Initial Disclosure Document

Northumbria Vehicle Leasing Limited Netherton Park, Stannington, Morpeth, NE61 6EF

1  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.

2  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 submit will your finance application to the lender. 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 them with public information about you and any third party financially linked to you. Information such as county court judgements (CCJs) and bankruptcies, electoral register and 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. This applies to all applicants, including consumers, directors and or partners if the application is made by a limited company, partnerships or an incorporated association.

3 Which service will we provide you with ?

  • Hire Purchase (HP) Personal Contract Purchase (PCP), Personal Loan, (PL) Lease Purchase,(LP) Personal & Business Lease (P&BL), Contract Hire, (CH) & Personal Contract Hire (PCH)

You are not obliged to agree with our recommendations or to make any purchase of a financial product. You may obtain free, independent financial and insurance advice from the Money Advice Service at

4 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. We charge a fee for our Business contract hire and personal contract hire of £198 inc VAT If you were to cancel your order, we may also charge a cancellation fee for our brokering services as set out in our Terms of Business up to the value of £199 inc VAT for services rendered. This does not affect your right to cancel your finance agreement within any cooling off period.

5  Who regulates us ?

Northumbria Vehicle Leasing Limited 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 or by contacting the FCA on 0300 500 8082.

6  What to do if you have a complaint

If you wish to register a complaint, please contact us;

Write to Automotive Compliance Ltd, The Factory, 44 Alfred Street, Gloucester, GL1 4DD. Telephone 01452 671560

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

8  The Data Protection Act

Northumbria Vehicle Leasing Limited is also governed by the Data Protection Act. This ensures any information you give to us is secure and confidential. This information may be passed to the relevant motor partner, who will disclose this information to the relevant lender. Without this information Northumbria Vehicle Leasing Limited is unable to process your order or enquiry. Under the Data Protection act you may have this information restricted or removed by instructing the Northumbria Vehicle Leasing Limited at a later date. If you provide information and later wish to have this data restricted or removed from Northumbria Vehicle Leasing Limited records, please contact Northumbria Vehicle Leasing Limited on 01670 339469.