Initial Disclosure Document

What is an Initial Disclosure Document?

The Financial Conduct Authority (FCA) is the independent regulator of financial services. The FCA require 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 and what to do if you have a complaint.

Who are we?

MCS Scotland Ltd trading as MCS Motorcycles.

Tel. 01563 590159

Email. sales@mcs-scotland.co.uk

Website: www.mcs-scotland.co.uk

Who regulates us?

MCS Scotland Ltd is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA number is FRN 661376. You can check this on the FCA's website www.FCA.gov.uk/register or by contacting the FCA on 0300 500 8082. 

Which service will we provide for you?

We can introduce you to a number of lenders who may be able to help finance your vehicle. This group of lenders provides us with a range of products which may be suitable for your vehicle purchase.

We will explain the key features of those products to you and make a recommendation based on the affordability which is suitable for your demands and needs at the time it is made.

We are not Independent Financial Advisers and so are unable to provide you with independent financial advice. There are also other sources of finance which you may wish to investigate.

What will you have to pay us for our services?

We do not charge a fee for the introduction to finance providers. For financeagreements, we typically receive a commission for introducing you to the lender but this does not affect the interest charged on the agreement, all of which are set by the lender. 

All the lenders that we work with pay commissions at different rates.  However, the commission received does not affect the amount you will pay under your finance agreement. Our aim is to secure finance for you at the lowest interest rate available from our panel of lenders. The amount of commission can be made available to you upon request. 

What to do if you have a complaint

To register a complaint contact us by:

Email: sales@mcs-scotland.co.uk

Telephone: 01563 590159

Post: MCS Motorcycles, 49 Main Road, Crookedholm, Kilmarnock KA3 6JT