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.

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 a 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. We are a credit broker of vehicle finance, we are not a funder or a lender.

Do we charge for our services?
We will on occasion charge an arrangement fee for our broker related services. We are predominately, however, 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. You can request for us to disclose the amount of any commission received. If we charge a fee for a particular product it will be clearly stated on the quotation and order. By signing our order confirmation you are confirming that you acknowledge the above and that you are happy to proceed. The fee is payable at the time of order.

Fees and Commissions Arrangements (Finance Products)
We do not charge you a fee for an introduction to the lender but we will receive a commission from the
lenders we work with (either a fixed fee or a fixed percentage of the amount you borrow). The lenders we
work with pay a commission at different rates. Some lenders may also provide preferential rates to us for the
funding of our vehicle stock and also provide financial support for our training and marketing.

For regulated agreements under the consumer credit act 1974, prior to entering into your credit agreement, you have the right to ask us to disclose the amount of commission we will earn for arranging your credit agreement. If you would like more information, please email your request to the e-mail shown below within the section for contact details. For your reassurance, the amount of commission we receive from a lender does not have and effect on the amount that you pay to that lender under your credit agreement. The lender will always set this.

Who regulates us?
George Kingsley Vehicle Sales is authorised and regulated by the Financial Conduct Authority. Our firms
reference number is 664667. You can verify this on the Financial Conduct Authority’s Register by visiting the
Financial Conduct Authority’s website: 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.

Vulnerable Customers
As we treat all customers fairly this extends to vulnerable customers. When consumers are in vulnerable
circumstances, it may affect the way they engage with financial services. Vulnerable consumers may be
significantly less able to represent their own interests, they may have different needs and may have more
behavioural biases that negatively affect their decision making.With this in mind we will do all that we can to
ensure that we have explained everything clearly but if there is anything further, we can do to help, please
let us know.

If you have a complaint
Most customers will never have to read this far, but if something does go wrong, then we want to sort it out
straight away. Here we explain how we deal with complaints and what you can do if you think your complaint
has not been resolved.

Tell us about your complaint
If you have a complaint or are unhappy about any aspect of our service then we would like to hear from you.
You can contact us by telephone on 01206 728888, email ([email protected]) or write to us at:
George Kingsley Vehicle Sales, Unit 5 Rowhedge Business Park, Fingringhoe Road, Colchester, Essex. CO5


We will review your reasons and contact you within two working days with an update or an answer. Although we resolve the majority of our complaints within a few days, we may take up to eight weeks to thoroughly investigate any finance-related complaints before issuing our response. 

 What if I'm not happy with the outcome of my complaint?
If you’re unhappy with the outcome of your complaint and have any additional information, please contact us. We will
investigate again, taking any new information into account. Should you wish to take your complaint further after our
investigations, you can ask the Financial Ombudsman Service to look into it for you. The Ombudsman does not govern
issues such as customer service so they may not be able to assist in all queries.
You can contact the Ombudsman once our final response letter has been issued but you'll need to contact them within six
months of our final response letter – and they'll ask to see the letter for details on our investigation.

The Financial Ombudsman Service is a free, independent service that looks into disputes between financial businesses
and their customers. You can find out more or contact them directly at

If the matter relates to customer service or a vehicle issue, the Financial Ombudsman Service will not be
able to help. Please contact us for assistance.

Discretionary Commission Arrangement

Whilst we will continue to acknowledge and investigate any complaints relating to DCA's, customers will not receive a final response within the usual eight weeks if you have an eligible DCA complaint as the final response is paused until 25th September 2024.