Initial Disclosure Document

1. About Us

This document is issued by:

• Company Name: V2L Limited (trading as Vehicles 2 Lease)
• Company Registration Number: 6628585
• Registered Address: Fernhill Depot, Todd Street, Bury, BL9 5BJ
• Phone: 0161 764 0409
• Email: info@vehicles2lease.co.uk

2. Regulatory Status

V2L Limited is authorised and regulated by the Financial Conduct Authority (FCA).

• FCA Firm Reference Number: 659121
• BVRLA Membership Number: 1988

You can verify our registration on the FCA Register at register.fca.org.uk or by calling the FCA on 0800 111 6768.

3. Our Service

V2L Limited is a credit broker, not a lender. We can introduce you to a limited number of finance providers (funders) who may be able to provide you with vehicle finance.

Our services include:

• Sourcing vehicles for lease
• Arranging vehicle finance on your behalf
• Providing information about available leasing products

We do not provide independent financial advice. The information we provide is intended to help you make an informed decision about vehicle finance.

4. Finance Products We Offer

We can arrange the following types of vehicle finance:

• Business Contract Hire (BCH): A lease agreement for business customers where you hire the vehicle for an agreed period and mileage, then return it at the end
• Personal Contract Hire (PCH): Similar to BCH but for personal (non-business) use
• Finance Lease: You hire the vehicle and may have the option to sell the vehicle at the end of the agreement

5. How We Are Paid

When we arrange finance for you, we may receive a commission from the finance provider. This commission may be:

• A fixed fee per transaction
• A variable amount based on the product, term, or amount financed

You are entitled to request details of any commission we may receive in relation to your specific finance arrangement. For full details, please see our Commission Disclosure.

6. Your Obligations

When applying for finance through us, you should:

• Provide accurate and truthful information
• Disclose any material facts that may affect the credit decision
• Ensure you can afford the repayments before entering into an agreement
• Read all documentation carefully before signing
• Ask questions about anything you do not understand

7. Your Rights

You have the following rights:

• Right to cancel: You may have a 14-day cooling-off period after signing a finance agreement (where applicable)
• Right to information: You can request details of our commission and fees
• Right to complain: If you are dissatisfied with our service, you can use our Complaints Procedure
• Right to refer: If your complaint is not resolved, you can refer it to the Financial Ombudsman Service

8. Data Protection

Any personal information you provide will be processed in accordance with our Privacy Policy and relevant data protection legislation.

Your information may be shared with finance providers for the purposes of processing your application. Credit checks may leave a footprint on your credit file.

9. Complaints

If you wish to make a complaint about our service, please refer to our Complaints Procedure. If you are not satisfied with our response, you may refer your complaint to:

• Financial Ombudsman Service: www.financial-ombudsman.org.uk | 0800 023 4567
• BVRLA Conciliation Service: www.bvrla.co.uk

10. Contact Us

If you have any questions about this document or our services, please contact us:

• Email: info@vehicles2lease.co.uk
• Phone: 0161 764 0409
• Address: V2L Limited, Fernhill Depot, Todd Street, Bury, BL9 5BJ