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?

WhateverWheels Limited is authorised and regulated by the Financal Conduct Authority, FRN 723304. You can check this on the FCA's website or by contacting the FCA on 0300 500 8082.

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 products do we offer?

We offer a limited number of finance products from a selected panel of lenders. We will always supply all products options available to you and would advise you to review these to ensure you are satisfied that the product you have chosen meets your requirements. WhateverWheels Limited is a credit broker not a lender.

What will you have to pay us for our services?

We do not charge a fee for the introduction to the finance provider; however, where we source the vehicle. For regulated agreements we may receive a fixed commission calculated by the reference to the vehicle model, product or amout you borrow, for introducing you to the lender but this does not affect the interest charged on the agreement, all of which are set by the lender.

All the lenders that we work with pay commission 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 will be made available to you upon request.

What to do if you have a complaint

If you wish to make a complaint, the first step is for us to understand your complaint. You can contact us by:

  • Phone: 01254 438026
  • Post: WhateverWheels Customer Care, Lower Philips Road, Blackburn, Lancashire, BB1 5QN.
  • Email: - Please provide your name and contact number where we can get in touch with you between the hours of where we can contact you between the hours of 9am - 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:
  • For further information on how to make a complaint or our complaints handling process, you can view our Complaints policy here.
    Our trading address is: WhateverWheels Limited, Lower Philips Road, Whitebirk Industrial Estate, Blackburn, Lancashire, BB1 5QN.
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