Initial Disclosure Document

The Financial Conduct Authority 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 and details about the Financial Services Compensation Scheme.

What services do we provide?

We will provide you with either comparable quotations and information 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 might be relevant in order 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 products offered, from which you can more easily make your own choice if you so wish.

For the purposes of funding, your details may be passed through to our partner, Driving Choice. Your details will only be passed through for the purposes of proposing you for finance and Driving Choice will handle the finance documentation on behalf of Drivespeed Leasing Limited. Driving Choice and Drivespeed Leasing Limited are both a part of Drivespeed Group, details of which can be found at Countrywide Vehicle Contracts Ltd will still be the main company dealing with each part of your order. Driving Choice should only be contacted for finance related issues.

Cooling Off Period

Your cooling off period is the period of time that you can cancel the purchase of goods or a service without incurring a penalty. It specifically relates to sales made at distance, such as online, over the phone or via mail order. Under the consumer rights regulations, any goods or services sold at a distance or off premises are entitled to a minimum 14-day cooling off period. During this time, you may cancel your purchase for any reason and get your money back.

If Countrywide Vehicle Contracts Ltd are arranging your vehicle lease, you are entitled to two cooling off periods. You have a cooling off period with Countrywide Vehicle Contracts Ltd (our brokerage agreement), and a cooling off period with the finance provider (your consumer hire agreement). Both these periods are 14-days.

Your cooling off period with Countrywide Vehicle Contracts Ltd, relates to the period of time you have to decide whether or not you wish to use our services. In accordance with the Consumer Contracts Regulations, agreements that have been concluded with no face-to-face dealings can be cancelled without penalty if notified in writing within 14-days of signing your order form. This 14-days period begins once the vehicle order form has been signed.

Your cooling off period with the finance provider, relates to your cancellation rights on your consumer hire agreement. Again, in accordance with the Consumer Contracts Regulations, regulated consumer credit agreements that have not been concluded face-to-face can be cancelled within 14-days without penalty. This 14-day cooling off period may differ between funders, but often starts either once the finance documents have been issued, or once they have been signed. Most finance providers do not allow vehicles to be delivered until the cooling off period has ended.


If you cancel your order within the 14-day cooling off period, you will receive a full refund of the processing fee.

If you cancel after your 14-day cooling off period has ended and your finance documents have not been signed, then the processing fee may be retained by Countrywide Vehicle Contracts Ltd to cover all costs and expenses incurred up to that stage. If you cancel after your finance documents have been signed, then you will not be entitled to a refund.

If you wish to exercise your right to cancel, you must notify Countrywide Vehicle Contracts Ltd of your decision to cancel in writing via email or post to;


or write to us at 131-133 Roman Road, Mountnessing, Brentwood, Essex, CM15 0UD

Commissions Disclosure

Countrywide Vehicle Contracts Ltd have commercial agreements in place with a range of dealerships, product providers and funders. Countrywide Vehicle Contracts Ltd are a commission based organisation, which means that we receive commission-based payments from those we work alongside. We will receive financial renumeration which may be variable or pre-set dependent on the product and the organisation. The amounts that we receive may vary.

Under Consumer Credit Directive rules, customers are entitled to request potential commission earning from Countrywide Vehicle Contracts Ltd maintains a policy of transparency regarding commissions disclosure requests and will willingly provide this information to all customers that request it.

In line with legislation, if you would like us to disclose any potential commissions, please make your request in writing. Once your request is made, it will be dealt with by us. A record of all commission requests and responses will be retained in line with our retention policy.

Please contact us at;


or write to us at 131-133 Roman Road, Mountnessing, Brentwood, Essex, CM15 0UD

Data Protection

Information on how Countrywide Vehicle Contracts Ltd will collect, process, and otherwise use your personal data can be viewed at If you would like a copy of this policy in writing, please email us at:

Why you have to provide identity and address verification details

Please be aware that our funders are required to verify your identity in accordance with the Proceeds of Crime Act 2002 and the Money Laundering Regulations 2017. If they are unable to do this, they cannot continue to transact business with you.

This document will need to be amended from time to time. A new Initial Disclosure Document will be given to you when it is required, that is when you commence new business with us or alter your existing agreement.

Whose products do we use?

As an 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.

Do we charge for our services?

We may charge a maximum arrangement fee of up to £249 VAT for our services per vehicle, details of which will be disclosed on our order form. This cost covers the costs incurred by Countrywide Vehicle Contracts in processing your finance application, finance agreement and vehicle acquisition.

We are a commission-based business which means that we may receive a payment(s) or other benefits from finance providers 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 supplier.

Who regulates us?

Countrywide Vehicle Contracts Ltd is authorised and regulated by the Financial Conduct Authority. Our firms reference number is 668850. 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.

What if you have a complaint?

We work hard to ensure that the services we offer are fair and that our communication to our customers is clear and not misleading. However, if you are unhappy with our service and you wish to register a complaint, contact us by either:


Tel: 01277 354777

or write to us at 131-133 Roman Road, Mountnessing, Brentwood, Essex, CM15 0UD

To help us resolve your problem, you should provide the following information:

1. Your full name and contact information

2. Full details of your complaint

3. Your finance agreement details if applicable

4. Details of what you would like us to do to put things right

5. Photocopies of any relevant paperwork

We will acknowledge any complaints within 3 working days and look to resolve them as quickly as possible.

If we cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

The Financial Services Compensation Scheme (FSCS)

You may also be entitled to compensation from the Scheme if we are unable to meet our obligations. This depends on the type of business and the circumstances of the claim.

Further information about compensation scheme arrangements is available from the FSCS.

Conciliation Service

You may also refer any unresolved disputes to the BVRLA:

Details should be submitted by email to:

Or by post to:

British Vehicle Rental and Leasing Association

River Lodge, Badminton Court, Amersham HP7 0DD

The BVRLA will aim to resolve the matter using the information presented by both parties to the dispute. Based on the information available, the BVRLA will provide both parties with its findings and recommendations.

The BVRLA aims to resolve complaints through the Conciliation Service within 30 days.

Terms and Conditions

These terms and conditions apply between you (the client) and Countrywide Vehicle Contracts Ltd (CVC) for the acquisition of motor vehicles via various funding methods. Vehicles are UK supplied.


The prices quoted include VAT if personal leasing and exclude VAT if business leasing. Prices also include delivery to your chosen UK mainland destination, number plate, Road Fund Licence for the term* (variations may apply*) and Vehicle first registration fee.

CVC reserves the right to change the price either before or after the client accepts any order. CVC shall notify you of such a change and you have the right to cancel your order if the change is not acceptable.


Your order of a vehicle from CVC is an offer by you. All orders are subject to acceptance by CVC, availability, manufacturer price changes, changes in finance house rates or the rate of VAT and the payment of a deposit in accordance with your accepted order. If the vehicle you have ordered is not available, CVC will contact you by email or telephone to offer possible alternatives. If the vehicle is available and CVC accepts your offer, then CVC may contact you to request payment of a deposit in accordance with your accepted order.

Our Services

CVC are an independent finance brokerage and can introduce you to a number of finance providers from whom we may receive an introductory commission.


Upon receipt of correct finance documentation and the balance of any monies due, CVC will arrange delivery of the vehicle to your chosen destination.

Registration choice is not possible unless you are supplying a cherished plate.

Delivery dates are subject to change due to delays from the manufacturer or supplying dealer.

Statutory Rights

Nothing in these conditions shall affect your statutory rights.

CVC is committed to providing the highest level of customer service. Should we fail in any way, or you have any complaint about our service, we will endeavour to resolve the issue or issues to a satisfactory resolution as promptly as possible.

For a copy of our customer complaints procedure, or if you have a compliant about our service you should email We are committed to acknowledging your complaint within 3 business days of receipt and undertaking all reasonable efforts to resolving the issue as quickly as possible.