Mon to Fri: 09:00 – 17:30

0161 406 3936

Initial Disclosure

Initial Disclosure

Further Information About DSG Financial Services Limited

DSG Financial Services Limited is authorised and regulated by the Financial Conduct Authority, we are a credit broker, not a lender. The Financial Conduct Authority (FCA) is the independent regulator of financial services and consumer credit firms. Please use this information to decide if our services are right for you. You will not receive advice or a recommendation from us for finance products, however we may ask some questions to narrow down the selection or products that we will provide details on. You will then need to make your own choice about how to proceed.

Can you please take the time to read this document, it will help explain more about what we do and the service we provide. We are: 

DSG Financial Services Limited t/a
Unity House
Bird Hall Lane

This is our Head & Registered office address. We are registered in England under company number 02313903. 

Our Financial Conduct Authority authorisation number is 649675. 

We are a member of the BVRLA (British Vehicle Rental & Leasing Association). Membership Number: 1454. 

We may ask some questions to narrow down the selection or products that we will provide details on. You will then need to make your own choice about how to proceed. 

Your Finance Options 

As an authorised credit broker, DSG Financial Services Limited can introduce you to a selected group of lenders 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 will receive payment from the finance company for introducing you to them. In most cases, it is not a requirement of the sale to finance a vehicle purchased through the finance companies to which you are introduced. 

You can view our Commission Disclosure Policy policy here.

We are not Independent Financial Advisors or Tax Advisors and any introduction to a finance company or product does not amount to independent financial or tax advice. We encourage you to seek independent professional advice regarding these matters.  If at any point, you do not wish us to continue to find a suitable lender for your needs, please contact us. We arrange a suitable finance option for you in accordance with the information you provide to us, other finance options are available, you can find detailed explanations about these on our website. If you require any clarifications, please contact us and we will be happy to help. 

Cancellation Fees 

We reserve the right, in relation to business customers entering non-regulated agreements, to charge a cancellation fee as set out in our Terms and Conditions, of £500 VAT for services already provided. This charge will increase if further charges are imposed on DSG Financial Services Limited by our supplier, for example if a car has been specifically ordered to your own specification. 

Confidentiality and Data Protection 

DSG Financial Services Limited, together with our finance partners will store your information. We may share this information with our group companies. Your information will only be disclosed to third parties in the normal course or arranging and administering any finance contract(s). 

We or they may contact you by post, telephone or email to let you know of products, services and special offers that may be of interest to you or we may ask you to participate in one of our customer satisfaction surveys. You have the right to ask for a copy of your information held by us in our records in return for payment of an administration fee. You also have the right to require us to correct any inaccuracies or errors in your information. If you have previously provided your consent for the processing of your personal data, but later change your mind, please contact us using the contact details above. 

Credit Report Searches 

If you proceed to use our services, you authorise us and the lender(s) to which we submit your application to make all enquiries necessary to verify information to enable them to consider your application. We will endeavour to ensure that the number of lenders receiving your application is kept to a minimum, however there will be occasions where multiple searches of your credit file are required before a suitable lender is found. The lender(s) will make enquires with Credit Reference Agencies to verify the information that you provide. It is important that you give us accurate information. The lender(s) will check your details with fraud prevention agencies and if false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information. Other organisations may also access and use this information to prevent fraud and money laundering. If you have made an application as a Limited Company, then the listed Directors of the business may also be searched in the same way a private individual. 


Once we have provided you with a quotation in relation to your chosen vehicle, please ensure that you check this to confirm you are satisfied with the vehicle itself, the finance product and any associated fees. The explanations below may help you in fully understanding the quotation provided: 

Vehicle : This details the manufacturer, model, version and engine type of the vehicle you have selected. You may, for example, wish to satisfy yourself that the particular engine or fuel type you have selected is suitable for your intended use. 

For example, Diesel engines may not be suitable for predominantly short journey use due to the characteristics of the Diesel Particulate Filter (DPF) used in such engines, therefore it is important that you check the type of particulate filter on any diesel car with an urban drive-cycle and make sure it's suitable, otherwise consider a different fuel type or vehicle technology. 

The vehicle handbook will have specific guidance for the vehicle. If traffic conditions and speed limits do not allow the vehicle to be driven so that the filter regenerates, it must be returned to a dealer for a forced regeneration to clear the filter. If the warning light is ignored and the vehicle is driven without regenerating the filter, it will cause damage to the vehicle, which will not be covered by warranty or our maintenance agreement. We are aware of customers in the UK who have incurred costs in the region of £1,000 to £1,500 after a driver has failed to follow the correct regeneration process. Further information is available on vehicle manufacturer websites. 

View our article here for more information about Fuel Type Suitability

Pre-registered vehicles : We often supply vehicles that have already registered as part of a bulk deal, these vehicles will be supplied the remainder of the manufacturer warranty and breakdown cover from the date that the vehicle was first registered. In addition, the service schedule and three-year MOT period will have been activated. 

Annual mileage: This details the mileage limitation on your chosen contract, this should be based on the number of miles you anticipate covering. 

Term: This means the length of the contract, e.g. 36 months. 

Initial rental: This means an advanced payment which covers the first specified monthly payments under the agreement. Your initial rental could represent, for example 3, 6 or 9 monthly payments. This is not a deposit and will not be refunded at the end of the contract. 

Monthly rentals: This means the amount you pay each month for use of the vehicle. Personal contract hire agreements include VAT at the prevailing rate in place at the time. 

Total rental: This means the total amount you will pay each month when all costs are considered. This will include any optional extra such as maintenance costs. 

Maintenance: It is your responsibility to maintain the vehicle in accordance to the Manufacturer's guidelines. Failure to do so could invalidate the warranty and occur costs at the end of the contract. Unless specified, all agreements are customer maintained. Subject to the agreement type, we can offer optional maintenance contracts to help spread the cost of maintaining your vehicle over the term of your agreement, please ask for more details. If selected, we will show the cost of any maintenance package which forms part of your agreement. These packages can range from a service only pack, to an all-inclusive agreement that covers all routine servicing, wear and tear maintenance and replacement tyres. 

Road Tax/Vehicle Excise Duty (VED): Most of our vehicles include road tax coverage for the length of the agreement, we will provide you with advice in relation to this during your application. On certain agreements, the road tax will be charged annually and collected by direct debit. 

Excess mileage: This refers to the costs you will incur if you exceed the agreed mileage limitations under the agreement. Costs are expressed in pence per mile. Certain finance companies have tiered rate, on certain agreements your annual mileage can be reviewed to help avoid these costs. 

Delivery Dates: We will provide you with the most accurate information possible regarding the anticipated timescales for delivery of your vehicle. Whilst we will always endeavour to ensure this information is accurate, quoted delivery dates are subject to change due to manufacturer production dependency. We will always keep you updated on any changes we become aware of regarding delivery times, however you should be aware that we do not have any control over these factors and as such only ever offer an estimated date. 

Price: We will always ensure, as far as is possible, that the price we quote is accurate. However, our finance lenders do amend prices at short notice, and in these situations, we reserve the right to similarly amend our quoted price to you. We will always contact you in these circumstances to seek your consent to continue with your order. If you do not wish to agree to any amended pricing, we will cancel your order at no cost. 

Taxation: All new orders will be taken based on the current taxation rates, we have no control over items such as VAT and import duty.  If these change then the revised rates will be applied to the order accordingly.

Complaints:  We always aim to provide the best possible service, however if you have any cause for complaint, this can be raised by either email, in writing or by telephoning the Compliance Department, DSG Financial Services Limited, Unity House, Bird Hall Lane, Cheadle, Stockport, Cheshire, SK3 0UX, 0161 406 3936. Should you remain dissatisfied you have the right to ask the Financial Ombudsman Service to review your case. You should write to the Financial Ombudsman Service, Exchange Tower, London, E14 9S4. Alternatively, telephone 0800 023 4567.