Initial Disclosure Document

We are required by the Financial Conduct Authority (FCA), who regulates the financial services industry, of which we are a part, to provide you with an Initial Disclosure Document (IDD) to enable you to decide, whether or not the products and services we offer are suitable for your needs. In addition we are required to advise you on how to make a complaint should you need to do so.

Affordability

You should assess the monthly payments you are required to make throughout the agreement and ensure you are able to meet these obligations and other obligations you already have without suffering undue hardship. If you are aware of any future events that will affect your ability to meet these payments, you should ensure the provider is informed immediately.

Your credit rating could be adversely affected if you do not make payments when due which could make it harder or more expensive for you to access finance facilities in the future.

Who are we?

We are a lease vehicle provider  whose registered office is Icon Automotive Group Limited, Unit 3, 851 London Road, Glasgow, G40 3RX. We are an independent company and do not use any 3rd party finance broker, authorised and regulated by the Financial Conduct Authority. Our Financial Conduct Authority Firm Reference Number is 936998.

What do we Offer?

We offer a range of vehicle leasing facilitiesIn addition, we may offer Finance GAP Insurance, Return to Invoice GAP Insurance, Early Termination Insurance (ETI), Tyre & Alloy Insurance and SMART Repair Insurance via two separate providers, Spectrum Insurance Services Limited and Premia Solutions Limited.

What do we charge for our Services?

Our Processing Fee is already applied within your contract terms, Payment of the Deposit + Initial deposit Fee can be made on-line using a credit or debit card or by BACs transfer.

Confidentiality and Data Protection

Throughout the process of obtaining finance for you and/or your partner vehicle agreement we will need to collect personal information from you and/or your partner and pass this information onto one or more third party lenders to enable them to make a credit decision. We will not disclose you and/or your partner’s personal information outside of this group of lenders. Those lenders whom sought you and/or your partner’s information in order to conduct an affordability and credit worthiness assessment will do through the Consent given by you and/or your partner.

In cases where you and/or your partner’s initial application may be refused,  further searches may be carried out with other lenders to provide you on our panel in order to find a lender that is willing to accept you and/or your partner’s application for finance.

What to do if you have a complaint?

Our aim is to provide a first class service and we are committed to treating our customers fairly, however if you wish to register a complaint please contact us:

By Phone: 0345 646 2275

By Email: complaints@iconautomotivegroupltd.com

In Writing: FAO: Compliance Manager, Icon Automotive Group Limited, Unit 3, 851 London Road, Glasgow, G40 3RX

Our Complaints Procedure is available to view on our website at www.iconautomotivegroupltd.com/complaintsIf you are not satisfied with a decision taken in respect of a complaint or appeal, you may contact the BVRLA (our industry trade association) who will act as an independent arbiter, at www.bvrla.co.uk. You may also have the right to refer a complaint to the Financial Ombudsman Service.