What is an Initial Disclosure Document?

The Financial Conduct Authority (FCA) is the independent regulator of financial services. The FCA require us to provide you with a document called an 'Initial Disclosure Document'. This document provides information about us, the products we offer, the services we will provide, what we charge for our services, who regulates us and what to do if you have a complaint.

Who regulates us?

We are authorised and regulated by the Financial Conduct Authority for credit brokerage. Our FCA number is [FCA number]. You can check this on the FCA's website www.fca.gov.uk/register or by contacting the FCA on 0300 500 8082.

Treating customers fairly

FS Cars is committed to ensuring that the FCA principle of treating customers fairly (TCF) is applied in all areas of our day-to-day business activities. We aim to ensure that the TCF principle is embedded and rooted in everything that we do. This principle underpins how we operate and function as a business.

Which service will we provide you with?

We offer a non-advised service, meaning we cannot give you advice or a recommendation on products. But in assessing your application we will ask you for information to enable us to identify your needs and present a selection of products relevant to your requirements. You will then need to make your own choice about how to proceed. You will receive the pre-contract credit information which will detail the Terms & Conditions of the product you have chosen and advise you about any other fees and interest relating to the product.

What products do we offer?

We offer a limited number of finance products from a selected panel of lenders. Customers can view these products on our website https://www.fscars.co.uk/ or through talking with a member of staff in our showroom. We would advise you to consider your options and decide if they meet your requirements. FS Cars is a credit intermediary, not a financial advisory service nor a lender.

What will you have to pay us for our services?

We do not charge a fee for the introduction to the finance provider.

Commission Disclosure

We will typically receive a commission payment from the finance provider if you decide to enter into an agreement with them. The amount of commission can be made available to you upon request over the phone and/or in writing.

Suitability and Affordability

We aim to support and tailor our service appropriately to those customers who may be particularly vulnerable due to their current circumstances or recent life events. If you have a disability, physical or mental health condition, feel vulnerable due to a change in personal circumstances, or just need extra support please let us know and we will do our best to help you. You should make sure you have sufficient time and support to assess the information given to you and ensure the funding option offered is suitable for you and meets your requirements. If you are unsure, please don't hesitate to ask us for further explanations, help and support.

It is important that you only enter into an agreement if you can comfortably afford the repayments. You should assess the monthly payments you are required to make throughout the term of the agreement and ensure you can meet these and other current obligations without suffering undue hardship. If you are aware of any changes in your life or your household circumstances that may affect your ability to maintain your loan repayments, please make us aware. 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.

What to do if you have a complaint

If you wish to make a complaint, the first step is for us to understand your complaint. You can contact us by:

  • Phone: 07871132902
  • Post: FS Cars, FS Cars Limited, 226 Dogsthorpe Road, Peterborough, Cambridgeshire, PE1 3PB
  • Email: info@fscars.co.uk

Please provide your name and a contact number where we can reach you between the hours of 09:00–17:00 Monday to Friday.

We will promptly acknowledge your complaint in writing, investigate your complaint and endeavour to send you a final response within 8 weeks of receipt of the complaint. If we are unable to provide you with a final response within this time, we will send you an update. If you are not happy with our response, and you are an eligible complainant, you can escalate your complaint to the Financial Ombudsman. You must do so within six months of the date of the final response letter. You can contact them:

  • By phone: 0800 023 4567
  • By post: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR.
  • By email: complaint.info@financial-ombudsman.org.uk

What our customers say about us

Our Reviews

I was very happy with the service I received from FS Cars. The communication was excellent and no problem with arranging a late viewing in the evening. The communication, transparent, and never made me feel pressured. They answered all my questions clearly and made the financing process smooth and straightforward. I am thrilled with my new (second hand) car and highly recommend this dealership to anyone looking for a stress-free buying experience.
— Carol Challinor
Really friendly and helpful guys. Brilliant car. Good service from start to finish
— Pippa Hutchinson
Bought an Audi A3 from FS Cars. Nasir was incredibly helpful and very friendly. The car was as advertised. All in all a really positive experience.
— Ken Hamilton
Recently brought a car from these guys, Amazing service from start to finish! Answered all my questions swiftly and promptly. Nice line up of cars, all tidy and well prepared. Will definitely be returning! Thanks guys
— Ayan Hussain
I bought a Mazda 3 from FS Cars last weekend, very pleased with the car and the whole process. The salesman was not pushy at all which I like, just really friendly and knowledgeable, was really helpful and patient helping me get through all the documentation as well.
— Professorgascan
The car was bought as described, which was good quality and a fine price. Not only that, the minor fixes they said they’d do before I collected the car were done and they covered the cost of the one outstanding repair that I had to cover off after sale. Highly recommended. A rare instance of a car vendor you can trust.
— Graeme Austin
I had a great experience purchasing my car from Nasir. The entire process was incredibly fast, and from the moment I spoke with him to meeting in person for the car inspection, I could immediately sense his honesty. Even after the purchase, the support I received was encouraging and made me feel confident in my decision. I would definitely recommend him to others looking for a trustworthy car dealer.
— Ayomide Ogunseitan
We purchased a car from FS cars and I can honestly say these guys are customer service focused. We had a couple of issues with an engine warning light comming on a few days after purchase, FS cars were always contactable, rang back when they said they would and rectified the issues to our satisfaction. I can 100% recommend FS cars.
— David Beeson
I bought my Honda Jazz from Mr. Nasser five months ago, and I couldn’t be happier with the experience. He was helpful and professional from the very beginning. He even delivered the car to me over 100 miles away for a fair charge, which I really appreciated. Even after the purchase, he has remained responsive and always offers helpful advice. Highly recommended!
— Sudarshana Bandara
Fiat 500 Automatic. We met this very presentable and accommodating man in Peterborough to find a car for my daughter. He was very patient with her and answered every question she had. We are very pleased with the service we received and we couldn’t be happier. The gentleman was very professional and honest and took the time to meet us twice after we had to arrange payment and return the next day. We have had the car a week now and my daughter couldn’t be happier with it. We have peace of mind with the warranty and it was very easy to do business with this company. We couldn’t be happier and we couldn’t have asked for an easier more professional experience
— John Donbavand
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