United Vehicle Leasing

Initial Disclosure Document

About Us

We are Smart Leasing Manchester Limited trading as United Vehicle Leasing. Smart Leasing Manchester Limited is a company registered in England no 12276519 whose registered office is at 27 Dundonald Road, Cheadle Hulme, Cheadle, SK8 6LL and trading address is at Building 67 Europa Business Park, Bird Hall Lane, Cheadle Heath, Stockport, Cheshire, SK3 0XA.

We are a Franchisee of the Bridle Group which is a trading division of Hanborough Enterprises Ltd to whom we introduce our business under our Franchise Agreement. We are an Appointed Representative of Hanborough Enterprises Limited who is authorised and regulated for consumer credit activities and insurance distribution by the Financial Conduct Authority. Our Firm Reference Number is 922926. Hanborough Enterprises Limited’s Firm Reference Number is 631448. You can check this information at www.fca.org.uk

Smart Leasing Manchester Limited is registered with the Information Commissioners Office for the processing of data under The Data Protection (Charges and Information) Regulations 2018. Our Data Protection registration number is ZA592802. You can check this information at www.ico.org.uk

We are a credit broker for vehicle finance. We are not a funder or lender.

Our Services

We are a vehicle finance broker and offer a range of vehicle finance products and services. We are not a funder or a lender. We provide a service of providing information regarding the products offered by our funders and introducing you to them for the provision of finance. We do not provide independent financial advice. We may be paid a commission for introducing you to a funder. Our commission amount is capped at a percentage of the taxable list price of the vehicle. We may also receive an extra amount based on how much business we give to the lender and the quality of the business that we introduce to them. The higher the amount that we receive in commission, the more you will pay to hire or finance your vehicle. You may have the right to ask us to disclose the amount that we will receive from providing our service and details of this can be obtained by calling us or referring to our Commission Disclosure Policy on our website.

We only offer products from a limited number of insurers for:

  • Combined Guaranteed Asset Protection and Return to Invoice Insurance through AutoProtect MBI Ltd, General Insurance Distribution Ltd and Rest Ashored Ltd
  • Lease Guaranteed Asset Protection Insurance through AutoProtect MBI Ltd, General Insurance Distribution Ltd and Rest Ashored Ltd
  • Paint and Bodywork Protection (SMART) Insurance through AutoProtect MBI Ltd, General Insurance Distribution Ltd and Rest Ashored Ltd

General Data Protection Regulation

During the process of obtaining finance for your vehicle, we will need to collect personal information from you and this will be passed on to one or more third-party lenders to enable them to make a credit decision. We will also need to pass personal data to vehicle, insurance, and maintenance suppliers following acceptance of finance and your order and within our company Group for reporting purposes. We will not disclose your personal details outside of this unless we have your express permission. For full details please see our Privacy Policy at www.unitedvehicleleasing.com/privacy-policy

Charges for our services

We make a charge for the service that we provide:

New Orders

We will charge an administration fee of £285.00 including vat (£237.50 plus vat) for our Brokering Services when you place an order.

Order Cancellation

We will charge a cancellation fee of £600.00 including vat (£500.00 plus vat). 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. Please note that the supplying dealer of the vehicle may also levy a cancellation charge and we will notify you of this within 2 working days of your cancellation.

Reschedules

We will charge an administration fee of £114.00 including vat (£95.00 plus vat) for our services when we arrange a reschedule of your agreement. Please note that certain rules apply as to when a reschedule may take place and not all funders will reschedule an agreement. Please speak to us if this may be important to you.

Extensions

We will charge an administration fee of £114.00 including vat (£95.00 plus vat) for arranging the extension of your agreement.

Invoices in respect of our fees are issued on our behalf by our Franchisor and are payable within 7 days. Payment may be made either online using a debit card or by direct bank transfer

Complaints

Our Customers are extremely important to us and whilst we aim to provide a trouble-free and excellent level of service, we know that sometimes things go wrong. If you have cause to complain, we take any complaint very seriously and promise to deal with it promptly, effectively, and in a positive manner.

A complaint may be made to any member of our staff who will record the following details on our Customer Complaint Record, and send you a copy of our full complaints procedure which may also be found on our website www.unitedvehicleleasing.com/complaints-procedure

  • Name, Address, Telephone Number, and Email Address (if appropriate) of the complainant
  • Date of complaint
  • Details of the complaint

You may notify us of your complaint by

Phone: 0161 791 0101

Email: info@unitedvehicleleasing.com

Writing to: Smart Leasing Manchester Ltd, Building 67 Europa Business Park, Bird Hall Lane, Cheadle Heath, Stockport, Cheshire, SK3 0XA

Alternatively, you may wish to contact our Franchisor. You may do this by calling 01993 222865, by emailing franchiseeservices@bridlegroup.co.uk, or by writing to Bridle Franchise, Bridle Group, Tamarisk House, North Leigh Business Park, North Leigh, Witney, Oxfordshire, OX29 6SW.

Please speak to us if you are unsure of the contents of this Initial Disclosure Document.