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?

Xenon Automotive is authorised and regulated by the Financial Conduct Authority 951862

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 (TCF)

Xenon Automotive is 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

precontract 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 telephone calls may be 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. You can

request a copy to be sent by email or post. We would advise you to view these to ensure you

are satisfied that the product you have chosen meets your requirements. Xenon Automotive

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.

Commission Disclosure

We will receive a commission payment from the finance provider if you decide to enter into

an agreement with them. 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

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

can contact us by: • Phone: 07877274498 • Post: Xenon Automotive , Unit 12 blenheim

court, brownfields , AL7 1AD• Email: Leads@xenonautomotive.co.uk - 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:

complaint.info@financial-ombudsman.org.uk

Address

Xenon Automotive, Unit 12 blenheim court , brownfields, Welwyn Garden City, AL7 1AD,

Company number; 13254000, ICO number; ZB118322 and FCA 951862•

We can introduce you to a limited number of lenders who might be able to finance your purchase. We will only introduce you to these lenders.

You may be able to obtain finance for the purchase from other lenders and we encourage you to seek alternative quotations.

We Xenon Automotive ltd, may receive a commission payment for introducing you to a lender. This could be a fixed amount or a fixed % of the lend. You may request the disclosure of this amount.