All Vehicle Contracts Ltd

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Compliance Your Rights

  • BVRLA Conciliation Service

    Excerpt from the full articleBVRLA Conciliation Service BVRLA
    River Lodge
    Badminton Court
    HP7 0DD Tel: 01494 545711 Fax: 01494 434499   Our membership number is 1970. 173
  • Commission Disclosure Statement


    In line with Policy Statement PS20/8, and the ban on discretionary commission models effective from 28 January 2021, The Financial Conduct Authority states that if a credit broker (definition of which extends vehicle dealers and motor finance) receives a commission based on the products or services they sell, then the FCA sets an expectation on any intermediary to disclose the existence of commissions, fees or other remuneration payable, in good time before a credit agreement or consumer hire agreement is executed.

    How All Vehicle Contracts Ltd complies with the FCA rules:
  • Complaint Procedure

    Excerpt from the full article Complaints Procedure Our customers are entitled to a high level of service; unfortunately, from time to time things can and do go wrong. When they do, we will make every effort to resolve and handle your complaint as quickly and amicably as possible. Whether your complaint is about any of the services relating to All Vehicle Contracts, our website, general customer service or pre and post-delivery of a vehicle either through All Vehicle Contracts or our appointed agent or supplying dealer
  • Conflict Of Interest Policy

    Excerpt from the full articleAVC (All Vehicle Contracts/the Company) Conflict of Interest Policy Document Reference Terms Company: All Vehicle Contracts Limited, AVC, the Company You as an individual or your organisation: Client, Customer, you, your A conflict of interest means any financial decision that is made that could be deemed as not being fair due to a possible influence from a related party, that could significantly impair the objectivity of an individual or create an unfair competitive advantage for any person or
  • Consumer Credit Applications

    Excerpt from the full articlePersonal Contract Hire and PCP vehicle finance is rapidly expanding and becoming one of the most popular methods of acquiring new vehicles for personal consumers. Personal Contract Hire and PCP vehicle finance are classed as regulated consumer related products that are protected by the 1974 Consumer Credit Act including Personal Contract Hire, although it is essentially a fixed term hire agreement. Before being able to enter into any form of agreement, whether it is regulated or not, you w
  • Cookie Policy

    Excerpt from the full articleAll Vehicle Contracts Cookie Policy Website
    All Vehicle Contracts Ltd
    Westgrove House
    Ettingshall Road
    West Midlands
    WV2 2LH
    This website uses cookies that are widely used on the internet.
    What are Cookies? Cookies are text files consisting of letters and numbers, placed on your computer when you visit certa
  • Credit Reference Agency Information Notice (CRAIN)


    Version: 1

    Adopted: 23rd October 2017

    All information as detailed herein will be referred to as CRAIN Notice, effective from the Adopted Date as specified above, except for information as detailed in in Sections 9 (data portability right), 11 and 12. These Sections provide information that came into effect from 25th May 2018, as per the effective date of the General Data Protection Regulation (or the GDPR).

    CRAIN Notice
  • Customer Risk Assessment

    Excerpt from the full articleCustomer Risk Assessment Terms: All Vehicle Contracts Limited may also be referred to herein as ‘We’ ‘Company’ ‘AVC’ ‘Us’ ‘Our’ and ‘All Vehicle Contracts’. Customers and potential Customers may also be referred to herein as ’You’ and ‘Clients’. Customer Risk Assessment

    Customer Risk Assessment


    Risk Clie

  • Data Protection

    Excerpt from the full articleAll Vehicle Contracts Privacy Policy Reference: Z7033506 Registered ICO (Information Commissioner's Office) Data Protection Policy
    All Vehicle Contracts The following data privacy policy explains the circumstances in which AVC will collect personal data from you, why it is being collected, how we will use it and to whom we might disclose it to if necessary. THE DATA CONTROLLER AVC is committed to complying with the UK’s Data Protection law and the EU General Data Protection Regulati
  • Definition broker not a lender

    Excerpt from the full articleAll Vehicle Contracts Limited are a broker not a lender and do not provide finance directly. We work with a number of carefully selected contract hire funders and credit providers who may be able to offer you a personal contract hire, PCP finance or lease purchase.  We will not refer you to any other funder other than our selected panel of contract hire funders and credit providers. With your consent our contract hire funders and credit providers will carry out a credit sear
  • FCA (Financial Conduct Authority)

    Excerpt from the full articleFinancial Conduct Authority All Vehicle Contracts is authorised and regulated by the Financial Conduct Authority (FCA) and comply with the guidance set in its handbook. This handbook sets out business standards we must comply to and how we must deal with any complaints we receive. The FCA handbook is available for you to view or download from the FCA website, and can be accessed from the following link:
  • Financial Promotion Policy

    Excerpt from the full articleFinancial Promotions and Marketing Terms: All Vehicle Contracts Limited may also be referred to herein as ‘We’ ‘Company’ ‘AVC’ ‘Us’ and ‘All Vehicle Contracts’. Customers and potential Customers may also be referred to herein as ’You’ and ‘Clients’. Transparent format advertising All Vehicle Contracts (AVC) market our services in a transparent format advertising clearly the monthly cost of leasing. We ensure t
  • Initial Disclosure Document

    Excerpt from the full articleAll Vehicle Contracts Limited Initial Disclosure (IDD) All Vehicle Contracts Limited (also referred to herein as AVC) is a credit broker, not a lender. All Vehicles Contracts Limited is authorised and regulated by the Financial Conducts Authority (FCA), registration number 690140. You can verify this on the FCA’s website or by telephone on 08001116768. All Vehicle Contracts Limited’s Trading and Registered Address is Westgrove
  • Our Commissions and Fees

    All Vehicle Contracts Ltd charge an administration processing fee of £195.00 or £234 including VAT; this fee relates to documentation and order processing, relating to finalization of your vehicle order. Where the vehicle value is over £35,000 OTRP, the documentation fee is £295 + VAT.

    Fees are payable by cheque, credit card, debit card or via BACs payment at point of dealer vehicle order.

    We welcome transparency and pledge not to quote fees that may cancel out the benefit to you of a lower rental offered, and recommend that administration processing fees are compared to that of service and overall cost.
  • Privacy Policy

    Excerpt from the full articlePrivacy Policy: (AVC) All Vehicle Contracts Ltd operates and may operate other websites. It is (AVC) All Vehicle Contracts Ltd policy to respect your privacy regarding any information we may collect while operating our websites. Website Visitors Like most website operators, (AVC) All Vehicle Contracts Ltd collects non-personally-identifying information of the sort that web browsers and servers typically
  • Registration Process

    Excerpt from the full articleThe All Vehicle Contracts automated registration process has been developed to allow customers free and full use of our fully automated online quotation service and pre-contract order process, allowing customers to receive our latest news letters, that covers the latest editions to our website and special promotions. The registration process also allows the customer to opt out of receiving marketing promotions if they chose to do so.

    Online account management that is paperl
  • Rights - Consumer Credit Act 1974

    Excerpt from the full articleOverview - The Consumer Credit Act (CCA) 1974 The Consumer Credit Act (CCA) 1974 requires that businesses who offer goods or services on credit contract hire or leasing, or vehicle related finance to consumers to have a suitable Consumer Credit Licence. The Consumer Credit Licensing regime was administered by the Office of Fair Trading; The FCA replaced the Office of Fair Trading (OFT) as the regulator of Consumer Credit in April 2014. The Consumer Credit Act (CCA) was introduced in 1974, amend
  • Treating Customers Fairly

    Excerpt from the full article  Treating Customers Fairly    Terms: All Vehicle Contracts Limited may also be referred to herein as ‘We’ ‘Company’ ‘AVC’ ‘Us’ ‘Our’ and ‘All Vehicle Contracts’. Customers and potential Customers may also be referred to herein as ’You’ and ‘Clients’. Treating Customers Fairly At All Vehicle Contracts Limited, We are committed to giving you excellent customer service and treating You
  • Your Rights - Personal Contract Hire

    Excerpt from the full articlePersonal contract hire is regulated by the consumer credit act 1974, even though the agreement is for hire and does not offer the option to purchase. The Consumer Credit Act 1974 defines a consumer hire agreement as an agreement made by a person with an individual (the 'hirer') for the contract hiring of vehicles, subject to the following:
    • The agreement is not a hire purchase agreement
    • The agreement must last for more than three months
    • Distance Marketing Regulations 2