Woodcote Carriage Company – Initial Disclosure Document

INTRODUCTION

This document explains our commission policy and outlines the arrangements between Woodcote Carriage Company and the lenders we work with for finance products and services. It is designed to comply with the Financial Conduct Authority (FCA) rules on commission disclosure, ensuring transparency and fairness in the financial services we provide.

COMMISSION DISCLOSURE

Woodcote Carriage Company acts as a credit broker, not a lender. We have established relationships with a range of lenders, which may include commercial arrangements requiring us to refer you to specific lenders first.These arrangements mean we cannot provide impartial advice on entering a financial agreement with any particular lender.Any commission we receive from lenders does not affect the amount you pay for the finance product or service. We are committed to offering fair and transparent pricing to all customers.In line with FCA rules, we will disclose our commission arrangements clearly, fairly, and without misleading you. Before you enter into any finance agreement, we will provide:

1. Confirmation that we receive a commission for arranging finance products and services.
2. The names of the lenders we work with and details of our relationships with them.
3. Information on whether we provide finance products from a limited selection of lenders or a broader panel.
4. Full disclosure of the commission we are likely to receive.

OUR COMMITMENT TO YOU

Woodcote Carriage Company is dedicated to providing clear, transparent information about our commission arrangements. Transparency is fundamental to building trust with our customers and helping you make informed financial decisions.If you have any questions about our commission policy or the finance products we offer, please contact our team. We will provide all the information you need to make the right decision for your circumstances.

CONCLUSION

We are committed to:

• Providing fair and transparent pricing.
• Complying fully with FCA rules on commission disclosure.
• Maintaining transparency in all commission arrangements to build trust with our customers.

Signed: ……………………………………………..Date: ………………………………………………..