Capital Vehicle Management 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 an 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 of £150.00 excluding VAT and £180.00 including VAT respectively. 

Capital Vehicle Management are a broker not a lender. We do not provide independent financial advice. We may be paid a commission for introducing you our funding partners. This will be an amount that is capped at a percentage of the tax list price of the vehicle. As a broker we may also receive an extra amount based on how much business we give our funding partners and the quality of our service. The higher the amount paid to the broker, the more you will pay to hire your vehicle. If you request a commission disclosure we will tell you (in good time before the agreement is made) the amount of any payments we will receive. This should be made in writing to us at Finance Department Capital Vehicle Management Ltd.

Who regulates us?

Capital Vehicle Management is authorised and regulated by the Financial Conduct Authority. Our firms reference number is 672052. 

You can verify this on the Financial Conduct Authority's Register by visiting the Financial Conduct Authority's website: https://register.fca.org.uk/ or by contacting them on 0300 500 8082.

Please note that Capital Vehicle Management is 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.

If you have a complaint

Please visit our complaints procedure page.