Initial Disclosure Document (IDD)

The Financial Conduct Authority (FCA) is the independent regulator of financial services. The FCA requires 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, and what to do if you have a complaint.

Who Regulates Us?

WhateverWheels Limited is authorised and regulated by the Financial Conduct Authority, FRN 723304. You can check this on the FCA's website at https://register.fca.org.uk or by contacting the FCA directly on 0300 500 8082.

Which Service Will We Provide You With?

We offer a non-advised service, meaning we cannot give you advice or a recommendation on products. However, in assessing your application, we will ask you for information to enable us to identify your needs and present a selection of products relevant to your requirements. You will then need to make your own choice about how to proceed.

You will receive the pre-contract credit information which will detail the Terms & Conditions of the product you have chosen and advise you about any other fees and interest relating to that product.

Please note that all our telephone calls are recorded for training and monitoring purposes.

What Products Do We Offer?

We offer a limited number of finance products from a selected panel of lenders. We will always supply all product options available to you and would advise you to review these to ensure you are satisfied that the product you have chosen meets your requirements. WhateverWheels Limited is a credit broker, not a lender.

What Will You Have to Pay Us for Our Services?

We do not charge you a fee for our credit broking services or for introducing you to a finance provider. For regulated agreements, we may receive a fixed commission calculated by reference to the vehicle model, finance product, or the amount you borrow for introducing you to the lender. This commission does not affect the interest rate charged on your agreement, all of which are set directly by the lender.

All the lenders that we work with pay commission at different rates; however, the commission received does not change the amount you will pay under your finance agreement. Our aim is to secure finance for you at the lowest interest rate available from our panel of lenders. The exact amount of commission will be made available to you prior to signing your finance agreement.

What to Do If You Have a Complaint

If you wish to make a complaint, the first step is for us to understand your concerns. You can contact us by:

• Phone: 01254 438026
• Post: WhateverWheels Customer Care, 8 Glebe Street, Great Harwood, Lancashire, BB6 7AA.
• Email: management@whateverwheels.co.uk

Please provide your name and a contact number where we can reach you between the hours of 9:00 am and 5:00 pm, Monday to Friday.

We will promptly acknowledge your complaint in writing, investigate the matter, and endeavour to send you a final response within 8 weeks of receipt. If we are unable to provide you with a final response within this time frame, we will send you an official update.

If you are not happy with our final response, and you are an eligible complainant, you can escalate your complaint to the Financial Ombudsman Service. You must do so within six months of the date of your final response letter. You can contact them using the following details:

• Phone: 0800 023 4567
• Post: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR.
• Email: complaint.info@financial-ombudsman.org.uk

For further information on how to make a complaint or to view our complaints handling process, you can request a copy of our full Complaints Policy in-store or view it on our website.

Company Address

Our trading and registered address is: WhateverWheels Limited, 8 Glebe Street, Great Harwood, Lancashire, BB6 7AA.