Initial Disclosure
Document
The Financial Conduct Authority
is the independent regulator of financial services. The Financial
Conduct Authority require us to provide you with a document called an
'Initial Disclosure Document'. This document provides information about
us, 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 services do we
provide?
We will provide you with either
comparable details of firms most appropriate to your lending or
purchase requirements or general information relating to finance
products. In assessing your requirements we may seek such information
about your personal circumstances and objectives as might be relevant in
order to enable us to identify your needs. It is important that you
provide us with accurate and relevant information. You will not receive
advice, or a recommendation from us, but we may ask questions to narrow
down the selection of firms offered, from which you can more easily make
your own choice if you so wish.
Whose
products do we use?
As a Financial
Conduct Authority regulated credit broker we can introduce you to a
range of lenders who may be able to help you finance your vehicle and
provide other products/services.
Do we
charge for our services?
We charge a fee
for our Business contract hire and personal contract hire. We are a
commission and fee based organisation which means that we may receive
payment(s) or other benefits from finance providers should you decide to
enter into an agreement with us. These fees may be variable or pre-set
dependent on the product and the volume that we place with the chosen
supplier.
Who regulates
us?
We are authorised and regulated by
the Financial Conduct Authority. Our firms reference number
is . You can
verify this on the Financial Conduct Authority's Register by visiting
the Financial Conduct Authority's website: here or by contacting them
on 0300 500 8082.
Please note that we are a credit broker and not a lender. Other services
we offer may not be regulated by the Financial Conduct Authority,
however the Financial Ombudsman Services has now been extended to handle
some complaints under the Consumer Credit Act.