Initial Disclosure Document
Initial Disclosure Document for SSE Vehicle Management Ltd t/a Leasehub. Last reviewed in October 2019.
As part of the financial services industry, SSE Vehicle Management Ltd is required by the Financial Conduct Authority (who regulate our industry in the UK) to provide you with an ‘Initial Disclosure Document’ to help you decide whether our services are suitable for you, to let you know more about how we make our money and what to do if you have any concerns or complaints.
We require you to accept the terms of this initial disclosure documents in order to proceed with a finance application and a vehicle order.
Who are we?
Leasehub is a trading style of SSE Vehicle Management Limited and we are registered in England & Wales, see companies house ref 10452614 and our VAT number is 256602604. Registered Office: Unit 1 The Dairy, Back Lane Farm, St Kenelms Road, Romsley, B62 0PG. SSE Vehicle Management Ltd acts a credit intermediary and authorised representative of Marshall Management Services Ltd. Marshall Management Services Ltd is authorised and regulated but the Financial Conduct Authority under FRN 848087. We are a broker, not a lender. ICO Data Protection Registration Number: ZA223080. BVRLA Membership Number: 7946. We will refer to ourselves as Leasehub throughout our website and documents.
Who regulates us?
The FCA is the independent watchdog that regulates financial services. SSE Vehicle Management Ltd acts a credit intermediary and authorised representative of Marshall Management Services Ltd. Marshall Management Services Ltd is authorised and regulated but the Financial Conduct Authority under FRN 848087. We are also members of the BVRLA (British Vehicle Rental & Leasing Agency) and our registered BVRLA Membership Number is 7946.
What products do we offer?
We offer a range of vehicle leasing facilities using a panel of carefully selected lenders and funders. We may receive a commission or payment from a lender should you decide to enter into an agreement with the finance provider that we have introduced to you. SSE Vehicle Management Ltd abide by the Financial Conduct Authority rules regarding disclosure of commission and will make this information available to customers who request it. If you would like us to disclose any potential commission we earn, please make your request in writing for the attention of the Compliance Director at the following address: Marshall Management Services LTD, Abberley View, Saxon Business Park, Hanbury Road, Stoke Prior, Bromsgrove, B60 4AD. We will only quote you on Business Contract Hire or Personal Contract Hire. Our team of dedicated vehicle finance specialists are trained to guide you through the process and to help you make an informed decision. The products we offer will not allow you to own the vehicle.
What services do we provide?
We will provide you with general information about our finance products and answer any questions you might have, and we will send you quotations based on the rates offered by our selected panel of finance providers. Throughout this process, we will ask for information regarding your personal circumstances and objectives, to help us identify your needs. It’s really important you provide us with accurate information to help us narrow down the information and offers we send you. Our team will not offer any advice or recommendation so this means you are responsible for choosing the right vehicle and vehicle finance product to meet your needs.
What are the alternative finance options available to you?
There are a number of ways to finance a new vehicle and our specialists can guide you through your options. We specialise in vehicle leasing or Contract Hire and this is suitable for a person or business who want to pay a fixed rental for the usage of a new vehicle but does not wish to own it. You will be able to tailor the contract to suit your requirements i.e. mileage/term/profile.
What will you have to pay us for our service?
If you decide to order with us you will receive a formal quotation that will be accompanied by our information notice. This document will clearly detail any fees that are applicable and payable to us.
If you cancel your order after your order has been confirmed by us, you will have to pay a cancellation fee plus any costs passed on to us by the supplying dealership. The cancellation fee amount will be specified on the information notice provided to you.
Part of our income comes from the commission received via finance companies and suppliers. We are bound by strict guidelines in this respect and the regulation is there to ensure customers are treated fairly at all times. If you are a regulated customer (individual, sole trader or small partnership) you are within your rights to request full disclosure of the commission that we earn on your contract. In order to request this simply write to us at our head office address and for the attention of the Compliance Manager and to state that you would like to receive a disclosure of commission.
Confidentiality and Data Protection
We are registered with the Information Commissioner’s Office for the purposes of Data Protection and we will not sell your information on; our registered number is ZA223060.
Throughout the process of obtaining finance for you, we will need to collect personal information from you. We work with a panel of funders, funding partners and franchise dealerships to create our offers, and we will need to share your information with them for the purposes of approving your credit application, ordering your new vehicle and arranging your delivery.
The information you provide to us will only be processed with your consent. We may be required to process this information by sharing it with the Finance Provider and the manufacturer’s supplying dealership of your vehicle for the purposes of proposing you for vehicle finance. You have the right to request the details of the supplier that we will share your information with and can do so by contacting us at 01562 546 846 or email@example.com. The finance provider may ask you to provide physical forms of identity verification or search the files of credit reference agencies which will keep a record of their search, whether or not your application proceeds. The finance provider and the credit reference agencies may also use the records for statistical analysis about credit. The personal information you provide to us may be shared with Marshall Management Services Ltd (our Principle Firm) for compliance and regulatory purposes. These reasons include but may not be limited to: audit, the processing of a contract hire finance agreement and the processing of a vehicle order. We may share the information requested of you within this form with law enforcement organisations if we suspect your finance application to be fraudulent or illegal activity pertaining to your credit application, vehicle order or other activities associated with SSE Vehicle Management Limited. By using our services and accepting the terms of this Initial Disclosure Document you agree to your information being shared in this way.
You have the right to withdraw your consent at any time by contacting your any member of our team or by contacting us at 01562 546 846 or firstname.lastname@example.org.
You have the right to request and access your personal data that we hold any time by contacting your any member of our team or by contacting us at 01562 546 846 or email@example.com.
You have the right to have inaccurate personal data that we hold rectified or completed if it is incomplete at any time by contacting your any member of our team or by contacting us at 01562 546 846 or firstname.lastname@example.org.
You have the right to request the data that we hold to be erased or “be forgotten” at any time by contacting your any member of our team or by contacting us at 01562 546 846 or email@example.com.
You have the right to request the data that we hold to be restricted at any time by contacting your any member of our team or by contacting us at 01562 546 846 or firstname.lastname@example.org.
If you have any questions regards this Use of Your Information Disclosure Document or how we handle your information, please contact us at 01562 546 846 or email@example.com.
What to do if you have a complaint
SSE Vehicle Management Limited t/a Leasehub treats complaints as an opportunity to learn and improve for the future, as well as a chance to put things right for the person or organisation that has made the complaint. Please refer to our complaints policy if you have a complaint.
If you wish to register a complaint, written complaints may be sent for the attention of Steven Gates, SSE Vehicle Management Limited, Unit 1 The Dairy, Back Lane Farm, St Kenelms Road, Romsley, B62 0PG. Alternatively, complaints may also be sent by email to firstname.lastname@example.org.