Initial Disclosure Document

The Financial Conduct Authority (FCA) is the independent regulator of financial services. The FCA requires Arnold Clark Finance Limited (also collectively referred to as 'us' and 'we' hereon) and Close Brothers Limited (also collectively referred to as 'CBL', 'them' and 'their' hereon) to provide you with a document called an 'Initial Disclosure Document'.

This document contains important information about us, CBL (who are the finance provider for whom we act as agent), the products we offer, the services we will provide, the services that CBL will provide, who regulates us, who regulates CBL, and what to do if you have a complaint.


Who are we?

We are Arnold Clark Finance Limited, and our registered office is 454 Hillington Road, Glasgow, G52 4FH. We are an Appointed Representative of Arnold Clark Automobiles Limited for consumer credit activities. Arnold Clark Automobiles Limited are authorised and regulated by the Financial Conduct Authority for consumer credit and general insurance activities, Registration Number: 308092. We can, therefore, introduce you to lenders who may be able to help you finance your vehicle.


Whose products do we provide?

We act as an agent for Close Brothers Limited, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (firm reference number: 124750). Its registered office address is 10 Crown Place, London, EC2A 4FT.

Close Brothers Limited is permitted to arrange and sell various forms of finance, including regulated personal hire agreements. You can check the authorisation status of both Arnold Clark Finance Limited and Close Brothers Limited on the Financial Conduct Authority's register by visiting their website or by contacting them on 0800 111 6768 (freephone) or 0300 500 8082.


What services do we provide?

As an agent, we will provide you with information and quotations relating to Close Brothers Limited (CBL) products. In order to provide you with this service, we will pass your personal information to CBL for the purposes of undertaking credit checks and identity checks on you, and/or your business, and/or those with whom you are linked financially.

CBL may also share this information with other third parties to protect them and Arnold Clark Finance Limited against fraud.


If you have a complaint

Arnold Clark Finance Limited

It is the aim of Arnold Clark Finance Limited to provide a very high standard of service to every client. It is important to us that all complaints are resolved as quickly as possible and to the complete satisfaction of our clients. You can register a complaint via:


0141 648 1088

Write to:
Customer Services,
Arnold Clark Finance Limited,
454 Hillington Road,
Glasgow G52 4FH

A copy of our complaints procedure is available upon request or on our website at If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service, either by telephone on 0300 123 9123 or 0800 023 4567, through their website at or at the address Exchange Tower, London, E14 9SR.


Close Brothers Limited

If you have any complaints in relation to the services provided by Close Brothers Limited, please register your complaint via:

0161 888 2818


Write to:
Close Brothers Limited,
Olympic Court,
Third Avenue,
Trafford Park Village,
Manchester, M17 1AP


A copy of CBL's complaints procedure is available upon request. If you are not satisfied with CBL's response, you may be entitled to refer your complaint to the Financial Ombudsman Service, using the contact details above. Please note that, should you be entitled to refer your complaint, this right will be deemed to be incorporated into any agreement you enter with CBL.

General finance agreement complaints may also be referred to the Finance & Leasing Association, whose contact details are available on request.



You are entitled to a cooling off period within the first 14 days of entering into your hire agreement without penalty. Further details will be included within the Terms & Conditions shown on the agreement that you sign or can be requested from your Contact.


Data Protection

Information on how both Arnold Clark Finance Limited and Close Brothers Limited will collect, process and otherwise use your personal data is provided later in this document.


Why you have to provide identity and address verification details

Please be aware that Close Brothers Limited is required to verify your identity in accordance with the Proceeds of Crime Act 2002 and the Money Laundering Regulations 2017. If they are unable to do this, they cannot continue to transact business with you.


Close Brothers Limited – General Information

Close Brothers Limited is a proud member of the Finance & Leasing Association (FLA) and abides by the FLA Lending Code which can be found on the FLA website. You can also request a copy by writing to our Head of Operations at: Wimbledon Bridge House, 1 Hartfield Road, London, SW19 3RU.

By acting as an agent for Close Brothers Limited, Arnold Clark Finance Limited receives commission and/or a fee for introducing business.

This document will need to be amended from time to time. A new Initial Disclosure Document will be given to you when it is required, that is when you commence new business with us or alter your existing agreement.