e4 Vans & e4 Finance
1. Authorisation
e4 Vans & e4 Finance is an appointed representative of HH Business Finance Limited and regulated by the Financial Conduct Authority (FCA).
- FCA Firm Reference Number: 932105
- Permitted activities: Credit Brokering, Debt-Adjusting, Debt-Counselling in connection with the whole or partial settlement of credit agreements for vehicle finance and consumer hire agreements.
We are a credit broker and not a lender.
You can check our authorisation and permitted activities on the FCA Register:
www.fca.org.uk/firms/systems-reporting/register
or by contacting the FCA on 0800 111 6768.
2. Our Services
We will at all times act in your best interests.
- We source loans from the market suitable to your requirements.
- Once a preferred option is agreed, we provide information about the loan and lender so you understand your responsibilities.
- We act solely as a Credit Broker, not as a lender.
Finance Products We Broker
- Hire Purchase / Lease Purchase
- Finance Lease (Business Users Only)
- Personal Contract Hire & Business Contract Hire
3. Scope of Service
We work with a panel of lenders representing a fair analysis of the relevant market.
Details of the lenders we use are available on request.
4. Charges & Commission
We do not charge fees for our credit broking services.
Some lenders may charge administration fees to set up your agreement.
We typically receive commission from lenders, which may be:
- A fixed fee
- A fixed percentage of the financed amount
The commission we receive does not affect the amount you pay under your finance agreement.
Any remuneration will be disclosed prior to the conclusion of the transaction.
FCA Commission Disclosure
You have the right to request further information about any commission or remuneration we receive in connection with your finance agreement at any time before the agreement is concluded.
If you request this information, we will provide it in a clear and timely manner.
Our aim is to secure finance at the lowest interest rate you are eligible for from our panel of lenders.
5. Cancellation Rights
If you wish to cancel your vehicle order prior to delivery, you must do so in writing.
Cancellation may result in loss of any monies paid, unless your rights under the:
- Consumer Credit Act 1974
- Consumer Protection (Distance Selling) Regulations 2002
- Financial Services (Distance Selling) Regulations 2004
are exercised (distance selling rights do not apply to business customers).
Any additional costs incurred by us due to cancellation will be passed on to you, with evidence provided upon request.
We cannot accept responsibility for any losses arising from the contract between you and the finance company, except where caused by our negligence.
6. Vehicle Finance Options
We provide a range of finance options. Based on your responses, we may narrow the selection to the most appropriate for your circumstances.
You are encouraged to review all available options, some of which may not be suitable for you. Further information can be obtained from:
- Finance & Leasing Association: www.fla.org.uk
- Money Advice Service: www.moneyadviceservice.org.uk
All agreements are completed without advice, based on your explicit instructions.
7. Registered Office
e4 Vans & e4 Finance
e4 House,Cedar Way
Tonyrefail, Porth
RCT CF39 8JN
📞 Telephone: 01443 676494
📧 Email: Lee@e4vans.co.uk
8. Errors and Omissions
All information provided is E&OE (Errors and Omissions Excepted).
Last Updated: 19/02/2026
9. Financial Ombudsman Service
If you are an eligible complainant and are not satisfied with our final response, you have the right to refer your complaint to the Financial Ombudsman Service (FOS).
Financial Ombudsman Service
Exchange Tower, London, E14 9SR
Telephone: 0800 023 4567 or 0300 123 9123
Website: www.financial-ombudsman.org.uk
We will provide full details of how to refer your complaint in our final response letter.
Adopted: 19/01/2026 Last Updated: 19/01/2026