Initial Disclosure Document

We are required by the Financial Conduct Authority (FCA), who regulates the financial services industry, of which we are a part, to provide you with an Initial Disclosure Document (IDD) to enable you to decide, whether or not the products and services we offer are suitable for your needs. In addition we are required to advise you on how to make a complaint should you need to do so.

Who are EFL Vehicles Ltd ?

EFL Vehicles Limited whose office is Empire Business Park Empire way, off Liverpool Road, Burnley Lancashire BB12 6HH, is an independent credit broker, not a lender, authorised and regulated by the Financial Conduct Authority with a Reference Number 722358, which can be verified by contacting the FCA on 0800 111 6768 or by viewing the Financial Services Register at www.fca.org.uk.

We are also a member of the British Vehicle Renting and Leasing Association (‘BVRLA’) and operate in accordance with its code of conduct.

What do we Offer?

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

What Services will we provide you with?

We will provide you with either comparable details of firms most appropriate to your lending requirements or general information relating to finance products. In assessing your requirements we may seek information about your personal circumstances and objectives to enable us to identify your needs. It is important that you provide us with accurate and relevant information enabling us to hone down the selection of firms offered, from which you can more easily make your choice.

What do we charge for our Services?

We charge a Processing Fee of £199 plus vat which is only payable at order stage, once acceptable finance has been obtained, as a contribution to the costs incurred in processing the vehicle finance agreement.

Payment of the Processing Fee can be made using a credit or debit card or by BACs transfer. Credit card payments are subject to a 1.8 % charge which is levied by the card processing company. Debit Cards have no charge

Confidentiality and Data Protection

Throughout the process of obtaining finance for your vehicle agreement we will need to collect personal information from you and pass this information onto one or more third party lenders to enable them to make a credit decision. We will not disclose your personal details outside of this group of lenders. We are able to supply a comprehensive list of lenders by request.

Other Finance Facilities

You may be able to obtain finance for your purchase from other lenders and you are encouraged to seek alternative quotations and details of their products by researching on the high street, in the media and online.

What to do if you have a complaint?

Our aim is to provide a first class service and we are committed to treating our customers fairly, however if you wish to register a complaint please contact us:

By Phone: 01282 423884

By Email: mark@eflvehicles.co.uk

In Writing: EFL Vehicles Ltd , Empire Business Park, Empire Way, off Liverpool Road, Burnley , Lancashire BB12 6HH

Our Complaints Policy and procedure is available to view on our website. 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