Initial Disclosure Document

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


Terms of Business Agreement comes into force on the day you receive it from us and will remain in force until you are provided with revised terms.

  • Hot Car Leasing® is trading entity of Creative Client Services Limited who are authorised and regulated by the Financial Conduct Authority Registration number 719621.

  • The words "we", "us" and "I" (upper or lower case) refer to Creative Client Services Limited.

  • Prices are for information purposes only and do not constitute an offer by Creative Client Services Limited, which is capable of acceptance by you.

  • An order does not create a contract between you and Creative Client Services Limited or ’Hot Car Leasing,’ to purchase, hire or lease a vehicle. The order will be between you (the client) and the leasing/finance company.

  • We give no advice on vehicles or insurance that may be best for you and prefer to let you make the decision to lease or not to lease a vehicle. The leasing company will normally have the right to cancel an agreement at any point until you have both signed up and agreed the final contract.


We are authorised and regulated by the Financial Conduct Authority (FCA), number 719261. This can be verified by contacting The FCA, 25 The North Colonnade, Canary Wharf, London E14 5HS, telephone number 0800 111 6768, website


Our Service

From our website/email shots we will show different cars from several different leasing companies that you may want to lease. If you then pass on your details to us indicating that you would like to potentially lease a vehicle, then we will pass on your details to the leasing company who may carry out extra checks such as, a credit check. The leasing company will also send you an agreement which you will normally have to sign (unless they accept electronic signatures), agreeing to their terms and conditions before a contract exists between you and them.

We will also try and keep in contact with you as part of our Treating Customers Fairly Policy, notifying you of special offers, regulatory changes or other products that you may be interested in.


Treating Customers Fairly

We are committed to a policy of Treating Customers Fairly and place the interests of the customer at the heart of the firm’s business strategy. Our commitments to you are:

  • To treat you as an individual and listen to you;

  • To act at all times with integrity;

  • To address your concerns in a sympathetic and understanding manner.

If you have any feedback, whether good or bad, let us know, as we value your views to help us shape the future of our company.

Data Protection and Confidentiality

Any personal data you provide will be treated as confidential and held securely. We will not pass your personal data to any other organisation unless it is necessary to do so to fulfil our obligations to fulfil your requirements or where required by any regulation or enactment, or with your consent. You have a right to request access to any personal data held by us by writing to Creative Client Services Limited.


Credit Referencing

In order to be able to offer a vehicle for leasing, the supplier of the vehicle or their finance company, as part of credit acceptance arrangements may carry out credit checks using external credit agencies. Such checks may appear on your credit file regardless of whether or not your application proceeds.

Fees and Remuneration

  • Booking Fee ‐ we normally charge a booking fee and this will be payable when you submit or sign the proposal form. We will advise you of this as part of the booking process.

  • Initial Payment ‐ this is the initial payment you will need to pay the leasing company for the vehicle that you are leasing. Please check your final agreement with the leasing company for details on this.

  • Monthly Cost ‐ this is the monthly cost of the vehicle that you are leasing that you will pay to the leasing company each month during the duration of the lease. This normally starts from the second month. Please check your final agreement with the leasing company for details on this.

  • Procuration Fee ‐ occasionally the leasing company may pay us a small fee for completion of a lease.

  • Gap Insurance ‐ we do not currently offer Gap Insurance, but we will tell you what Gap Insurance is, and where you might find Gap Insurance. In the future, if and when we find several Gap Insurance providers then we may contact you about this type of product.

  • Cancellation Fee ‐ after successful finance checks have been conducted, we will send you a Vehicle Order Confirmation form for you to sign. Once you sign this document, we will place this order and at this point should you wish to cancel the order, you will be liable for a cancellation fee which you will have to pay as detailed in the Vehicle Order Confirmation. This fee normally starts from £500+vat / 3 months rental (whichever is the higher amount), but some leasing companies can charge in excess of £10,000 for a cancellation of a vehicle, as an unsold vehicle depreciates over time.

  • Other Fees ‐ there may be other fees that the Leasing company may charge you, this will be clearly explained in their final agreements/terms and conditions. We have listed a couple of these for your guidance.

    • Normally if you go over the contracted lease mileage then you may have to pay a excess mileage charge

    • If the vehicle that is returned at the end of the lease has damage beyond the conditions of fair wear and tear, then the leasing company will normally pass the cost of repair/damage onto you.

    • Please check the leasing companies agreements to see a full lists of their charges.


If you have a complaint about any aspect of our service, please contact us by telephone or in writing to one of the following areas. We aim to answer all complaints within two business days after receipt.

By Phone : 01952 350000 (local rate)

By Post : Hot Car Leasing ®, Creative Client Services Ltd, Countrywide House, Knights Way, Battlefield Enterprise Park, Shrewsbury, SY1 3AB

If you are a Consumer or a Commercial Client with a turnover of less than €2million and fewer than 10 staff and are dissatisfied with our final response to your complaint, or if the investigation is not concluded within eight weeks, you have the right to refer the matter to the Financial Ombudsman Service (FOS) whose jurisdiction extends to cover general insurance mediation and consumer credit activities. They may be

contacted at:

Postal Address:

Financial Ombudsman Services

Exchange Towers

Harbour Exchange Square


E14 9SR

Telephone number : 0800 023 4567




Please note that the Financial Ombudsman will not answer any complaints that have not come to us first. Please refer to our Terms and conditions on

Third Party Rights

Unless otherwise agreed between us in writing, no term of this Agreement is enforceable under the Contracts (Rights of Third Parties) Act 1999. All activities undertaken by us as outlined in this Agreement are provided by us for your exclusive use and all data, recommendations, proposals, reports and other services are for your sole use. You agree not to permit access by any third party to this information without our

express written permission.

Governing Law

This agreement shall be governed by and construed in accordance with English law and the parties hereto agree to submit to the non‐exclusive jurisdiction of the English courts. Please also note that any Agreement, which sets out our terms of business with you, will be governed by and construed in accordance with the Law in UK.

General Data Protection Regulation

Use Of Your Information By Hot Car Leasing®, Credit Reference and Fraud Prevention Agencies

When you apply for finance from a finance provider, you must provide us with certain personal information which we will then share with finance houses. They will share this information with Credit Reference and Fraud Prevention Agencies as this is necessary to help the finance company decide whether to offer you finance. If you do not provide it to us, then they may not be able to offer you finance. Your information will be used by us and these agencies as follows:

  • They will check records about you and others held by them, and also by Credit Reference and Fraud Prevention agencies. E.g. to assess your application for credit and verify identities to prevent and detect, crime and money laundering. The Credit Reference Agencies will record a search footprint on your credit file which may be seen by other lenders. They will also supply public information (e.g. information held on the electoral register) plus shared credit and fraud prevention information. The Fraud Prevention Agencies will use your personal information to prevent fraud and money-laundering and also to verify your identity.

  • If you advise us of a director, a spouse or a financial associate, then they may/will link your records together. You must ensure that you have their confirmation beforehand, to disclose their information. Credit Reference Agencies also link your records together. The links that are created, will remain on your and their files, until such a time as you or they successfully file for disassociation with the Credit Reference Agencies to have this link broken.

  • If you provide us false/inaccurate information or if they suspect or identify fraud, then they will record this and they may also pass this information on to Fraud Prevention Agencies and other such organisations involved in crime prevention. Please note that Law enforcement agencies may also access and use this information. If fraud is detected, then you could be refused certain services, finance or employment.

  • We and other organisations may access and use, from other countries, the information recorded by Fraud Prevention Agencies. These may be publicly-available sources. Any information provided may/will be kept on file for up to 6 years. Should you decide not proceed with your leasing deal, you do have the right to request that we delete any information that we hold about you.

  • Please note that we may also need to share your information with motor manufacturers, dealers and/or delivery companies in order to arrange and execute delivery of your vehicle to you.

Your data and information may also be used for other purposes for which you give your permission, or when required by law (or where permitted by relevant data protection and privacy law). Our lawful grounds for using your information include doing so to comply with our legal obligations or for our legitimate interests, e.g. to ensure that we are able to provide offers of finance that may be of interest to you, to ensure that our services/processes function correctly,  prevent fraud and money laundering and also to ensure that our records are accurate and up to date. When applying for finance, you have certain rights where Finance Houses use automated decision-making tools to help them decide whether or not to offer you finance, for example, if you fail the credit checks for any reason, you can ask for the reasons why this is the case.

The Agencies that normally use this information for ascertaining credit worthiness are:-

  • Experian

  • Equifax

  • Call Credit

The Funders that we may propose you on to in order to gain credit acceptance include, but are not limited to:

  • Arval

  • ALD

  • Volkswagen Financial Services

  • Mercedes Benz Financial Services

  • Santander Contract Hire

  • Toyota Financial Services

  • Lloyds Banking Group (which Includes Lex Autolease, Black Horse, Landrover CH, Jaguar CH)

  • Alphabet

  • Leasys

  • PSA Finance

We will pass your information onto one of the above (or another provider) initially, in order to obtain finance or, with your permission, we may also pass your information onto a different provider if you would like to try approval for finance through another finance provider.


How To Find Out More

The above is a summary of how your data will be used when you apply for finance using Hot Car Leasing® as an intermediary leasing broker. If you would like to learn more about how your information may be used by us, Credit Reference Agencies and Fraud Prevention Agencies, including details of your rights in relation to your information, or contact details of the Credit Reference and Fraud Prevention Agencies, please:



Contact Us:

Phone :01952 350 000

              - or -

Phone :08700 110 300

For Customer Services Email:

Sales & Registered Address:
Hot Car Leasing®
Creative Client Services Ltd
Countrywide House
Knights Way 
Battlefield Enterprise Park                              
Shrewsbury SY1 3AB

We are proud members of:

Find us on Social Media:

  • Facebook
  • Twitter

Complaints / Secure Documents:
Creative Client Services Ltd (HCL)
Business and Technology Centre (SB211)
Telford Campus


Hot Car Leasing® is the trading name of Creative Client Services Ltd (registered in England and Wales, registration number 09801829) who is authorised and regulated by the Financial Conduct Authority (registration number 719621). Please send all correspondence to our processing centre at Hot Car Leasing®, Creative Client Services Ltd, Business & Technology Centre (SB211), Telford Innovation Campus, Telford, Shropshire, TF2 9NT - Tel +44(0)1952 350000.  Hot Car Leasing is a credit broker not a lender. VAT registration number GB312 9993 79.  We are registered with the Data Protection Information Commissioner's Office (ICO registration number ZA154451).  We are also members of the BVRLA (British Vehicle Rental and Leasing Association) member number: 9998.  Our Registered Office is Countrywide House Knights Way, Battlefield Enterprise Park, Shrewsbury SY1 3AB. © 2020 Creative Client Services Ltd. All rights reserved.