Initial Disclosure Document

Initial Disclosure Document

The FCA legally require us to provide you with an ‘Initial Disclosure Document’. The Financial Conduct Authority (FCA) is the national independent regulator of financial services. This Document has a number of purposes, one of which is to ensure you are provided with essential information about us as a company, what we charge for our services, the products and services we offer and how we are regulated. It will also provide information on what you should do if you have a complaint and any details regarding the Financial Services Compensation Scheme. 

About The Vehicle Leasing Expert 

The Vehicle Leasing Expert are authorised and regulated by the Financial Conduct Authority (FCA) We provide broker services to customers and work with our finance partners in order to find a suitable vehicle lease agreement for our customers. You can find more about what we do on our 'About Us Page' 

The products we use 

Being an FCA regulated credit broker this enables us to introduce you to a range of lenders who can help you finance your vehicle, and provide servicing packages and vehicle maintenance should you require them. We work with some of the UK’s most prominent and trusted vehicle finance providers in order to help secure you the best and most appropriate deal. 

What do we Offer?

We will offer you a range of vehicle leasing facilities via a panel of selected third-party lenders from whom we may receive a commission or introductory fee or. We will not offer facilities from lenders outside of this panel. 

Our services

We will provide you with either comparable details of any firms most suited to your lending needs or any other general information relating to finance products. In order to do this we may seek personal information about your circumstances and objectives as might be relevant in order to enable us to identify your exact needs and establish a line of credit. It is important that you provide us with accurate and relevant information so that we can try and find a product or finance agreement that is most suitable to you. 

What are the costs for our services? 

We are completely transparent about our fees and commission. As a sales based business we rely purely on commission and we charge a processing fee of £165.83 + VAT for our services. This processing fee is payable by debit or credit card or by BACs payment. The payment is taken once the signed order has been received. Please let us know if you would like to request further information regarding our commission figures. 

Who regulates us?

The Vehicle Leasing Expert is regulated by the FCA. You can verify this by checking the FCA Register on the website: http://www.fca.org.uk/register/ or contacting them on: 0300 500 8082. Our firm reference number is 828190. 

What should I do if I have a complaint?

We always aim to provide you with the highest standard of service but if there is any occasion where for whatever reason you are disappointed with the services or wish to make a complaint in relation to or arising out of any contract between you and us then you may contact us via:

Our Complaints Procedure is available to view on our website at www.thevehicleleasingexpert.co.uk/complaints. If you are not satisfied with a decision taken in respect of a complaint or appeal, you may contact the BVRLA (our industry trade association) who will act as an independent arbiter, at www.bvrla.co.uk Consumer Credit customers also have the legal right to refer unresolved disputes to the Financial Ombudsman Service within six months from the date of the final decision at www.financial-ombudsman.org.uk/consumer/complaints.

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