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Initial Disclosure Document

Initial Disclosure Document

The Financial Conduct Authority is the independent regulator of financial services. The Financial Conduct Authority 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, 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 order to assess your situation, 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.

Do we charge for our services?

Yes, we do charge an Admin/Arrangement fee of £199.99+VAT. This is only payable once we have an approval in place and you’ve signed and returned your vehicle order form. We may also receive a commission payment and/or other benefits from finance providers and Dealers for processing your order, should you decide to enter into an agreement with us.

Who regulates us?

The FCA is the independent watchdog that regulates financial services. Cando Contracts Ltd is authorised and regulated by the Financial Conduct Authority (“FCA”) for Consumer Credit Activity our registration number is FRN 674476

You can verify this on the Financial Conduct Authority's Register by visiting the Financial Conduct Authority's website: or by contacting them on 0300 500 8082.

If you have a complaint: Please request a copy of our Complaints Handling Procedure.