Initial Disclosure Document

1.The Financial Conduct Authority

The FCA is the independent regulator of financial services. This document is given to customers considering buying certain financial products. You need to read this important document as it explains the service we offer.

2. What products do we offer, and from whom?

  We only offer products from one selected lender

  We only offer products from a limited number of lenders

3. Which Lender will we introduce you to?

  We will advise and make a recommendation for you after we have assessed your needs.

  You will not receive advice or a recommendation from us. You will need to make your own choice about how to proceed.

4. What will you have to pay us for our services?

  A fee 0.00

  No fee You will receive documentation from the credit provider before proceeding with any financial product which will tell you about any fees relating to it.

We may charge a fee for our services. We will also be paid a commission for introducing you to our selective group of lenders (either a fixed fee or a fixed percentage of the amount you borrow), which is determined by the lender. This will not affect the amount you pay.

5. Who Regulates Us?

Scott James of Lytham are authorised and regulated by the Financial Conduct Authority, FRN: 660809. You can check this on the Financial Services Register by visiting the FCA’s website at All finance is subject to status. Terms and conditions will apply. Applicants must be 18 years or over. We act as a credit broker and not a lender.

6. What to do if you have a complaint?

If you wish to register a complaint, please contact us:

In writing: Scott James of Lytham, The Courtyard, Alexandria Drive, Lytham St Annes, Lancashire, FY8 1JD

By email: