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 1031677. 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

Cleveland Vehicle Sales Ltd 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.clevelandvehiclesales.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. Cleveland Vehicle Sales Ltd 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: 01642265929
  • Post: Cleveland Vehicle Sales Ltd, Unit 1 Station Road, Terry Dickens Industrial Estate, Stokesley, North Yorkshire, TS9 7AE
  • Email: sales@clevelandvehiclesales.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

Just purchased a BMW 435 from these guys. Car was presented lovely and there was no sales pressure. Pleasure to do business with.
— Jon Griggs
I travelled from Hull to Middlesbrough to collect a car from Cleveland Vehicle Sales, and I honestly couldn’t have asked for a better experience. Unfortunately, the Halifax banking system went down on the day, leaving me unable to make payment. Instead of rushing me or leaving me to sort it out alone, the team went completely above and beyond. Kev was absolutely brilliant throughout – genuine, professional, and really supportive. Steve kindly took me to the bank and had me cracking up the whole journey, a real credit to the business. The lady in the office (whose name I unfortunately didn’t catch) was incredibly supportive and understanding during what was a very stressful situation. Despite the banking chaos, they were patient, accommodating, and dedicated to making sure everything worked out. The car itself was exactly as described, beautifully valeted and polished, and I’m absolutely thrilled with it. It’s rare to find a dealership with this level of honesty, integrity, and customer service. Cleveland Vehicle Sales are the real deal, and I wouldn’t hesitate to recommend them to anyone looking for a genuine, trustworthy car buying experience. Thank you to everyone involved!
— Sparky
Everything went so smoothly, I had a few issues on my end and he was so patient with me while sorting it out, and I love my new car. Would happily buy my next car from here ☺️
— Lennie Hodgkinson
Kev is a great salesman, no pressure to buy, doesn’t charge a admin fee, went above and beyond with the service he provided, thanks very much for your time and the cuppa, couldn’t recommend enough.
— Ben Alderson
Absolutely A+++ Purchased my dream car - a beautiful Mercedes Benz S Class from Cleveland Vehicle Sales. I want to say if you are thinking of purchasing a car do not hesitate for one second. This has been by far the BEST buying experience I have ever had. The team prepared the car with an immaculate Valet. Had the car ready for me. The process was smooth easy and got on very well with all the team there. The after sales care is absolutely amazing and i cannot recommend this company enough to buy a vehicle from Absolutely A+++
— Hardy
I called in yesterday and purchased a bmw 3 series. Kevin was very friendly, honest and helpful. I would recommend this garage to anyone looking to buy a car.
— Richard Bunting
Kev’s customer service was second to none. I would fully recommend purchasing a car from him as he goes above and beyond to ensure everything goes smoothly. I drove 4 hours to get a vehicle and it was exactly as described with Kev sending multiple videos through to help.
— j0rdyb33
well what can i say about buying a car from Kevin , the process from start to finish was a pleasure , i bought this car for my girlfriends birthday and had to keep it a secret for a while and Kev was brilliant he really could not do enough for us , i would have no worries buying another car from him and also such a lovely guy , Thanks Kev
— John Ogden
Friendly helpful and honest I bought an S3 in immaculate condition I am a lot more than happy with it and you can tell all the cars there well maintained quality products out of 5 6 stars for me
— Martin Apperley
1st class experience from viewing the cars ,to test driving and purchasing . Nothing was a problem and after sales service was top notch and if I see the car I fancy on his website I will go through the whole process again quite happy in the knowledge of the previous experience. Many thanks
— Keith Taylor
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