Terms & Conditions



All correspondence relating to M & J Autos should be sent to:


M & J Autos
150 Coles Green Rd
Email: mjauto@live.com

Telephone: 020 8438 8478


Registered office: 170 Church Road, Mitcham, Surrey, England, CR4 3BW.
Registered in England with company number 08505112.


Test driving a car – eligibility


For insurance purposes, to take a car for a test drive you must be at least 21 years old and have held a valid driving licence for over a year.


Purchasing and collecting a vehicle – terms & conditions


The collections procedure is subject to completion of the pre-delivery inspection and any repairs that may arise from it. A confirmation email or text will be sent as soon as the vehicle is ready for collection. If there’s likely to be a delay you will be contacted as soon as possible. Please allow one hour to collect your car.


Valid UK / EU Driving Licence including photo section OR Valid Passport AND 2 proofs of present address dated within the past 3 months are required for identification on every collection. (Bank Statement, Council Tax or Utility bills, excluding mobile phone).


Payment methods


UK Debit cards, Direct Transfer and Bank Drafts payable to M & J Autos Limited. Cash payments over £1,000 incur a 1% handling fee. M & J Autos Limited only accepts up to £10,000 in cash.


Please note: unfortunately, we cannot accept Building Society Cheques or credit card payments made towards the purchase of your car. However, credit cards are accepted for additional products i.e. Warranty Policies.


External Finance


If you use an external finance company to pay for your car, there will be an external finance admin fee to cover administration costs. You will be able to add the external finance admin fee to the price of the car.




The minimum required to secure a car is a £300 deposit. Deposits are non-refundable in any circumstances. A further deposit may be placed to extend the collection date, this would be a maximum of £600 which would secure the car for up to 2 weeks in total. Deposits will be forfeited if you fail to collect the car at the arranged time. The car will then be placed back for sale and prior notice will not be given.


Vehicle Security


M & J Autos Limited accepts responsibility that all vehicles are not subject to a category A, B, C or D insurance total loss, are not recorded on the stolen register, and are not subject to a finance agreement. This is in addition to your statutory rights.


Ownership of goods shall not be passed onto the customer until the price has been paid in cash or cleared funds, but risk shall be passed to the customer on delivery.


*Admin fee is made to cover the documentation and administration costs.




If you do not pay for or collect your vehicle within 14 days of notification that the vehicle is available, we reserve the right to make a reasonable daily charge for the storage of the vehicle or vehicles.


Apply for finance – terms & conditions


Finance is provided, subject to status. To apply you must be at least 18 years old and a UK resident. A guarantor may be required. Security may be required by way of a Bill of Sale.


Credit is only available on cars supplied by us.


Telephone calls may be monitored or recorded for security and quality control. Information is available in large print, audio and Braille on request please call for details.


Use of Your Information


If you make an application, your details will be held on computer and used in a credit scoring or other automated decision-making process when assessing your application. M & J Autos Limited work with a number of Credit Providers who provide vehicle finance. We will pass your application to more than one Credit Provider (if it is not initially accepted) in order to give the best chance of securing finance. This may result in multiple credit searches. If you provide false or inaccurate information we will record this. We and other organisations may then use and search these records to check your identity, to prevent fraud and money laundering. You can ask for details about the Credit Reference and Fraud Prevention Agencies from whom and with whom we share this information. You have a legal right to these records.


For the purposes of this application you may be treated as financially linked and your application will be assessed with reference to any “associated” records.


If you are a joint applicant or if you have told us of some other financial association with another person, you must be sure that you are entitled to:


* disclose information about your joint applicant and anyone referred to by you.

* authorise us to search, link or record information at credit reference agencies about you and anyone referred to by you.


An “association” between joint applicants, and between you and anyone you tell us is your financial partner, will be created at credit reference agencies. This will link your financial records, each of which will be taken into account in all future applications by either or both of you. This will continue until one of you successfully files a disassociation at credit reference agencies.


You authorise us to make all enquiries necessary to verify this information to enable us to consider this application. If you apply for insurance your information will be passed to the administrators and the insurers for underwriting, processing claims handling and fraud prevention.


Your personal data which may include sensitive information such as medical details, will be treated in confidence and will not be disclosed to any third parties except where permitted by law or where you have given your consent, however, it may be shared with selected third parties and the Insurers (and their administrators) who may also use it for marketing, research, statistical analysis and administration purposes. For further information on the companies with whom your information may be shared please contact us. If you do not want your details to be used for marketing, please contact us. Under the terms of the Data Protection Act you have the right to obtain a copy of the information held about you upon payment of the appropriate fee.


Key facts about our insurance services and funding your purchase


The Financial Conduct Authority (FCA)


The FCA is the independent watchdog that regulates financial services. Use this information to decide if our services are right for you.


Whose products do we offer?

We offer third party warranty solutions.


We can introduce you to carefully selected vehicle finance brokers, who may pay us for introducing you. We offer Hire Purchase to fund car buying and Personal Loans to fund additional products.


Which service will we provide you with?

We will advise and make a recommendation for you after we have assessed your needs and eligibility for finance.


We are not an Independent Financial Advisor and are unable to provide independent financial advice.


What will you have to pay us for this service?

No fee for warranty solutions.

No fee for introducing you to a Finance provider.


Who regulates us?

M & J Autos Limited trading as M & J Autos, 150 Coles Green Rd, London, NW2 7JL is authorised and regulated by the Financial Conduct Authority. Our FCA Register number is 662430.


Our permitted business is advising and completing non-investment insurance contracts and financial services.


You can check this on the FCA’s Register by visiting the FCA’s website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768 or 0300 500 8082.


What to do if there is a fault with your vehicle

If there is a fault in the first 30 days, you MUST show that it was present at the point of sale. We only accept CPR Part 35 compliant Engineer’s report.


What to do if you have a complaint


To register a complaint please email mjauto@live.com.


Are we covered by the Financial Services Compensation Scheme (FSCS)?


We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and circumstances of the claim.


Insurance advising and arranging is covered for 90% of the claim, with no upper limit. Further information about the compensation scheme arrangements is available from the FSCS.


Complaint and Feedback Procedure


We are committed to providing a high standard of service to you and all our customers. Occasionally we may not live up to our expectations and if this happens we would like to hear from you. This will allow us to put matters right and make improvements. We value your feedback and thank you for helping us treat all our valued customers fairly.


In the first instance, please share your complaint in person with our staff as they are usually best placed to resolve the concern.


If your concern remains unresolved, contact our Complaints Team using the contacts below.


Email: mjauto@live.com

Address: M & J Autos,150 Coles Green Rd, London, NW2 7JL


If a complaint cannot be resolved at the dealership, we will refer you to an ADR.


Deduction Policy


In the unlikely event of us accepting the return of your vehicle for a refund. We will require the vehicle to be returned in the same condition as when it was purchased.


We will also exercise our right to deduct a reasonable sum of money having taken in to account the usage of the vehicle and any failure to keep it in good repair and condition.


This will include but not limited to our right to charge the consumer 150 pence per mile for each mile covered since the date of sale, along with the cost of any estimate for repairs required to any damage to the vehicles interior and exterior that was caused whilst the vehicle was in your possession and in an event of the vehicle repairs has failed and the customer wishes to reject the vehicle and return the vehicle it’s our right to charge the consumer 75 pence per mile for each mile covered since the date of sale.


Finance Complaints


We will promptly acknowledge all Finance and Insurance complaints. You will be given details of who is dealing with your complaint and how to contact them. We will do our best to resolve the concern immediately with as little inconvenience to you as possible and to keep you informed during the process. At any stage you may contact the person handling your complaint and discuss the next steps.


We will keep you informed of the progress being made towards complaint resolution throughout our investigation. Within 8 weeks we will give our Final Response or a further progress report on the investigation.




After receiving our Final Response, and you do not accept the outcome, or if your Finance or Insurance complaint has not been resolved within 8 weeks then you may appeal to the Financial Ombudsman Service. This was set up by the Financial Services Authority to review unresolved Finance and Insurance complaints.


The Financial Ombudsman Service


South Quay Plaza, Exchange Tower, London, E14 9SR. Tel. 0800 023 4 567 or 0300 1239 123