the rest of the conditions will still apply.
8.2 The laws of England and Wales apply to your use of our Site and these conditions. We control our Site from within the United Kingdom. However, you can get access to our Site from other places around the world. Although, these places may have different laws from the laws of England and Wales, by using our Site you agree that the laws of England and Wales will apply to everything relating to you using our Site and you agree to keep to these laws. We have the right to take you to court in the country you live in.
9. How to contact us
9.1 If you experience problems with our Site or would like to comment on it, please feel free to contact us by using the details set out on our Site.

Complaints Procedure

Complaints Handling Procedure
It is the aim of Stour Valley Cars Ltd to provide a very high standard of service to every customer. It is important to us that all complaints are resolved as quickly as possible and to the complete satisfaction of our customers.
This procedure explains how we will deal with any complaints. It also tells you what you can do if you think your complaint has not been resolved to your satisfaction.
If you have a complaint:
If you have a complaint about any aspect of our service, then we would like to hear from you. We will try to resolve your complaint promptly; however, sometimes, this may not be possible. In this event, we will keep you informed as below:
Within 10 days
We will acknowledge receipt of your complaint and provide you with an update and contact details if no resolution has been reached at this stage.
Within 28 days
We will endeavour to resolve the complaint with a full response provided, however, if we are unable to do so at this stage, we will provide you with an update and relevant information about the investigation.
Within 8 weeks
We will provide a final written response and information on services you can access should you be dissatisfied with the resolution (detailed below).
To register a complaint contact us by either:
• emailing us at: stourvalleycarsltd@btconnect.com
• calling us on: 01787 375079
• writing to us at: The Director, Stour Valley Cars Limited. Unit 16 Crestland Business Park. Bull Lane Industrial Estate. Acton, Sudbury, Suffolk. CO10 0BD

You may have the right to refer your complaint to the Financial Ombudsman Service which is free to use. Their contact details are Financial Ombudsman Service, Exchange Tower, London E14 9SR; telephone 0800 023 4567; email complaint.info@financial-ombudsman.org.uk; their website is www.financial-ombudsman.org.uk.
In the event a non-financial services complaint cannot be settled between us, we recommend the National Conciliation Service as an organisation competent to deal with unresolved complaints. Their contact details are National Conciliation Service, PO Box 6562, Rugby, CV21 9QP; telephone 01788 538318; email contact@nationalconciliationservice.co.uk.

Commission disclosure.

Financial Conduct Authority
The Financial Conduct Authority expects any intermediary to disclose to the customer that a commission typically be payable by the owner or creditor to the intermediary, and, if the customer asks, the amount of that commission. The Financial Conduct Authority has made it clear that "commission" means any financial consideration.
If you would like us to disclose any potential commission we earn:
Please make your request to our head office address on our contact page or by email to stourvalleycarsltd@btconnect.com Or by telephone on 01787 375079.
About Stour Valley Cars Ltd Services
Stour Valley Cars Limited offer products and services from a range of product providers with whom we have commercial agreements in place. We will receive financial remuneration for business introductions which may be variable or pre-set dependent on the product and the volume that we place with that organisation. The amounts that we receive may vary.
In respect of insurance products, we receive commission as a proportion of the premium paid from our insurance provider if you decide to enter into an agreement with them.


Initial Disclosure Document

Who regulates us?
The Financial Conduct Authority (FCA) is the independent regulator of financial services. The FCA require us to provide you with an Initial Disclosure Document to help you decide if our services are right for you. This document provides information about Stour Valley Cars Limited, the products we offer, the services we will provide, what we charge for our services, who regulates us, what to do if you have a complaint, and details about the Financial Services Compensation Scheme.
What products do we offer?
Stour Valley Cars Limited offers products and services from a range of Finance Companies and Product Providers with whom we have commercial agreements in place. We are a commission and/or fee-based organisation which means that we receive commission and fee payments for business introductions and providing our services. We will receive financial remuneration which may be variable or pre-set dependent on the product and the volume that we place with that organisation.
Which service will we provide for you?
Our Finance Services:
For the provision of finance, Stour Valley Cars Limited is authorised and regulated by the Financial Conduct Authority, firm reference number 715631 and is permitted to advise on and arrange consumer credit contracts. As FCA-regulated Advisors, we can introduce you to a limited number of lenders and leasing companies, who may be able to help you finance your vehicle purchase or provide vehicle leasing solutions. This group of lenders and leasing companies provides us with a range of products which may be suitable for your vehicle purchase or leasing requirements. We will explain the key features of those products to you and make a recommendation based on affordability which is suitable for your demands and needs at the time it is made. We are not Independent Financial Advisers and so are unable to provide you with independent financial advice. There are also other sources of finance which you may wish to investigate. We may receive a commission payment (s) or other benefits from finance providers should you decide to enter into a finance agreement with them via us.
Our Insurance Services:
At present we do not offer any insurance products.
What to do if you have a complaint:
If you wish to make a complaint, please contact Stour Valley Cars Limited by telephone or in writing by referring to our complaints procedure. To register a complaint contact us by either: Email: stourvalleycarsltd@btconnect.com. Telephone: 01787 375079 or write to us at; Stour Valley Cars Limited. Unit 16 Crestland Business Park, Bull Lane Industrial, Acton, Sudbury CO10 0BD.



Treating Customers Fairly

We at Stour Valley Cars Ltd we are committed to giving you excellent customer service and treating you fairly. We are committed to providing high standards of customer service and advice.
Treating Customers Fairly (TCF) is one of the key principles set by the Financial Conduct Authority to ensure fair treatment of customers, by improving standards across the financial industry.
As a part of this, Stour Valley Cars Ltd follows the relevant aspects of the Financial Conduct Authority's six guiding principles on how to engage with our customers. These are known as the 'Treating Customers Fairly' principles and govern how we communicate with customers, the level of service we provide and the fairness of our products and procedures.
The six principles for treating customers fairly
Outcome 1: Consumers can be confident that they are dealing with firms where the fair treatment of customers is central to the corporate culture.
Outcome 2: Products and services marketed and sold in the retail market are designed to meet the needs of identified consumer groups and are targeted accordingly.
Outcome 3: Consumers are provided with clear information and are kept appropriately informed before, during and after the point of sale.
Outcome 4: Where consumers receive advice, the advice is suitable and takes account of their circumstances.
Outcome 5: Consumers are provided with products that perform as firms have led them to expect, and the associated service is of an acceptable standard and as they have been led to expect.
Outcome 6: Consumers do not face unreasonable post-sale barriers imposed by firms to change product, switch provider, submit a claim or make a complaint.
Ways we meet these requirements in the day to day running of our business
• We continually aim to understand the needs of our customers.
• We ensure that the marketing of our products is appropriately targeted, clear, not misleading and highlights the risks/conditions as well as the key features/benefits of a product.
• We make certain our customers understand the risks associated with our services at the outset of an instruction.
• We keep our customers fully informed in a clear and fair manner that is not misleading.
• We ensure our services are delivered with clarity and transparency and do not contain hidden conditions or rely on complex definitions.
• Any advice provided will be appropriate and take into account the customer's individual needs and circumstances.
• We take our customers’ privacy seriously and are aware of and follow rules in relation to data protection to ensure that customer’s details are kept secure and confidential.


PP/07/23