Frequently Asked Questions

What type of agreement is best for me?

The type of agreement that is best for you or your company depends on a number of factors. We can always guide you and give you the advantages and disadvantages of each scheme. We offer a range of agreements:

  1. Personal Contract Hire
  2. Personal Contract Purchase
  3. Finance Lease
  4. Business Contract Hire
  5. Business Contract Purchase
What is the difference between personal and business leasing?

If you are a limited company, sole trader, partnership, or LLP then you may be able to have a business lease contract.
Sometimes finance schemes for businesses have special rates, complimentary extras, and offer advantageous tax implications depending on the type of agreement you choose. With over 20 years’ experience in the business leasing industry we feel we can offer guidance and assistance in helping you and your business choose the best and most appropriate scheme available.

What do I do about servicing and maintenance of the vehicle?

You can either choose to maintain your vehicle yourself in accordance with the manufacturers recommended servicing schedule, or alternatively we can provide fully-maintained packages with most contracts. Obviously one of the benefits of leasing a vehicle is it is new and covered by a manufacturer’s warranty there is also no need for an MOT as most leasing agreements usually only cover the first 3 years of a vehicles life.

What is a Maintenance Package and what is included

Please click here for more information

What is the application procedure?

We try and make this as easy and as convenient for you. Initially there is a finance application form to complete. As we are regulated by the FCA we will always endeavour to ensure that the right finance product is picked to meet your requirements (see out Treating Customers Fairly Policy).
We provide a main point of contact for the duration of your application through to taking initial details to delivery of your new vehicle and beyond.

How much is delivery?

Delivery of your new vehicle is free to anywhere in the UK. Delivery of your new vehicle can always be arranged at a convenient time and place for you.

Do you take Part Exchanges?

Yes, subject to age and condition of the vehicle we are always happy to you through the options with your current vehicle. We can also settle existing finance and may still be able to help if your old car is not worth the level of the outstanding finance.

I already have a vehicle on a Finance Agreement but want to change can I talk to you?

Yes, we are happy to discuss your current vehicle finance agreement. We are fully independent and have 20 years of experience in the Vehicle Leasing Industry we will always give honest, reliable independent advice, even if this means losing out on business. Our number one priority has always been to advise our customers on the best course of action for them and their individual circumstances.

What happens at the End of the Agreement?

This really depends on the type of agreement you have chosen. In some cases you can simply had the vehicle back, with other agreements you can have the option to purchase the vehicle outright. For a full explanation of what happens at the end of an agreement please refer to Finance and Leasing for further information.

Can I reclaim Vat?

Depending on the type of finance, if you are Vat registered you can typically reclaim 100% of the Vat for a commercial vehicle agreement, and 50% of the Vat for a car – rising to 100% of it if purely for business use.

Do you charge any admin fees?

No, we have never charged admin or ‘document’ fees for arranging your vehicle agreement, and we never will.

How do you earn your commission – do I pay you anything?

We can introduce you to a limited number of lenders who may be able to offer you finance facilities for your purchase. We will only introduce you to these lenders. We may receive a commission payment from the finance provider if you decide to enter into an agreement with them. You may be able to obtain finance for your purchase from other lenders and you are encouraged to seek alternative quotations. Business customers may not be protected under the Consumer Credit Act 1974 or the rules of the Financial Conduct Authority.

Who are you regulated by?

We are fully authorised by the Financial Conduct Authority (known as the FCA). This means that we adhere to the highest standards of conduct and operate our business in a transparent, ethical manner. We are also regulated by the British Vehicle Rental and Leasing Association (BVRLA). This means that we remain aware of the latest developments in the industry and can keep our clients updated with any industry developments.

What if things go wrong – do you have a complaints handling procedure?

Things rarely go wrong, but if they do, we aim to solve the issue in-house, by taking whatever means necessary to keep our customers happy. If we are unable to solve your complaint, you can refer your complaint to the Financial Ombudsman – a copy of our Complaints Handling Policy is available on request.

Where do your customers come from?

Typically, our customers are existing customers and those that we have gained via word of mouth from satisfied customers.

Which finance companies do you use?

We have direct introducer arrangements with Leaseplan UK Ltd t/a Network Vehicles, Hitachi, and Haydock. We have sub-broker arrangements with Lex Autolease, Arval, ALD Automotive, Barclays and Santander. We aim to place your business with the most relevant and competitive funder that matches your circumstances, operating as a truly independent broker should.

What cars and vans do you supply?

We supply any make & model of car / van 4×4.

Where do your cars and vans come from?

We use a network of tried and trusted main dealers, who we have built up strong relationships with. This helps us feel confident that your vehicle will be delivered in good time, in good condition, with unrivalled after-sales service.

What if I need help during the agreement?

In the first instance, all queries about your finance agreement or vehicle can be sent to ourselves – we will be pleased to assist with any query relating to your vehicle or contract.

My car needs a service or new tyres – what do I do?

If your vehicle is on a non-maintained agreement, the upkeep of the vehicle is down to you. If you have opted for a maintenance and servicing package, the maintenance of the vehicle is paid for by the finance company, who issue you with a driver helpline / service booking line at the start of your agreement.

When is my deposit payable?

With most agreements, the deposit (or ‘initial payment’) is taken just AFTER delivery of your new vehicle, once you have signed the vehicle acceptance note to confirm that your vehicle has arrived and it is as you ordered and is in good condition. Your first monthly payment is then taken 4 weeks after delivery.

I have bad credit, can you help?

Sometimes. It depends how bad, and how recent. We will try to structure a deal that may encourage a lender to accept your application and we will work with you to find the most appropriate solution.