Information Disclosure
Company Compliance
Information Disclosure
We are Vehicle Consulting Group Limited and our registered office is 2 Acorn Business Park, Heaton Lane, Stockport, SK4 1AS.
We are an independent vehicle finance broker, not a lender, authorised and regulated by the Financial Conduct Authority. Our Financial Conduct Authority Reference Number is 673523. This can be verified by contacting the FCA on 0800 111 6768 or by viewing the Financial Services Register at www.fca.org.uk. The Financial Conduct Authority requires us to provide you with an Initial Disclosure Document. This document provides information about us, the products we offer, and the services we will provide, what we charge for our services, who regulates us and what to do if you have a complaint.
What do we offer?
We offer a range of business and personal vehicle leasing or purchase facilities. We are a licensed credit brokerage (not a lender) and can introduce you to one of our carefully selected panel of lenders who may pay us for the introduction.
What services will we provide you with?
We will provide you with competitive quotations from the lenders most appropriate to your requirements, and general information relating to finance products. While assessing your requirements, we may require information about your personal circumstances and objectives to enable us to identify your needs. It is important that you provide us with accurate and relevant information, enabling us to narrow down the selection of firms offered, from which you can easily make your choice.
Charges for our credit brokering services:
Vehicle Consulting Group Ltd charges fees for our credit brokering services.
Processing Fee – We charge a processing fee of £{fee} + VAT. The processing fee is a broker fee charged by Vehicle Consulting Group for the service we provide; it represents the costs we incur from arranging the transaction. It covers assisting in arranging the finance and the ordering and organisation of the delivery of the vehicle. This processing fee is payable online using debit or credit card or by BACs payment and is taken once finance acceptance has been obtained from the relevant funder. Payment by cheque is available upon request.
Novation Fee for Regulated Agreements – Under certain circumstances and subject to the lending policy for the funder used for your agreement, it may be possible to transfer an agreement for a private individual, sole trader, or small partnership. Vehicle Consulting Group Ltd will charge a fee equivalent to three months rental for the agreement being transferred. This fee is charged subject to acceptance by the funder. There may be additional charges levied by the funder, which we will make you aware of in advance of you proceeding with a transfer of hirer. This processing fee is payable online using debit or credit card or by BACs payment and is taken once finance acceptance has been obtained from the relevant funder. Payment by cheque is available upon request. Please speak to your Account Manager for more information.
Novation Fee for Non-Regulated Agreements – Under certain circumstances and subject to the lending policy for the funder used for your agreement, it may be possible to transfer an agreement for a Limited Company, LLP and Large partnership. Vehicle Consulting Group Ltd will charge a fee equivalent to three months’ rental for the agreement being transferred. This fee is charged subject to acceptance by the funder. There may be additional charges levied by the funder, which we will make you aware of in advance of you proceeding with a transfer of hirer. This processing fee is payable online using debit or credit card or by BACs payment and is taken once finance acceptance has been obtained from the relevant funder. Payment by cheque is available upon request. Please speak to your Account Manager for more information.
Contract Mileage Amendments – During the life of the agreement and subject to approval by the funder, it may be possible for you to amend the total mileage on the agreement. Vehicle Consulting Group does not charge you for this service; any costs applied by the funder. Please speak to your Account Manager for more information.
Contract Extension – At the end of the initial rental period and subject to approval by the funder, you may be able to formally extend your contract. Vehicle Consulting Group Ltd does not charge for this service. Please speak to your Account Manager for more information.
Cancellation and Withdrawal
Regulated Customers
(Including but not limited to: Private individuals, sole traders and small partnerships)
Where you enter into this agreement as a regulated customer, you have the right to cancel within 14 calendar days of the date you place your order or accept our quotation, in accordance with the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.
If you cancel within this 14-day period, you will not be charged any cancellation fee, although you may be required to pay for any services expressly requested and completed during the cancellation period, where permitted by law.
Where cancellation occurs after the 14-day cooling-off period, we reserve the right to recover reasonable and proportionate costs incurred as a result of arranging the agreement. These may include, but are not limited to, administration, vehicle sourcing, lender engagement, underwriting submissions and related third-party costs. Further details or evidence of such costs are available upon request.
Non-Regulated Customers
(Including but not limited to: Limited companies, LLPs and large partnerships)
Where you are a non-regulated business customer, no statutory cooling-off period applies.
Once an order has been accepted, cancellation will result in a cancellation charge equivalent to three months’ rental, payable immediately. This charge represents a genuine pre-estimate of the costs and commitments incurred by Vehicle Consulting Group in arranging the agreement, including administration, vehicle sourcing, lender submissions, underwriting activity and supplier commitments.
By placing an order, you confirm that you are authorised to do so on behalf of the business and that the decision to proceed has been made in the course of normal commercial activity.
Method of Cancellation
Any cancellation must be communicated in a durable medium, such as email. You do not need to use a specific form or particular wording to exercise your right to cancel.
Vehicle Information and Ordering
Your Vehicle Quotation
Please review your quotation carefully to ensure that both the vehicle details and the proposed finance arrangement meet your expectations before confirming your order.
You should check that the vehicle model, variant, engine type, transmission, specification and any options or accessories are correct. Vehicle specifications displayed within quotations or on websites are often provided by third-party data providers. Whilst every effort is made to ensure the accuracy of this information, specifications should be treated as a guide only.
Where a vehicle offers a number of standard or no-cost configuration options (for example, interior trim, wheel designs or other embellishments), and no specific preference has been provided by the customer, the supplying dealer may provide the vehicle using the most common or standard configuration.
If you believe that any part of the quotation or vehicle specification does not reflect what you intend to order, you should notify Vehicle Consulting Group as soon as possible and prior to confirming the order, so that any necessary clarification or amendment can be made.
Quotations are provided on the basis of the information available at the time and are typically valid for a limited period. Changes to manufacturer pricing, vehicle availability, finance rates or promotional offers may occur and could affect the final terms available.
Vehicle Ordering
Once you confirm that you wish to proceed, Vehicle Consulting Group will place an order for the vehicle with the supplying dealer or supplier based on the vehicle specification and finance terms agreed with you.
By confirming an order, you acknowledge that you have reviewed the quotation and are satisfied that the vehicle details and proposed finance arrangement reflect your requirements.
Where the vehicle is to be built to order or sourced from available stock, proposed build dates, stock dates or delivery estimates may be provided for guidance. These dates are supplied by the manufacturer or dealer and should be regarded as estimates only.
Manufacturer production schedules, supply chain constraints and logistical factors may result in these dates changing. Vehicle Consulting Group does not have direct control over manufacturer production timelines or vehicle allocation processes.
Specification Confirmation
Before confirming an order, customers are responsible for ensuring that the vehicle specification, options and configuration shown within the quotation accurately reflect their requirements.
Vehicle Consulting Group places orders with supplying dealers based on the information confirmed by the customer. Once an order has been submitted to the supplying dealer or manufacturer, it may not always be possible to amend the specification without incurring additional costs or delays.
Vehicle Consulting Group cannot accept responsibility for discrepancies arising where a customer has confirmed an order without first ensuring that the specification details provided reflect their intended requirements.
Vehicle Availability
Vehicle supply is always subject to availability. In the unlikely event that the vehicle ordered becomes unavailable, or if the manufacturer discontinues or alters the specification of the vehicle, Vehicle Consulting Group will contact you at the earliest opportunity to discuss available alternatives.
Where changes to the order are accepted by you, Vehicle Consulting Group cannot accept responsibility for any additional costs or changes in pricing which may arise as a consequence of those changes.
Delivery Estimates
Any estimated delivery dates or lead times provided either verbally or in writing represent the best information available to us at the time, usually provided by the supplying dealer or manufacturer.
Whilst Vehicle Consulting Group will always endeavour to provide accurate information and timely updates, delivery dates are not guaranteed and may change due to factors outside of our control. These factors may include, but are not limited to:
- manufacturing delays
- supply chain disruptions
- transportation delays
- vehicle allocation changes by the manufacturer
Vehicle Consulting Group will keep you informed of any significant changes to delivery expectations where information becomes available.
Consequences of Cancellation (vehicle ordering)
Where a customer cancels an order after a vehicle has been secured with a supplier, Vehicle Consulting Group may already have entered into commitments with suppliers, finance providers or other third parties in order to progress the transaction.
In relation to all vehicle types (including but not limited to passenger cars and commercial vehicles with bespoke and/or aftermarket fittings, vehicles with wrapping/custom livery, and all vehicles subject to any kind of conversion), Vehicle Consulting Group does not accept liability from any party, as a consequence of a customer cancelling an order.
We will expect the customer to indemnify us against all liabilities, reasonable and/or incurred costs resulting from a cancellation. This will include, but is not limited to, any direct, indirect or consequential losses incurred by Vehicle Consulting Group once a vehicle has been ordered and will include any claim or demand made against us by a third party (including but not limited to a finance provider or vehicle supplier).
Vehicle Delivery
Where applicable, delivery of your vehicle will be organised once any monies due by way of arrangement fees, deposits or the balance of monies due have been paid. This will also be in conjunction with us being in receipt of your signed formal agreement with the lender being used for the finance.
Delivery will always be arranged to your home or business address, unless by strict prior approval by the funder or where we are authorised to make alternative arrangements on your behalf.
Delivery costs are typically included as part of the lease agreement, with most deliveries being conducted by a driven method. Please note that deliveries to certain regions of the UK may carry additional costs; this may also arise as a consequence of your location in relation to the supplying dealer. Vehicle Consulting Group will always endeavour to advise you of these costs in advance of booking your delivery. Delivery by transporter may be available upon request, although please be aware that additional costs for this service may apply.
In most instances, the funder being used to finance your vehicle will provide an additional mileage allowance to cover delivery. This mileage will, in most cases, have an upper limit of 100 miles from the supplying dealer’s location to your home or business delivery address. Any additional mileage above this allowance may be deducted from the agreed total mileage amount as per the legal agreement you have signed. Additional costs may apply should you require delivery via a transporter.
Please note that wherever we refer to “estimated delivery date” or “lead time for delivery”, these are representations of our best intentions to deliver your vehicle by. They are often estimated dates provided to us by the supplier, and in no way can they be offered as a guarantee. Delivery dates are subject to change as a consequence of changes during the manufacturing process, but may also be as a result of delays between manufacturing and movement from the factory, to holding compounds with onward delivery to the supplying dealer prior to delivery to you.
Every effort is made by Vehicle Consulting Group to meet quoted delivery timeframes; however, Vehicle Consulting Group accepts no responsibility for changes to delivery dates, which may come about due to circumstances beyond our control.
Wherever possible, Vehicle Consulting Group will provide timely updates regarding delays and will communicate these to you at the earliest opportunity available. Vehicle Consulting Group will not accept any responsibility for losses or inconvenience caused as a result of these delays.
Under certain circumstances and subject to both availability and qualifying criteria, where a delivery is subject to extended delays, Vehicle Consulting Group may be able to refer you to a short-term rental solution. Please note, however, additional costs for this service may apply.
For regulated agreements where a mandatory cooling-off period applies, Vehicle Consulting Group reserves the right to delay delivery of your vehicle until such time as the appropriate period has passed. Should you require more information regarding how cooling-off periods might apply to you, please refer to your account manager or seek clarification from our operations team.
Prior to delivery, proof of fully comprehensive insurance may be required. Please note that, where applicable, it is your responsibility to notify your insurer that the vehicle being delivered is being taken on a lease agreement. You will need to disclose when required that the vehicle remains the property of the funder being used for the lease, and as such, they will be both the registered owner and registered keeper for the duration of the lease agreement.
Prior to arranging delivery, please ensure you have made adequate arrangements should the fitting of a vehicle tracker be required. Vehicle Consulting Group accepts no responsibility for delays to delivery as a consequence of your insurer imposing a mandatory requirement which you did not previously make us aware of.
Due to the nature of where the vehicles are sourced, it may not always be possible to register your new vehicle with a local registration.
After Delivery of the Vehicle
Once the vehicle has been delivered, you will no longer be able to cancel the order or this brokerage agreement.
Any request to end the agreement after delivery will be treated as a termination of the lease or finance agreement, rather than a cancellation. The financial consequences of termination, including any early termination charges, will be set out in the relevant lease or finance agreement with the finance provider.
During the Agreement
Maintenance
Maintenance packages are available for a fixed monthly fee, which covers the cost of servicing, MOTs and other costs such as tyre replacement and roadside assistance. As you would expect, it has some exclusions, such as windscreen replacements and vandalism. If your quote doesn’t have a maintenance quote, please don’t hesitate to ask your account manager.
Particulate Filters
Due to changes in emissions legislation, many modern vehicles are fitted with particulate filter systems designed to reduce pollutants entering the atmosphere and minimise exhaust emissions.
These systems require periodic regeneration, which is achieved by the exhaust system reaching and maintaining an appropriate operating temperature during normal vehicle use. Vehicles which are used primarily for short, low-speed or urban journeys may not always achieve the conditions required for effective regeneration.
Where regeneration does not occur sufficiently, this may lead to warning lights, reduced vehicle performance and, in some circumstances, repair costs. Customers should therefore carefully consider their typical driving habits when selecting a vehicle and fuel type. More detailed information is available on request.
AdBlue Additives (Only applicable on diesel engines)
AdBlue is an additive which is required for all diesel engines fitted with a Selective Catalytic Reduction system, and it is designed to reduce dangerous Nitrogen Oxides into two harmless products – water vapour and Nitrogen.
AdBlue is a consumable which you will have to top up at your expense, and with AdBlue tanks varying in size from 5 litres to 20 litres, you will be reliant upon your on-board computer to give you a number of warnings as the level drops. It is wise not to ignore them, as once the AdBlue is all gone, the car may not start until the AdBlue tank is topped up again. Topping up the tank is very easy; the AdBlue filler cap is often located next to the diesel filler, and AdBlue is typically sold in handy containers that dispense without drips. (Older cars may have AdBlue filler caps inside the vehicle).
In Car Connectivity and Vehicle Apps
Modern vehicles often include connected services and app-based functionality, some of which may be required for certain vehicle features to operate fully. These services can include remote locking/unlocking, vehicle status information, charging management, navigation services and manufacturer-specific applications.
Availability and activation of connected services may vary depending on the vehicle manufacturer, leasing provider/funder and the type of agreement in place. In some circumstances, certain connected features or subscription-based services may be limited, unavailable or require separate registration by the driver/user. Some manufacturer-provided connectivity features and subscription services may be subject to separate renewal or subscription charges during or after the lease period. Unless specifically stated otherwise, these costs are not included as part of the vehicle lease agreement.
Where connected services are activated, the driver/user is responsible for ensuring that all personal accounts, apps and stored data are removed from the vehicle and disconnected from any linked devices or applications before the vehicle is returned or transferred to another user.
Failure to remove or reset connected services may result in ongoing access to vehicle functions, retained personal data, or charges continuing to be incurred after the vehicle has been returned. This could include, but is not limited to, charging costs, subscription services or other app-linked functions benefiting a subsequent user.
If in-car connectivity or app integration is important to you, please discuss this with your account manager before proceeding with your agreement.
Pre-Registered Vehicles
Where stated, vehicles supplied as pre-registered will have been registered prior to delivery to you. As a result, the vehicle will be supplied with the remainder of the manufacturer’s warranty and any associated services, such as roadside assistance, calculated from the original date of first registration.
Because the vehicle has already been registered, certain time-based requirements associated with vehicle ownership will also run from the original registration date. This may include the date on which the vehicle’s first MOT test becomes due.
As a result, it is possible that an MOT may become due during the term of your agreement, even where the agreement is for three years or less.
Unless a maintenance package has been included within your agreement, the responsibility for arranging and paying for any MOT tests, servicing, or repairs required outside of the manufacturer’s warranty period will remain with the customer.
Pricing
Vehicle Consulting endeavours for all “quoted” pricing to remain available during the 14-day validation period. There are things which are outside of our control, such as manufacturer price increases and the ‘Stock’ offer selling out before an acceptance is given. We may also be unaware of model year changes, which might not have been published by the manufacturer, but do usually include a price increase.
Missed Payments
If you fail to keep up repayments on your agreement, you may incur additional interest charges and penalties which may impact on your credit file.
End of Contract
The vehicle must be returned in good condition. For more information on guidelines, you should visit the BVRLA website to view the industry standard Fair Wear and Tear guide. Vehicles must be returned with the correct documented service history in accordance with the manufacturer’s guidelines. All vehicles need to have all keys, all tools, and all manuals returned. Please note that the collection of a vehicle at the end of the lease period remains the responsibility of the hirer. We will always endeavour to assist with the collection process; however, this courtesy is subject to certain criteria being met. Please ensure you contact Vehicle Consulting Group customer services regarding any collection, leaving a minimum of one calendar month before the contract end date. Where a vehicle is not collectable prior to the end date, the hirer may be required to bear costs relating to MOT or other servicing requirements, should they fall due before the end of the lease. Vehicle collections are subject to the funder’s availability; therefore, requested dates cannot be guaranteed. Please allow a minimum of 7 days either way from the date of the collection request to the actual desired collection date. Vehicle Consulting Group does not accept any liability for end of contract collections falling outside of the desired dates and any aborted collections. Where the hirer fails to request a collection be cancelled at least 24 hours prior may make themselves liable to costs imposed by the lender.
What to do if you have a complaint?
We aim to provide a first-class level of service. We are committed to treating our customers fairly; however, if you wish to register a complaint, please contact us. By phone: 0161 431 0011 or by email: hello@vehicleconsulting.com or in writing: Vehicle Consulting Group Limited, 2 Acorn Business Park, Heaton Lane, Stockport, SK4 1AS.
Our complaints policy and procedure is available to view on our website – www.vehicleconsulting. If you are not satisfied with a decision taken in respect of a complaint or appeal, you may contact the BVRLA who will act as an independent arbiter. The BVRLA can be found at www.bvrla.co.uk. Consumer Credit customers also have the right to refer unresolved disputes to the Financial Ombudsman Service within 6 months from the date of the final decision at www.financial-ombudsman.org.uk/consumer/complaints
Privacy & Cookie Policy
Please read our Privacy & Cookie Policy at https://vehicleconsulting.com/privacy-cookie-policy/ , and should you require a hard copy, please do not hesitate to ask your Account Manager.
Commission Disclosure
Vehicle Consulting Group Limited is a credit broker and not a lender.
Vehicle Consulting Group Ltd (VCG) is permitted by the FCA to carry out credit broking, debt adjusting (limited to settlement of vehicle finance) and debt counselling (limited to settlement of vehicle finance).
Our registered address is Unit 2, Acorn Business Park, Heaton Lane, Stockport SK4 1AS and our Financial Conduct Authority (FCA) Firm Reference Number is 673523. For verification purposes, you can check our status on the register by visiting the FCA’s Financial Services Register at www.fca.org.uk or by calling them on 0800 111 6768 or 0300 500 8082 from the UK, or +44 207 066 1000 from abroad. The FCA also offers calls using next generation text relay, via (18001) 0207 066 1000.
Credit Broking – The services we provide:
Vehicle Consulting Group Ltd will provide you with general information relating to finance products and details of finance options available from a carefully selected panel of lenders, which may be suitable for your requirements.
In order for us to assess your requirements comprehensively, we may obtain information from you which we consider relevant. This may include, but is not limited to, information relating to your personal circumstances and your vehicle and funding requirements. This information helps us identify finance options which may be appropriate for your needs and circumstances.
Finance Products – Selection Process:
As a broker regulated by the FCA, Vehicle Consulting Group will introduce you to a carefully selected range of finance providers and may also make available additional products and services, including vehicle servicing and maintenance packages.
We will usually receive a commission or other remuneration from one of our finance providers should you choose to enter into an agreement following our introduction.
The amount of commission or remuneration received may vary depending on the finance provider selected, the type of product, the terms of the agreement and other commercial factors. Some finance providers may also make additional payments based on factors such as customer satisfaction, service standards or volume of business.
While commission and remuneration arrangements may vary between finance providers, Vehicle Consulting Group will always act in accordance with its regulatory obligations to treat customers fairly and to provide information which is clear, fair and not misleading.
Should you require further information regarding commission or remuneration arrangements, please contact us at hello@vehicleconsulting.com.
Vehicle Consulting Group acts as a credit broker and works with a carefully selected range of finance providers.
Any additional products or services are optional unless stated as mandatory by the finance provider or funder.
Last updated: 4th June 2026