Initial Disclosure Document

Our business is committed to treating our customers fairly and ensuring our products and services are suitable for their needs. Treating Customers Fairly (TCF) is a core part of our culture and philosophy and you can review our commitment to it by asking for a copy of our TCF policy statement.

You may be able to obtain funding for your purchase from other providers and you are encouraged to seek alternative quotations and details of their products by researching on the high street, in the media and online.

You will not make any payment to us for processing a nance or hire application or
for introducing you to a nance or hire provider. All charges that you will pay including, interest, documentation fees or rentals, where applicable, will be clearly shown on the nance or hire agreement. We may receive a commission payment
from the nance or hire provider if you decide to enter into an agreement with them. You can request us to disclose the amount of any commission received.

You should carefully consider the amount of time you need to review the information and documentation with which you have been presented, and ensure you understand your commitments under the agreement. You should also consider if it is advisable for you to have someone you know to help you make your decision. This is particularly important if you have any health issues, difficulty in understanding information, or there have been any recent life events that could affect your ability to fully understand the information and documentation. Please advise us if this is the case and we can then proceed with your requirements in the most appropriate way.

You should assess the monthly payments you are required to make throughout the
agreement and ensure you are able to meet these and other obligations you already have without suffering undue hardship. If you are aware of any future events that will affect your ability to meet these payments, you should ensure the finance provider is informed immediately.


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.

Lillian Stanley Financial Services Limited trading as Lillian Stanley is authorised and regulated by the Financial Conduct Authority; registration number 838153. Lillian Stanley Financial Services Limited address is 12 Warwick Street, Coventry, CV5 6ET.

You can check this information on the FCA register by visiting www.fca.org.uk/register or by contacting the FCA on 0800 111 6768

If you wish to register a complaint, please contact us:

• in writing: Lillian Stanley Financial Services Limited, 12 Warwick Street, Coventry, CV5 6ET
• by telephone: 0121 827 8827
• by email: [email protected]

If you would like to know how we handle complaints, please ask for a copy of our complaints handling process. If you cannot resolve a complaint with us, you may be entitled to refer it to the Financial Ombudsman Service whose contact details are set out below:

• in writing: The Financial Ombudsman Service, Exchange Tower, London E14 9SR
• by telephone: 0800 0234567
• by email: [email protected]
• website: www.financial-ombudsman.org.uk

Throughout the process of administering services for you we will need to collect personal information from you and pass this information to one or more third party organisations in order for them to supply any services you request. This may include passing this information to one or more potential lenders or credit brokers to enable them to make a credit decision. These lenders may use your information to conduct an aordability and credit worthiness assessment and will do so using the consent given by you. This may include sharing your information with credit reference agencies and other companies for use in credit decisions and fraud prevention. For full details of where your information will be sent, and the purpose for doing so, or to cancel your consent for the processing of your personal data, please contact us. In cases where your initial application may be refused by the most suitable lender, your application may be referred to other lenders or credit brokers who may also share information with credit reference agencies in order to assess your application for nance. Those lenders or credit brokers will not use your personal information to provide you with promotional or marketing material, unless you opt-in to receive this material directly with them. A copy of our privacy policy, which details how your information will be processed and your rights, is freely available upon request. To request this information please contact us:

• in writing: Lillian Stanley Financial Services Limited 12 Warwick Street, Coventry, CV5 6ET
• by telephone: 0121 827 8827
• by email: [email protected]