Initial Disclosure Document

The Financial Conduct Authority (FCA) 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.

Who are V4B Ltd ?

V4B Ltd specialise in Personal and Business Vehicle leasing having been in the industry 29+ years. We use our knowledge and relationships with manufactures, dealers, and funders to get you the best deal.

Our registered office is at Ellkat House, Coed Aben Road, Wrexham Industrial Estate, Wrexham. LL13 9UH

We are authorised and regulated by the Financial Conduct Authority – Firm reference 669956

V4B Ltd are credit brokers and not a lender and are not linked to any of our lending panel member.

We are  registered with the Information Commissioners Office  – Firm reference ZA048218

We are also a member of the BVRLA (British Vehicle Rental & Leasing Agency) – Membership Number 895

V4B Ltd is a member of a group which includes V4B Ltd, Fleet Sauce Ltd, V4B Business Finance Ltd, R.A.D.S t/a The Car Shop, ACV Hire & Autolease Spain. Information is shared amongst the companies in line with our Privacy & Data Policy.

V4B Ltd has Introducers/Appointed Representatives/Agents/Sub-Franchises who act on behalf of V4B Ltd. Information is shared between the Appointed Representatives/Agents Sub Franchises and V4B Ltd in line with our Privacy & Data Policy.

Who regulates us?

V4B LTD is authorised and regulated by the Financial Conduct Authority. Our firms reference number is 669956. 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. 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. V4B Ltd are also a member of the British Vehicle Rental and Leasing Association (BVRLA) – Member number 895.

What services do we provide?

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. V4B Ltd is a credit broker not a lender.

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 this might be relevant 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 make your own choice if you so wish.

Do we charge for our services?

We charge a processing fee of between £0 and £400 inclusive of VAT per order. This charge is for the sourcing of a vehicle, sourcing of appropriate finance & order management. This fee is non-refundable.

We may also receive payments and/or other benefits from finance providers/vehicle suppliers 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 funder/supplier. For a copy of our Commission Disclosure Policy please email

What do I do if I want to cancel?

Below outlines V4B Ltd cancellation policy & procedure only . Your selected funder and/or dealer may have cancellation terms of their own which will also be enforceable.

Our cancellation policy differs dependant on order type. This information can be found on your order form.

To cancel your order please email will your Name, Order Reference, Vehicle Ordered and Reason for Cancellation. Upon receipt of your cancellation request V4B Ltd will liaise with the funder and/or dealer and confirm any cancellation charges from them.

If no alternative recourse can be found and you continue with the cancellation your account manager will confirm your cancellation fee via email.

REGULATED - Personal Contracts

If you are a consumer, you have a legal right to cancel the contract under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 within 14 days of signing the order form.

If you cancel within the 14 days of signing the order form no cancellation fee’s will be charged and the order cancelled. We are permitted by law to retain/pursue payment of the Processing Fee to cover costs we have incurred in processing your requests. The Customer Support Team will contact you within 14 days to confirm the order has been cancelled successfully.

If you cancel after 14 days of signing the order form V4B Ltd you will be charged 1 months rental as per your order form.

UNREGULATED - Business Contracts

If you cancel at any time after signing the order form V4B Ltd you will be charged 3 months rental as per your order form.

What happened if V4B Ltd cancel my order?

If V4B Ltd cancel due to us not being able to fulfil your order we will email you to confirm the reason we are unable to fulfil your order and confirm cancellation of the vehicle/finance.

No cancellation fee will be issued however we will retain the processing fee for services rendered.

What to do if you have a complaint

If you have a complaint about any aspect of our service, please contact us by telephone or in writing and your complaint will be resolved by the appropriate person in the shortest possible time.

To register a complaint:
Email -
Call - 0800 0966 488
Write to – V4B Ltd, Complaints, Ellkat House, Coed Aben Road, Wrexham Industrial Estate, Wrexham, LL13 9UH

If you have a regulated contract with us and are not satisfied with our final response, you may be eligible to refer the matter to the Financial Ombudsman Service. You must do this within six months of our final response. With our final response we will provide a copy of the Financial Ombudsman Service's explanatory leaflet.

For further information please email to request a copy of our Complaints Policy and procedure.

What does V4B Ltd do with your Data?

V4B Ltd is committed to ensuring that your privacy is protected and follow guidelines as set by the Information Commissioners Office – Data Protection Register Reference ZA048218.

Should we ask you to provide information by which you can be identified then you can be assured that it will only be used in accordance with our Privacy & Data Policy.

All customer records are kept Private and Confidential therefor V4B Ltd reserve the right to give copies of your records rather than allowing access to files which could contain information of other customers.

If you would like to view the information V4B Ltd has on record, please email We are required to confirm your identity before any information is disclosed in accordance with the Proceeds of Crime Act 2002 (POCA)

A full copy of our Privacy & Data policy is available on our website or by emailing to request a copy.