Initial Disclosure

Who regulates us? The Financial Conduct Authority (FCA)

The FCA is the independent watchdog that regulates Financial Services. Use this information to decide if our services are right for you. Please take the time to read this important document as it explains the financial services you are being offered and how you will pay for them.

For Finance: Bella Cars Limited trading as VIP45 is regulated by the Financial Conduct Authority for consumer finance. Our Interim Permission number is 643132. Our business is permitted to arrange finance contracts.

For Insurance: Bella Cars is non advised and you will not receive advise or recommendation from us on insurance products. You can check this on the FCA Register by visiting the www.fca.org.uk/registeror by contacting the FCA directly on 0845 60612340845 6061234.

Products and Service Finance: As a licensed credit broker we can introduce you to a limited number of lenders (a list is available on request) who may be able to help you finance your purchase. This group of lenders provides us with a range of products which may be suitable for your purchase. We will explain the key features of those products to you. We are not Independent Financial Advisers and so are unable to provide you with independent financial advice. There are also other sources of finance which you may wish to investigate. There is no fee for this service. We may receive a payment (s) or other benefits from finance providers should you decide to enter into a finance agreement with them via us.

What to do if you have a complaint:

We aim to ensure that all of our customers are happy with the services we provide and their product purchase. If, however you have any cause to make a complaint you should contact us either in writing or by telephone. If you wish to register a complaint, please contact us:

For Finance (Consumer Credit) Complaints:

In writing to: Complaints, VIP45, C/O Bella Cars, Halifax Road, Huddersfield, HD3 3BS. By phone: 07902959818. If we cannot settle your complaint, you may be entitled to refer it to the Financial Ombudsman Service.

Data Protection

Your personal data is held in accordance with the Data Protection Act 1988. Some or all of your data that you supply to us in connection with your finance or insurance proposal will be passed to insurers and other companies in order to operate your contract (for example underwriting, premium collection, claims handling). We will pass your details to our partners in order to offer some forms of finance. Please let us know if you do not want to be contacted in connection with insurance.