Initial Disclosure Document (IDD)
This information relates to the activities undertaken by Reg Transfers Limited.
The Financial Conduct Authority (FCA) is the independent watchdog that regulates financial services. Use this information to decide if our services are right for you.
Treating Customers Fairly
Our business is committed to treating our customers fairly and ensuring our products and services are suitable for their needs. Treating Customers Fairly (TCF) is a core part of our culture and philosophy and you can request a copy of our TCF statement if you would like to see it.
What products and services do we offer?
Reg Transfers Limited trading as Regtransfers.co.uk is authorised and regulated by the Financial Conduct Authority (FRN: 1050176).
Reg Transfers Limited acts as a credit broker, not a lender. We can only introduce you to V12 Retail Finance Limited, trading as V12 Retail Finance (FRN: 679653), who may be able to offer you finance facilities for your purchase. We will only introduce you to this lender. Credit is provided subject to status, affordability and lender approval.
Please be aware that PayPal Pay in 3 is a Deferred Payment Credit product and only the lending activity is regulated by the Financial Conduct Authority in relation to this product. The activity conducted by Reg Transfers Limited in making this payment option available is not regulated by the Financial Conduct Authority.
Other finance facilities
You may be able to obtain funding for your purchase from other providers, and you are encouraged to seek alternative quotations and details of their products by researching on the high street, in the media and online.
What will you have to pay us for this service?
You will not make any payment to us for processing a finance application or for introducing you to the finance provider. All charges that you will pay including interest, documentation fees, or rentals where applicable, will be clearly shown on the finance agreement.
Commission disclosure
If you enter into a finance agreement with V12 Retail Finance Limited, Reg Transfers Limited may receive a commission for the introduction. The amount of commission may vary depending on the product selected and the amount of credit. You can request details of the commission at any time.
Understanding our products and documents
If you have any health issues, difficulty in understanding information, or any recent life events that could affect your ability to fully understand the information and documentation you are presented with (or your commitments under any agreement), please let us know. We can allow additional time and provide information in a way that best meets your needs.
You should make sure you have sufficient time to assess the information given to ensure the option you select is suitable for you and meets your requirements. Please ask questions if you need further explanations to fully understand the documents you are given.
Affordability
If you choose to pay by instalments/finance, you should assess the payments you are required to make throughout the agreement and ensure you are able to meet these obligations and any other obligations you already have without suffering undue hardship. If you are aware of any future events that will affect your ability to meet these payments, you should ensure the provider is informed immediately.
Your credit rating could be adversely affected if you do not make payments when due which could make it harder or more expensive for you to access finance facilities in the future.
Who regulates us?
Reg Transfers Limited is authorised and regulated by the Financial Conduct Authority. Our FCA Firm Reference Number (FRN) is 1050176.
Our permitted business is credit broking. You can check this information on the FCA register by visiting www.fca.org.uk/register or by contacting the FCA on 0800 111 6768.
What to do if you have a complaint
If you wish to make a complaint, please contact Reg Transfers Limited.
Address: 139 High Street, South Dunstable, Central Bedfordshire, LU6 3SS.
Telephone: 03303 904222 / +44 07946 557989
Email: ben.woodley@regtransfers.co.uk
If you would like to know how we handle complaints, please ask for a copy of our complaints handling process. If your complaint is not resolved to your satisfaction, you may be able to refer it to the Financial Ombudsman Service, whose contact details are set out below:
In writing: The Financial Ombudsman Service, Exchange Tower, London E14 9SR
By telephone: 0800 0234567
By email: complaint.info@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk
Confidentiality and data protection
Throughout the process of administering services for you we will need to collect personal information from you and pass this information to one or more third party organisations for them to supply any services you request. This may include passing this information to one or more potential lenders or credit brokers to enable them to make a credit decision. These lenders may use your information to conduct an affordability and credit worthiness assessment and will do so using the consent given by you.
This may include sharing your information with credit reference agencies and other companies for use in credit decisions and fraud prevention. For full details of where your information will be sent, and the purpose for doing so, or to cancel your consent for the processing of your personal data, please contact us.
A copy of our privacy policy, which details how your information will be processed and your rights, is freely available upon request. To request this information please contact us:
In writing: Reg Transfers Limited, 139 High Street, South Dunstable, Central Bedfordshire, LU6 3SS.
Telephone: 03303 904222 / +44 07946 557989
Email: ben.woodley@regtransfers.co.uk
Document last updated: 15/10/2026