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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.

Whose products do we offer?

WRK Solutions Ltd t/a Vehicles4work offers products and services from a range of Leasing Companies, UK Vehicle Dealerships, Manufacturers and Product Providers with whom we have commercial agreements in place. We are a Commission Based Organisation which means that we receive payments for business introductions. We will receive financial remuneration which may be variable or pre-set dependent on the product and the volume that we place with that organisation. The amounts that we receive may vary.

Which service will we provide for you?

The service we will provide depends on the requirements of each individual client. We may advise and make recommendations for you after we have assessed your needs. Alternatively, we will provide you with product information enabling you to make you choice about how to proceed. The services and products we broker are: vehicle contract hire and leasing, vehicle purchase, finance lease, hire purchase and provision of sundry vehicle accessories (eg tracking devises, modifications, lettering).

Who Regulates Us?

WRK Solutions Ltd t/a Vehicles4work is authorised and regulated by the FCA , which stands for the Financial Conduct Authority (Interim Permission No: 648490). Our registered address is 45-46 The Square, Cumnock KA18 1BL. Our trading address is Unit 1 Block 14 Smiddy Court, Glencairn Industrial Estate, Kilmarnock KA1 4BY.

The Financial Conduct Authority expects any intermediary to disclose to the customer that a commission may be payable by the owner or creditor to the intermediary, and, if the customer asks, the amount of that commission. The FCA has made it clear that "commission" means any financial consideration.

If you would like us to disclose any potential commission we earn: In-line with new legislation, if you would like WRK Solutions Ltd trading as Vehicles4work to disclose any potential commission please make your request to our head office address on our contact page or by email to sales@vehicles4work.com or by telephone: 01563 542820

What to do if you have a complaint

If you wish to make a complaint please contact Vehicles4work in writing at our head office address Unit 1, Block 14 Smiddy Court, Glencairn Industrial Estate, Kilmarnock KA1 4BY and we will be happy to respond. Alternatively you can contact us by e-mail on sales@vehicles4work.com or call us on 01563 542820. If you cannot settle things to your satisfaction with us directly you may be entitled to refer your complaint on to the Financial Services Ombudsman Service (www.financial-ombudsman.org.uk) Tel: 0800 023 4 567 Post: The Financial Ombudsman Service, Exchange Tower, London E14 9SR

Further Information

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 are a commission and fee based organisation which means that we may receive a payment(s) or other benefits from finance providers should you decide to enter into an agreement with us. These fees may be variable or pre-set dependent on the product and the volume that we place with the chosen supplier. On some occasions, we charge an Administration or Documentation Fee for our broker related services. In these cases, the Fee will be clearly displayed and included in advertisements, our website listings and quotations.

Who regulates us?

Vehicles4work & Car Lease Shop is authorised and regulated by the Financial Conduct Authority. Our firms reference number is 673783. You can verify this on the Financial Conduct Authority's Register by visiting the Financial Conduct Authority's website: http://www.fca.org.uk/register/ or by contacting them on 0300 500 8082.

Other services we offer are not 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.

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