Whytehall Car Collection

Initial Disclosure Document (Sales & Finance)

(Not Insurance)

1. Who Regulates Us?

Whytehall Car Collection is authorised and regulated by the Financial Conduct Authority (FCA) to act as a credit broker under consumer credit activity, not a lender.

FCA Firm Reference Number (FRN): 761355
You can verify our status via the FCA Register.

2. Our Services

We offer non-advised vehicle financing options. You will choose from the following:

• Hire Purchase (HP)
• Personal Contract Purchase (PCP)
• Lease Purchase

While we do not recommend or advise specific products, we present multiple lenders' offers for you to consider.

3. Commission Disclosure & Consumer Consent

We receive commission from finance providers, which may be either:

• A fixed amount per agreement
• A percentage of the financed amount

This commission does not affect the interest rate or total cost that you pay. Prior to you finalising any finance arrangement, we will disclose the amount and nature of the commission, and obtain your explicit informed consent to proceed carloan2day.co.uk Financial Times+1.

This is especially important following the Court of Appeal ruling that held undisclosed commissions-fixed or variable-are unlawful unless clearly disclosed, and explicit consent was given. Failure to comply exposes consumers to rescission rights, compensation, or redress Financial Times+1.

4. Cost of Our Services

Our services are provided free of charge to you. We do not charge broker or administrative fees for arranging finance.

5. Financing Options & Lender Panel

We act as a broker, introducing you to a panel of lenders who offer HP, PCP, and Lease Purchase.
Offer details (e.g., terms, APR, deposit, fees) are determined by the individual lenders. We provide these details so you can make an informed choice.

6. Warranty Sales

We also offer vehicle warranties (separate from financing). These are optional and not required to secure finance.
[If you'd like a section detailing what's included, length, pricing, how the customer can choose, etc., I can add that here.]

7. Treating Customers Fairly (TCF)

We are committed to the FCA's principle of Treating Customers Fairly. This includes:

• Transparent disclosure of all relevant information
• Ensuring you understand the products and associated costs
• Clear communication of your rights and obligations

8. Affordability & Vulnerability

You should be confident you can afford the payments over the term of your agreement without undue hardship.
If you're experiencing life changes or believe you may be vulnerable (due to health, personal circumstances, etc.), please let us know so we can offer additional support.

9. Complaints

If you wish to make a complaint, please contact us:

Whytehall Car Collection
Whytehall Cottage, Forrest Green Road, Hollyport, SL6 2NN
Tel: 07872 666 631
Email: [your preferred contact email-please provide if you'd like this added]

If you're not satisfied with the outcome, you may refer your complaint to the Financial Ombudsman Service (FOS).

10. Optional

• Financial Services Compensation Scheme (FSCS): [Typically not applicable for broking services-let me know if you'd like us to say this.]
• Data Protection & Privacy: We comply with UK GDPR and relevant data protection laws.
• Cooling-Off Period: Under the Consumer Credit Act, you have rights to withdraw within 14 days-let me know if you'd like this included.

Summary Table

Section	Description
Regulator & Status	FCA-regulated credit broker, FRN 761355
Financing Options	HP, PCP, Lease Purchase-non-advised
Commission	Fixed or percentage; disclosed & explicit consent
Fees	No charges; broker services free
Warranty Options	Optional, sold separately
Complaints Process	Contact details + FOS referral
Affordability & Vulnerability	Encouragement to assess capability & request support

Signature / Consent Acknowledgment

By signing below, I confirm that:

• I have received, read, and understood this Initial Disclosure Document.
• I have been informed of any applicable commission (and its basis) and give my explicit consent to proceed under these terms.
• I understand I am not receiving advice or recommendations, and that the finance agreement terms are set by the lender.