Initial Disclosure Document
The FCA is the independent regulator of financial services. The FCA Require us to provide you with an Initial Disclosure Document to help you decide if our services are right for you.
This document explains how VIP Gateway Limited ("we", "us", "our") will provide credit broking services to you and outlines key information you should consider before proceeding.
It is designed to ensure you understand our role, the services we offer, what we charge for our services, how we are paid, who regulates us, how to raise a complaint if you are dissatisfied and any details regarding the Financial Services Compensation Scheme.
About VIP Gateway
VIP Gateway Limited is a credit broker, not a lender. We are authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 619198. You can check our details on the FCA Register at www.fca.org.uk/register or by contacting the FCA on 0800 111 6768. We are a broker member of the British Vehicle Rental and Leasing Association and abide by their Code of Conduct. For further information visit www.bvrla.co.uk. We are permitted by the FCA to carry out credit brokering, debt administration and debt counselling.
Registered Office: 1 Spring Court, Spring Road, Hale, Cheshire, WA14 2UQ
Company Number: 08919886
VAT Number: 206689977
Data Protection Registration: ZA158071
Contact:
Phone: 0161 884 5107
Email: [email protected]
Website: www.vipgateway.co.uk
Our services
We act as a credit broker and will introduce you to a range of finance companies who can help finance your vehicle and provide any other products and services that you may require including service packages and vehicle maintenance. We work with some of the UK's most trusted finance companies to help you secure the best deal. We'll source the vehicle on your behalf which will be the subject of your finance agreement from our preferred selection of main dealers. We'll also inform you of ancillary products which may be of interest to you, such as maintenance packages.
You will not receive any advice or recommendations from us in relation to credit. We may ask you certain questions to assist us in narrowing down the selection of products that we will provide you details on. We may use this information to conduct a credit search to assess your eligibility for credit products. You will then need to make your own choice about how to proceed. Once we submit your application to a third-party credit provider, they may conduct a hard credit search which can negatively impact your credit score. We will always provide you with both the advantages and disadvantages of the product types that are available to you.
We do not offer finance from lenders outside our panel unless you specifically request otherwise.
The credit broking services we provide
We will provide you with either comparable details of firms most appropriate to your funding requirements or general information relating to finance products. To assist us in assessing your needs, we may seek relevant information about your personal circumstances and objectives to enable us to identify the best possible solutions applicable to you.
Products On Offer
For regulated products
We are only able to offer finance products from our affiliated providers. Credit agreements offered to private individuals or natural consumers are protected under the Consumer Credit Act 2006. Any complaints you have relating to regulated finance products afford you the right to contact the Financial Ombudsman Service (FOS), who offer impartial advice free of charge.
For unregulated products
Unregulated products such as finance with limited companies, or non-insurance warranties, are not regulated by the Financial Conduct Authority (FCA) and therefore are not under the remit of consideration from the Financial Ombudsman Service (FOS). These products are not regulated under the Consumer Credit Act 2006.
Can we give independent financial advice?
We are NOT independent financial advisers and so are unable to provide you with independent financial advice due to the fact that we will receive a commission payment for any successful application we introduce to a finance company (see below).
The charge for our Credit Brokering Services
VIP Gateway Limited charge a fee for our credit brokering services.
We charge a fee of up to £384.99 including VAT for our services. The processing fee is the broker fee for our service and represents the costs incurred for arranging the sale, ordering the vehicle, arranging the finance, and organising delivery of the vehicle. This processing fee is payable by debit or credit card or by BACs payment and is taken once finance approval has been received and you chosen to proceed, along with all relevant paperwork signed by you instructing us to place an order on your behalf.
Commission Disclosure
We have a commercial relationship our panel of finance companies, the introduction we make is not impartial, but we will make introductions in line with your needs, subject to your circumstances.
Commission may be a pre-set fixed amount or may be calculated using a pre-determined method agreed with the relevant finance provider. The amount we receive may vary depending on the finance provider, product or commercial arrangement.
The amount may vary depending on:
The finance provider selected
The product chosen
The volume of business placed
Service quality or performance agreements
For your reassurance, the lenders and brokers we work with may pay us a commission to introduce you to them. Commission levels can vary between lenders, meaning the amount we receive may differ depending on the product or lender selected. This has the potential to create a conflict of interest, so we provide this information to ensure full transparency and to support you in making an informed decision.
In some instances, we may receive a commission from the vehicle supplier. These payments could be reflected in the monthly lease rate that you pay for your vehicle. The amount of commission received may vary depending on the funder or supplier selected, the terms of the funding and other criteria, such as achieving high levels of customer service. Some funders or suppliers may also pay us an additional commission based on commercial volumes and marketing support. We will disclose the commission amount we receive and the finance company providing the payment prior to sending your finance agreement and will ask for your consent to proceed. You may also be required to sign a document confirming your acceptance and understanding of this disclosure.
If you would like more information regarding the disclosure of commissions, please email [email protected] or visit our commission disclosure document.
Order Cancellation
If you are a regulated customer, you have the right to cancel the order within 14 days from the date of order without penalty in accordance with the Consumer Contracts Regulations. A cancellation received after 14 days will result in a cancellation fee of £300 + VAT. Please note that the supplier of the vehicle may also levy a cancellation charge and we will notify you of this within 2 working days of your cancellation.
Important risks of finance
You should carefully consider the following before entering into a finance agreement:
You will be required to make payments for the full term of the agreement even if you no longer use the vehicle
Early termination may result in additional costs or termination fees
You may be required to meet maintenance and condition obligations
Failure to meet payment obligations may impact your credit rating
Vehicle suitability
Before proceeding, you should ensure the vehicle meets your needs, including specification and transmission type.
We recommend that you inspect or test drive the vehicle before placing an order.
Diesel vehicles may be fitted with a Diesel Particulate Filter (DPF), which requires regular use at higher speeds to regenerate effectively. Failure to follow manufacturer guidance may result in additional maintenance costs not covered under warranty or maintenance packages.
If you choose a non-maintained contract, you are responsible for all servicing and maintenance in line with the manufacturer's recommendations.
Complaints procedure
We aim to provide a high standard of service. However, we do recognise that things may occasionally go wrong, and you may feel you have cause to complaint. Receiving your feedback is important to us as it enables us to learn from any mistakes and, where possible, to improve our service. You can raise a complaint with us by email, phone or letter using the following contact information:
In writing: VIP Gateway Limited, 1 Spring Court, Spring Road, Hale, WA14 2UQ
By telephone: 0161 884 5107
By email: [email protected]
When submitting a complaint, please include:
Your full name and contact details
Details of your complaint
Your agreement or reference details
Any supporting documentation
We will acknowledge your complaint promptly and aim to provide a final response within 8 weeks.
If you are not satisfied with our response, you may be entitled to refer your complaint to:
The Financial Ombudsman Service (FOS), or
The British Vehicle Leasing and Rental Association (BVRLA), where applicable
Data protection
We will process your personal data in accordance with applicable data protection laws.
To facilitate finance applications, your details may be shared with lenders and credit reference agencies. This may result in a credit search being recorded on your credit file.
We will only use your data for legitimate business purposes connected to your enquiry or agreement.
Consent and acknowledgements
By proceeding with our services, you acknowledge that:
We are acting as a credit broker, not a lender
You understand commission will be payable to us which will be disclosed before you sign your order form and proceed with your agreement.
You consent to us sharing your information with selected finance providers for the purpose of arranging finance
Additional Assistance
If you have any communication requirements or additional needs that we need to be made aware of, to ensure your journey with us is as smooth as possible, please get in touch using the details below or speak to your account manager. All information shared will be held confidentially and in line with our privacy policy.
Email: [email protected]
Phone: 0161 884 5107
Website: www.vipgateway.co.uk
The Industry Body - The British Vehicle Rental & Leasing Association (The BVRLA)
VIP Gateway are a member of the industry trade body, the BVRLA (British Vehicle, Rental and Leasing Association). All BVRLA leasing brokers must adhere to their mandatory Code of Conduct, which is there to ensure that the customer benefits from the highest standards of service, fair terms and conditions, transparent and accurate information, and a complaint resolution service. In addition, all broker members are audited or inspected to BVRLA standards. If you have had a complaint and are not satisfied with the outcome of your complaint, we have provided a link to the BVRLA conciliation service where further information is provided about this service - http://www.bvrla.co.uk/advice/guidance/using-bvrlas-conciliation-service.
Further information on Initial Disclosure
This version of our Initial Disclosure document has been updated with effect 16th of July 2026. For more information on this or previous versions of this document please email [email protected]