In an interesting manoeuvre, a complaint against a used car company's radio ad that reversed the usual custom of putting terms and conditions at the end of an advert by instead opening with them has been upheld by the ASA.


The Trade Centre Group plc t/a Trade Centre UK ran a radio ad with the T&Cs relating to the car financing at the beginning rather than at the end as is the norm. The complainant believed listeners would interpret them to be for the preceding ad rather than being applicable for the ad by The Trade Centre Group and argued that the ad was therefore misleading. 


The Trade Centre argued that the ad complied with the FCA's requirement that financial information should be prominent, and that they would not be abiding by their own business principles of treating their customers fairly by "hiding" or "delaying" this information by placing it at the end of the ad.


In true driving test examiner style, the ASA essentially failed the ad on a collection of minors rather than any major. While it said it was okay in theory for the T&Cs to be at the front of the ad, listeners needed to be able to understand the information in the context of the ad as a whole. 

The ASA took issue with the manner in which the information was presented in this case, citing the following faults: 

  • The T&Cs were stated before any other information, such as the identity of the advertiser or product was heard
  • By the time the main content of the ad was heard listeners were unlikely to have realised that the T&Cs related to the product that followed, or they were likely to have been forgotten
  • The T&Cs and the main content were spoken by different voices, and
  • There was no music played with the T&Cs, whereas there was music in the main advert that followed.

Taken together, the ASA decided that there was a likelihood that listeners would not connect the two parts of the ad as being one whole ad.

The ad was therefore unclear and ambiguous, and was likely to materially mislead listeners, therefore it breached the BCAP Code. 

A fail for the advertiser, despite their seemingly good intentions.