Initial Disclosure Document

Who are Rivervale?

Company Information

Rivervale Cars Limited - registered in England where our Company registration number is 4898201.

Rivervale Minibus Limited - registered in England where our Company registration number is 3723474.

Our company VAT number is 429 276 374.

Trading Names

We also trade as:

• Rivervale
• Rivervale Leasing
• Rivervale Vehicle Contracts
• Rivervale Contracts
• Rivervale Contract Hire and Leasing
• Rivervale Cars Prestige
• Rivervale Cars
• Business Car Contracts
• Rivervale Fleet Management
• Rivervale Fleet
• Rivervale Prestige
• Rivervale Minibus
• Rivervale Finance
• Rivervale Performance Motorcentre
• Rivervale Approved Used
• Rivervale Maxus
• Castle Vehicle Leasing
• Castle Minibus
• OSV
• 1st Choice Vehicle Finance

Contact Details

Registered Office: Rivervale House, 50 Victoria Road, Portslade, Brighton, BN41 1XB

Telephone:

• Rivervale Cars Limited - 01273 433480
• Rivervale Minibus Limited – 01869 253744

Email: info@rivervale.co.uk

Memberships

We are members of the British Vehicle Rental and Leasing Association (BVRLA):

• Rivervale Cars Limited: 1456
• Rivervale Minibus Limited: 1703

Rivervale Cars Limited and Rivervale Minibus Limited are a Credit Broker not a Lender.

Who regulates us?

Rivervale Cars Limited

Authorised and regulated by the Financial Conduct Authority for consumer credit activities (Firm Reference Number 687598).

Appointed Representative of AutoProtect (MBI) Limited for Insurance Mediation (Firm Reference Number 312143).

Rivervale Minibus Limited

Authorised and regulated by the Financial Conduct Authority for consumer credit activities (Firm Reference Number 734354).

You can check this on the FCA Register by visiting www.fca.org.uk or by calling 0300 500 8082.

What services do we offer?

We can provide information on the following:

• Hire Purchase (HP)
• Personal Contract Purchase (PCP)
• Business Contract Purchase (BCP)
• Lease Purchase (LP)
• Finance Lease (FL)
• Personal Contract Hire (PCH)
• Business Contract Hire (BCH)

We deal with multiple funding partners and a list is available upon request. All products are available via both Rivervale Cars Limited and Rivervale Minibus Limited.

Fees

• Rivervale Cars Limited charges a £262.80 (£219.00 + VAT) processing fee for each order. This fee covers vehicle delivery and order fulfilment and will be confirmed on your vehicle order form.
• No processing fees are charged for used vehicle purchases by Rivervale Cars Limited.
• Rivervale Minibus Limited does not charge any processing fees.

Commission Disclosure

Rivervale Cars Limited and Rivervale Minibus Limited operate as leasing brokers and used vehicle retailers. We are brokers, not lenders, and do not provide independent financial advice.

We receive commission and/or bonuses for introducing customers to leasing companies or finance providers. This may be pre-set, vary, and impact the amount payable by the customer.

Cancellation Fees

Consumers (Personal customers)

• Cancel within 14 days in writing to receive a full refund of the processing fee.
• After 14 days, no refund of the processing fee is given.
• Cancellation after 14 days incurs a £360 (including VAT) fee from Rivervale Cars Limited.

Business customers

The 14-day cancellation right does not apply to businesses (sole traders, partnerships, companies).

• The processing fee will not be refunded upon cancellation.
• A cancellation fee of £300 + VAT will apply.

If Rivervale cancels the order or the vehicle is delayed due to uncontrollable circumstances, the processing fee will be refunded, and no cancellation fee will apply.

Rivervale Minibus Limited does not charge cancellation fees.

What do you do if you have a complaint?

A complaint is any expression of dissatisfaction, whether oral or written, and whether justified or not.

We take complaints seriously and aim to resolve them quickly.

To help us respond quickly, please provide as much information as possible.

You can contact us with your complaint via:

• Post: Rivervale House, 50 Victoria Road, Portslade, East Sussex, BN41 1XB
• Telephone: 01273 433480
• Email: complaints@rivervale.co.uk

If your complaint is unresolved, you may refer it to the Financial Ombudsman Service: www.financial-ombudsman.org.uk

View our full complaints procedure

Are we covered by the Financial Services Compensation Scheme (FSCS)?

Yes, we are covered by the FSCS. Compensation may be available if we are unable to meet our obligations, depending on the type of business and claim.

General insurance advice and arrangement is covered for 90% of the claim with no upper limit. Compulsory insurance (e.g. motor insurance) is covered for 100% of the claim with no upper limit.

Finance products are not covered by this scheme.