Initial Disclosure Document

The Financial Conduct Authority (FCA) is the independent regulator of financial services. Use this information to decide if our services are right for you. Coles Commercials LTD - United Kingdom is authorised and regulated by the Financial Conduct Authority (our registration number is 715051 as a credit broker and is included on the Financial Services Register https://register.fca.org.uk).

Initial Disclosure Document - Consumer Credit
Your Finance Options
As an FCA-regulated credit broker we can introduce you to a selected group of lenders (a list is available on request) who may be able to help you finance your purchase. This group of lenders provides us with a range of products which may be suitable for your purchase. We will explain the key features of those products to you.

Close Brothers Ltd will pay a commission to the dealer who will be setting up the vehicle finance.
We want to ensure that you are aware that a commission will be paid by us to the broker or dealer. This payment is part of our commercial arrangement with them and may based on the terms of the finance agreement. A wide range of products and rates may be available elsewhere and you should consider what options are available to you before entering into the finance agreement.

We have taken steps to ensure that if, while advising you, we make a recommendation; such recommendation will be suitable for your demands and needs at the time the recommendation is made. In assessing your demands and needs we may seek such information about your personal circumstances and objectives as might be relevant to enable us to identify your requirements. It is important that you provide us with accurate and relevant information.

We always aim to provide a first-class service, however if you have any cause for complaint any enquiry can be raised by contacting us using the address and telephone number below. Should you remain dissatisfied, you have the right to ask the Financial Ombudsman Service to review your case. You should write to the Financial Ombudsman Service: Financial Ombudsman Service, Exchange Tower, London, E14 9SR.

As an organisation we are committed to treating our customers fairly, before, during and after a sale.
Before the sale you can expect: To have any significant and unusual exclusions or exceptions relating to the finance agreement brought to your attention. A clear statement of price, including where applicable a breakdown of any interest charges. Details of your cancellation rights and our complaints procedure. Copies of your finance agreement documentation or information as to when these documents will be dispatched, alongside a Commission Disclosure document.

After the sale you can expect:
Not to encounter any barriers to cancelling your finance agreement within regulatory agreed timeframes to have any complaint dealt with in a timely and professional manner If at any time you feel you have not been treated fairly by any member of our staff, please contact us by writing to Coles Commercials Ltd, Taunton Road Service Station, Bridgwater, TA6 6LD or by telephone on 01278 459749.

Confidentiality and Data Protection
Your information will only be disclosed/provided to third parties for the purposes of providing, arranging, administering, and renewing finance contract(s) and for the purposes of monitoring and/or enforcing compliance.