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Initial Disclosure Document

Initial Disclosure Document

NBU Consulting Ltd trades as and is better known as Nigel Unsworth Car Broker and is also referred to as Nigel.

Who Regulates Us
We are authorised and regulated by the Financial Conduct Authority – the independent regulator of financial services . Registered No: FRN 619252 You can verify this on the Financial Conduct Authority’s Register by visiting the Financial Conduct Authority’s website: or by contacting them on 0300 500 8082.

The Financial Conduct Authority expects any intermediary to disclose to the customer that a commission may be payable by the owner or creditor to the intermediary, and, if the customer asks, the amount of that commission. The Financial Conduct Authority has made it clear that “commission” means any financial consideration. If you would like us to disclose any potential commission we may earn please contact us by email at or by telephone on 01276 28203.

The Financial Conduct Authority requires us to provide you with a document called an ‘Initial Disclosure Document’. This document provides information about us, the products we offer, the services we will provide, what we charge for our services, who regulates us, what to do if you have a complaint and details about the Financial Services Compensation Scheme.

Who Are We
We are NBU Consulting Ltd and trade as Nigel Unsworth Car Broker. Our registered office address is 213a Base Point Business Centre, 377-399 London Road Camberley, Surrey GU153HL.
We are a leasing broker of vehicles, we are not a funder or lender.

What Services Do We Provide?
We will provide you with either comparable details of firms most appropriate to your lending or purchase requirements or general information relating to finance products. In assessing your requirements we’ll ask for information about your personal circumstances and objectives, so that we can identify your needs. It is important that you provide us with accurate and relevant information. You will not receive advice, or a recommendation from us, but we may ask questions to narrow down the selection of firms offered, from which you can more easily make your own choice if you so wish.

Whose Products Do We Offer
As a broker we have relationships with a range of lenders/dealers/funders, once your application is successful and your order document has been signed we can confirm the full details of your lender and supplying dealer.

Do We Charge For Our Services?
For sourcing and assessing a choice of cars, presenting you with options, negotiating the price of the car you choose, arranging the financing, completing the paperwork and then organising delivery, we charge £500 + VAT.

When selling your car we find a buyer, negotiate the sale price, manage all the paperwork, organise the collection and generally take away all the hassle for 5% of the sale price of your car.

Vehicle Maintenance
If you have opted for a non-maintained contract, you will be responsible for any maintenance in line with the manufacturer’s servicing and maintenance recommendations according to their website and vehicle handbook. This will be at your cost. Most funders stipulate, within their terms and conditions, that all servicing work must be conducted by an authorised main dealer.

Do We Offer Insurance Products
No, whilst we can refer you to a company that offer GAP insurance, Nigel will not offer any price or advice on any insurance product.

Vehicle Supply
Before committing to an order, it is important that you check that the vehicle meets your requirements, including transmission type.

If You Have a Complaint
Please refer to the Complaint Procedure.

Important Information to consider if purchasing a diesel
Adhering to the emissions standards for new cars means that almost all diesel vehicles are now fitted with a DPF. This is a technology, which is designed to catch soot in the exhaust and as a result prevent it from entering the environment. To keep everything running smoothly, the filter needs to be regularly emptied using a process known as regeneration. This is when the soot is burnt off at a high temperature, leaving just a small residue of ash. It’s a process that takes place automatically when driving at motorway speeds because the exhaust reaches a high enough temperature for the regeneration process to occur. On the other hand, if a vehicle is mainly driven for shorter distances, at slower speeds, the cleaning process will not take place frequently enough to keep the filter clean. In these circumstances, most vehicles will initiate a forced regeneration by boosting the exhaust temperature to a point where regeneration will occur. However, this can mean that you need to keep driving for 10 minutes or so at speeds greater than 40mph until the process is complete and the warning light clears.
If the warning light is ignored, soot levels will continue to rise and the vehicle may enter a ‘restricted performance mode’ in order to limit any further damage. At this point, the vehicle will need professional attention to clean or even replace the DPF. This can easily cost upwards of £1,000 and is not covered by either your warranty or any maintenance agreement. To protect your DPF and keep it running smoothly, it is important to follow the guidance found in your vehicle handbook and, if any warning lights come on, take the recommended action immediately.

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