Initial Disclosure Document

What is an Initial Disclosure document?
The Financial Conduct Authority (FCA) is the independent regulator of financial services. The FCA
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 and what to do if you have a complaint.
Who regulates us?
Top Cars Rugby Ltd is authorised and regulated by the Financial Conduct Authority. FRN 1015543. You
can check this on the FCA's website www.FCA.gov.uk/register or by contacting the FCA on 0300 500
8082.
Treating customers fairly
Top Cars Rugby Ltd are committed to ensuring that the FCA principle of treating customers fairly (TCF) is
applied in all areas of our day-to-day business activities. We aim to ensure that the TCF principle is
embedded and rooted in everything that we do. This principle underpins how we operate and function as a
business.
Which service will we provide you with?
We offer a non-advised service, meaning we cannot give you advice or a recommendation on products.
But in assessing your application we will ask you for information to enable us to identify your needs and
present a selection of products relevant to your requirements. You will then need to make your own choice
about how to proceed. You will receive the pre-contract credit information which will detail the Terms &
Conditions of the product you have chosen and advise you about any other fees and interest relating to the
product. Please note that all our telephone calls are recorded for training and monitoring purposes.
What will you have to pay us for our services?
We do not charge a fee for the introduction to the finance provider.
Commission Disclosure
For regulated agreements we will receive a commission payment from the finance provider if you decide
to enter into an agreement with them; the nature of this commission is either a fixed fee or a percentage
of the amount you borrow.
All the lenders that we work with pay commissions at different rates, however, the commission received
does not affect the amount you will pay under your finance agreement. Our aim is to secure finance for
you at the lowest interest rate available from our panel of lenders. The amount of commission can be
made available to you upon request over the phone and/or in writing.
Suitability and Affordability
We aim to support and tailor our service appropriately to those customers who may be particularly
vulnerable due to their current circumstances or recent life events. If you have a disability, physical or
mental health condition, feel vulnerable due to a change in personal circumstances, or just need extra
support please let us know and we will do our best to help you. You should make sure you have sufficient
time and support to assess the information given to you and ensure the funding option offered is suitable
for you and meets your requirements. If you are unsure, please don’t hesitate to ask us for further
explanations, help and support.
It is important that you only enter into an agreement if you can comfortably afford the repayments. You
should assess the monthly payments you are required to make throughout the term of the agreement and
ensure you can meet these and other current obligations without suffering undue hardship. If you are
aware of any changes in your life or your household circumstances, that may affect your ability to maintain
your loan repayments, please make us aware. 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. What to do if you have a complaint
The first step is for us to understand your complaint; you can contact us by
 Phone: 01788 317906.
 Post: Top Cars Rugby, 53 Somers Road, Rugby, CV22 7DG.
 E-mail: sales@topcarsrugby.co.uk.
Please provide your name and daytime contact number where we can contact you between the hours of 9
am - 5 pm Monday to Friday.
We will promptly acknowledge your complaint in writing, investigate your complaint and endeavour to send
you a final response within 8 weeks of receipt of the complaint. If we are unable to provide you with a final
response within this time, we will send you an update. If you are not happy with our response, and you are
an eligible complainant, you can escalate your complaint to the Financial Ombudsman, you must do so
within six months of the date of the final response letter. You can contact them:
By phone: 0800 023 4567
By post: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR.
By Email: complaint.info@financial-ombudsman.org.uk.
Alternatively, you may also contact the BVRLA Conciliation Service as an approved Alternative Dispute
Resolution service. Details can be found at www.bvrla.co.uk or by contacting complaint@bvrla.co.uk. For
further information on our complaint-handling process please visit www.jigsawfinance.com/complaints.
Address
If you need to contact us our trading address is Top Cars Rugby, 53 Somers Road, Rugby, CV22 7DG