Initial disclosure document

The Financial Conduct Authority is the independent regulator of financial services. The Financial Conduct Authority requires 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 minimum processing fee of £165.00 + VAT or £198.00 incl. VAT for our services. The processing fee is the broker fee charged by White Rose Vehicles for our service and represents the costs incurred for arranging the sale, ordering the vehicle, arranging the finance and organising delivery of the vehicle. The processing fee will be payable by debit or credit card.

Who regulates us?

White Rose Vehicles Limited is a credit broker and not a funder, which means we can introduce you to a limited number of finance providers from which we may receive a commission. We are authorised and regulated by the Financial Conduct Authority. Registered Number: FCA < Undefined variable. You can verify this on the Financial Conduct Authority’s Register by visiting the Financial Conduct Authority’s website: https://www.fca.org.uk/register/ or by contacting them on 0300 500 8082.

Other services we offer are not regulated by the Financial Conduct Authority however the Financial Ombudsman Services has now been extended to handle some complaints under the Consumer Credit Act.

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