Initial Disclosure Document

Document Date: June 2025
The Financial Conduct Authority (FCA)
The FCA is the independent watchdog that regulates financial services. Use this information to decide if our services are right for you.
1
Whose products do we offer?

We would like to tell you how the information you provide will be used in connection with your initial enquiry. We will complete a finance suitability questionnaire and then, without disclosing your personal information, we will approach the relevant Motor Dealer partner for your quote.

You will then receive a quote for approval. If you approve the quote and wish to proceed with the purchase, we will then confirm this with the relevant Motor dealer partner, and disclose your personal information to them, where they will submit your finance application to the lender.

Important: The Motor Dealer will be acting as a credit broker not a lender, where the lender will check your details with credit reference and fraud prevention agencies, and these agencies will record the check.

They will provide the agencies with your current and previous names, address and dates of birth of all parties, so if you are providing information about others, on a joint application, you must be sure that you have their agreement.

The agencies will provide information such as:

  • County court judgements (CCJs) and bankruptcies
  • Electoral register information
  • Fraud prevention information on you and your financial associates
  • Current and previous names, addresses and dates of birth
If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information.
2
Which service will we provide you with?

We will inform you of the options within the motor dealer market place, such as:

HP Hire Purchase
PCP Personal Contract Purchase
PL Personal Loan
LP Lease Purchase
P&BL Personal & Business Lease
CH Contract Hire
PCH Personal Contract Hire
Your Choice: You are not obliged to agree with our recommendations or to make any purchase of a finance or insurance product. You may obtain free, unbiased guidance from the Money Advice Service at www.moneyadviceservice.org.uk or Your Impartial Guide to Car Finance at www.financingyourcar.org.uk.
3
What will you have to pay us for this service?

You will receive a quotation which will tell you about any other fees relating to any finance agreement.

No Cost to You: You will make no payment to us for the introduction to motor dealer’s partner providers, but we may receive a payment(s) or fee from the motor dealer if you decide to enter into an agreement with them. You may ask us for details of such payments.
4
Who regulates us?
VanExperts
Unit 16, Ipswich Road
Cardiff CF23 9AQ

VanExperts is an appointed representative of Automotive Compliance Limited which is authorised and regulated by the Financial Conduct Authority. Automotive Compliance Ltd.’s FCA Reference number is 497010.

Automotive Compliance Ltd.’s permitted business is to act as Principal for a network of motor dealer Appointed Representatives who act as Credit Brokers for introduction to finance providers, acting on behalf of the lender.

You can check this on the Financial Services Register by visiting the FCA’s website https://register.fca.org.uk/ or by contacting the FCA on 0300 500 8082.

5
What to do if you have a complaint

If you wish to register a complaint, please contact us first:

VanExperts Contact Details

Email (General) enquiries@vanexperts.com
Email (Complaints) complaints@vanexperts.com
Phone 07837 786 920
Address Unit 16, Ipswich Road
Cardiff CF23 9AQ

If you cannot settle your complaint with us, you may also contact Automotive Compliance Ltd directly:

  • Write to: Automotive Compliance Ltd, The Factory, 44 Alfred Street, Gloucester, GL1 4DD
  • Telephone: 01452 671560
Financial Ombudsman Service: If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.
6
The Data Protection Act

VanExperts is governed by the Data Protection Act (2018). This ensures any information you give us is managed in a secure and confidential manner. This information may be passed to other groups or affiliated members including those company(s) detailed in Section 2 above.

Important: Without this information VanExperts is unable to process your order or enquiry.

Under the Data Protection Act you may apply to have this information restricted or removed at any time by contacting VanExperts:

  • Phone: 07837 786 920
  • Email: enquiries@vanexperts.com
  • In writing to: VanExperts, Unit 16, Ipswich Road, Cardiff CF23 9AQ