Initial Disclosure Document
This document provides you with information about us, what we do, and your rights.
The Financial Conduct Authority (FCA) is the independent regulator of financial services. The FCA require us to provide you with an initial disclosure document to help you decide if our services are right for you. This document provides information about Any Car Group, 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.
About Any Car Group
The Any Car Group consists of Any Car Online, Any Car 4U and Car Lease and Go and are trading styles of Charnock Solutions Limited. We are licensed by the FCA to carry out credit broking. Any Car Group is a credit broker and not a lender. Our registered address is unit Any Car Group, Business First Centre, 23 Goodlass Road, Speke, Liverpool, Merseyside, L24 9HJ. Our Financial Conduct Authority firm reference number is 674743. You can verify our status on the financial services register by visiting the FCA website at www.fca.org.uk/register/ or by contacting the FCA contact center on 0300 500 8082. We are members of the British Vehicle Rental and Leasing Association (BVRLA). Our BVRLA association membership number is 2016.
The services we provide
We provide access to leasing and rental contracts for a wide range of cars and commercial vehicles, including Vans and Pick-up trucks. We will provide you with details on the most suitable leasing or rental product to suit your circumstances, preferences and requirements. In assessing your requirements, we will need to seek and obtain information about you and your circumstances that are relevant to you and your application. It is important that you provide us with information that is accurate to the best of your knowledge, so we may recommend and match the most suitable vehicle and product that can be obtained.
The products we use
As a Financial Conduct Authority regulated credit broker, we may introduce you to and arrange products form a number of carefully selected funders who provide leasing finance and rental contracts. We provide Non-Status leasing and rental contracts, primarily for private individuals with a poor credit history and businesses without a track-record. Non-Status also has flexible options for all categories of applicant. We provide Mainstream leasing contracts which are primarily for private individuals with a good credit history and established businesses. We do not provide insurance products.
Do we charge for our services
We charge a £195+vat (£234) processing fee for our services on our mainstream (good credit) leasing contracts (personal & business). We do not charge a fee on any of our contracts if your application is declined by our funders. There is a fee payable on our non-status (inc poor credit) contracts once we have obtained approval for the vehicle you require. The amount of the non-status fee will depend on the vehicle and contract. Full details are provided to you within the quotation and order form prior to you entering in to any contractual commitment. You are provided with the quotation and order form as a matter of course and accompanying this document in most instances. We are a commission and fee-based organization which means we may receive a payment from the finance provider should you decide to enter into an agreement for a vehicle through us. These fees are variable or pre-set dependent on the product. We will provide you will details of the commission relating to your application on request. This request should be in writing. If you cancel your application, a cancelation fee may be payable. How much would depend on the contract. The amount is detailed within the terms and conditions of the order form.
Confidentiality and data protection
As part of the process of obtaining funding for your vehicle, we will need to pass your details on to one or more finance company/funders/car dealers etc. This may include credit searches. We will not undertake any credit search until you have agreed to proceed with a specific model/contract. We will not use your information to pass on to a third party unless you have provided us with prior information and authority to do so. All our calls are recorded for training and monitoring purposes.
We are licensed by the FCA to carry out credit broking. Our registered address is Any Car Group, Business First Centre, 23 Goodlass Road, Speke, Liverpool, Merseyside, L24 9HJ. Our financial conduct authority firm reference number is 674743. You can verify our status on the financial services register by visiting the FCA website at www.fca.org.uk/register/ or by contacting the FCA contact center on 0300 500 8082.
Dispute, Resolution and Complaints
We work hard to ensure that we offer high levels of service and that our communication to our customers is clear and not misleading. However, if you are unhappy with our service and wish to submit a complaint, please contact us by one of these methods:
…in writing: Customer Service Manager, Any Car Group,
Business First Centre, 23 Goodlass Road, Speke, Liverpool, L24 9HJ
…by phone: T: 0300 124 0979
…by email: firstname.lastname@example.org
We will reply to your complaint within 24-hours with full details of the complaints process, and endeavor to resolve your complaint within 5-days. In accordance to FCA rules, a final response will be provided within 8-weeks. If you are dissatisfied with our final response, you may be entitled to complain to the Financial Services Ombudsman or the BVRLA (British Vehicle Rental & Leasing Association) for a final independent adjudication.