Initial Disclosure Information
The Financial Conduct Authority [FCA] is the independent regulator of financial services. The FCA requires us to provide you with an Initial Disclosure Document. This document provides information about us, the products that we offer, the services we 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.
NCA Vehicle Management Limited is authorised and regulated by the Financial Conduct Authority. We are a credit broker and not a lender. We provide vehicle finance broker services to customers via third party finance partners on a lease agreement.
The services 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 wish.
The products we use
As a Financial Conduct Authority regulated credit broker we may introduce you to a range of finance providers who may be able to help you finance your vehicle and provide other services and products such as service and maintenance packages.
We do not charge for our services. We may receive a payment or other benefit for introducing you to a finance provider who assists you with your agreement.
NCA Vehicle Management Limited is authorised and regulated by the Financial Conduct Authority. Our firm reference number is 688099. You can verify this on the Financial Conduct Authority's register by visiting the FCA's website at www.fca.org.uk/register or by contacting them on 0800 111 6768.
Some services that we offer are not regulated by the FCA however the Financial Ombudsman Service has now been extended to handle some complaints under the Consumer Credit Act.
If you have a complaint
If you have a complaint over our service, then you should let us know. Your complaint can be made by telephone or in writing, and it will be dealt with in the shortest possible time.
In the first instance, you should contact the person with whom you have been dealing. In order, to assist us in resolving your complaint you should provide the following information:
- Your name and contact information
- Full details of your complaint
- What you would like us to do to rectify things
- Copies of any relevant paperwork
We will try to find a resolution as quickly as possible. In the event, that your complaint is not resolved to your satisfaction by the end of business of the following working day, then we will keep you informed of our progress and will provide our final response in writing.
Unresolved disputes may be referred to the conciliation service of the British Vehicle Rental & Leasing Association [BVRLA], of whom we are a leasing broker member. Details should be submitted by e-mail to firstname.lastname@example.org.
If you do not have access to e-mail details can be sent by post to:
British Vehicle Rental & Leasing Association