Initial Disclosure Document
This Initial Disclosure Document (IDD) is required by the Financial Conduct Authority (FCA) the UKs independent financial services regulator to provide you with information about 1st4, the products and services we provide and what to do if you have a complaint.
1st4 are vehicle leasing brokers who offer Business Contract Hire and Personal Contract Hire on behalf of Leasing Companies and UK Motor Dealers.
We are NOT A LENDER, we are a credit broker/introducer.
As brokers we are a Commission Based Business who receive financial remuneration as introducers, this may be variable, per-set or fixed dependent on the product and the volume that we place with that organisation. The amounts that we receive may vary.
Financial Conduct Authority
The Financial Conduct Authority expects any intermediary to disclose to the customer that a commission or fee may be payable by the owner or creditor to the intermediary and if the customer asks, the amount of that commission. The Financial Conduct Authority has made it clear that “commission” means any financial consideration.
If you would like us to disclose any potential commission we earn:
In line with new legislation, if you would like 1st4 to disclose any potential commission please make your request to our office via our Contact Form or call us on 0344 561 7199.
Fees and Charges
We do not have documentation fees or admin charges. However, the finance company providing the lease may charge a fee in the event of a cancellation.
Who Regulates Us ?
1st4 is authorized and regulated by the Financial Conduct Authority. Our registered address is 82 Windsor Road, Southport, Merseyside PR9 9BY. Our Firm Reference Number is 651746 . You can check registration by visiting the FCA’s website at www.fca.org.uk
What to do if you have a complaint?
1st4 credit brokers are devoted to providing high levels of customer service, treating our clients fairly and will always make all reasonable efforts to resolve any complaint in a fair and prompt manner. If you feel that you wish to register a complaint please contact us:
By telephone: 0344 561 7199
Email via our Contact Form
In writing to the 1st4, 82 Windsor Road, Southport, Merseyside PR9 9BY