We recommend that you carefully read these Terms that apply to our appointment by you and the services we will provide.


Provision of service

By asking us to quote for, arrange or handle the sourcing of a vehicle, the provision of leasing or finance, or for the provision of any other associated services, you are providing your informed agreement to these Terms of Business. We draw your particular attention to the section headed "Data Protection Act" and how we may use your personal data.

We are a credit broker and not a lender. We select personal and commercial leasing products from a range of leasing and finance providers having carried out a "fair analysis" of the market in order to identify a suitable product. This means that we have compared products from a sufficiently large range of leasing providers in terms of price, quality of service and suitability in relation to your circumstances.

We source finance and leasing products both directly with lessors, but also in some cases we may use a third party intermediary or manufacturer finance house in order to source the most suitable product for you. You can ask us at any time for details of the leasing providers or intermediaries we use.

Where you have asked us to process a vehicle order, related finance or other services we accept no responsibility for any loss incurred by you arising out of the contract between you and the underwriting finance provider and purported arrangements relating to the supply of any vehicle, save to the extent that such loss is caused by our negligent act or omission.


Our quotations

Our quotations are normally valid for a period of 14 days, however we reserve the right to vary any quotation subject to the following:

  • Manufacturers Price Changes beyond our Control
  • Vehicle Availability
  • Government Changes to Legislation
  • Credit Underwriting Approval
  • Finance Interest Rates
  • Offers withdrawn due to limited availability or changes which are beyond our control

Errors and omissions made within any quotation document are specifically excluded, and we reserve the right to withdraw any quotation as a result.


Credit approval

Our quotations are subject to formal credit approval from our leasing providers, and the right to decline any application without providing a reason is reserved. Additionally, our lenders may impose varied terms on approval, including the provision of enhanced initial payments, or a request for a guarantee or indemnity.

Where an application for credit is declined, or where varied terms are requested by our provider, we will work to manage your expectations, and you shall be under no obligation to proceed with an order until such time as a New Vehicle Order form has been signed by you.

Where delivery of a vehicle exceeds a period of 90 days from the original date we obtained credit approval from our third party underwriting provider, it may be necessary for us to request re-approval. We do not accept any liability for losses incurred by you in the event that our underwriting provider decides to subsequently decline your application. In such circumstances, we will attempt to gain approval through an alternative provider, however, this may be at a different rate to the original signed order.


Delivery of your vehicle

Our quotations include free delivery to any address within the UK mainland. However, we reserve the right to pass on to you any fees or costs we incur as a result of you amending delivery details or aborting a delivery once it has been booked with our supplier.

Estimated delivery dates are our best estimate and based on information provided to us, and you acknowledge that this could be subject to change. For the avoidance of doubt, we are unable to accept responsibility for manufacturer delays which are beyond our control, and in the event of cancellation of our service due to such a delay, a cancellation fee will be payable in accordance with our terms below marked Cancellation of Service.


Exclusions and limitations

The CO2 and P11D values are given as a guide only and are subject to change by the manufacturer.

After you have signed and returned the customer new vehicle order form to us, the options and price can only be changed by signing an amended order form. Any changes are subject to approval by the supplying manufacturer and underwriting approval.

We do not accept responsibility for changes to the financial information section on the customer new vehicle order form in the event of manufacturers price changes or changes to government legislation or any other circumstances which are beyond our control

We do not guarantee title, quality or performance of any vehicle. Whilst we bear no responsibility if you are not satisfied with the vehicle ordered, we will endeavour to liaise on your behalf with the finance provider and the supplier of the vehicle.


Warranties

Other than the implied terms in favour of consumers under legislation, all other warranties, conditions and other terms implied by statute or common law are excluded from this agreement.

However, nothing in this agreement is intended to limit or exclude our liability for death or personal injury or for fraudulent misrepresentation or any liability that may not legally be limited or excluded.


Payment for our services

You will receive a quotation and new vehicle order form which will tell you the total price you need to pay in respect of any lease or service agreement, including any fees, taxes and charges which are separate from the agreement, before your order is finalised.

Unless otherwise agreed in writing by us, we will charge a fee for the provision of our service which serves to cover our costs associated with administering the initial order process, and for providing a high level of care throughout the term of your agreement with us.

Our fee is £198 + VAT (£237.60 inclusive) which may be discounted for an existing client at our discretion, and this is payable within 14 days from the date of order by Bank Transfer, or by Debit or Credit Card. We will provide you with a separate "information notice" about the fee we charge, and you will be asked to sign a confirmation to agree to this fee as part of your order.

Payment of our fee and any other amounts due to us can be made by Bank Transfer or by Credit or Debit Card. We do not charge a fee for processing by Debit Card, however a fee which reflects the amount we are charged by the merchant bank will be levied for payment by Credit Card. We do not accept payment by Cheque. We are unable to authorise delivery of any vehicle without having received cleared funds of all sums to due to us in advance of delivery.


Commission disclosure

We normally receive commission from either the leasing company, the intermediary or the supplying motor dealership. You are entitled, at any time prior to delivery of a vehicle, to request information regarding any commission which we may receive as a result of placing your business with us.


Supplier solvency

Whilst we will endeavour to place business with leasing Companies' and suppliers who are able to demonstrate an adequate level of financial solvency, we cannot guarantee the solvency of any provider. We will not in any circumstances act as the principal leasing company or provider nor guarantee or warrant the solvency of any leasing company or supplier.


Handling client money

We only accept monies which are due to our own business, and under no circumstances will we hold client monies which are due to be paid to any third party leasing company or provider.


Data protection act

We will process any personal information we obtain in the course of providing our services to you in accordance with the Data Protection Act 1998. In administering your business it will be necessary for us to pass such information to Credit Reference Agencies, leasing and finance companies, motor dealerships and other product or service providers which may also provide us with business and compliance support.

If you have asked us to submit an application for the provision of a leasing facility, both we and the lender may carry out a search with a credit reference agency who will record the search. On occasions we may have to try more than one lender from our panel to obtain a credit approval which may result in several searches being registered. Additional information may be required and lenders may on occasions contact employers as part of their checks. Alternative terms may be offered.

Non-payment of credit agreements and default will severely affect your credit rating and may result with the agreement vehicle being repossessed by the lender or action being taken via the County Courts. he way you conduct your agreement is registered with all the Credit Reference Agencies and therefore any default could severely affect your chances of being accepted for credit in the future.

We will never sell your data to a third party. We may also disclose details to relevant parties, as necessary to comply with regulatory or legal requirements. We may contact you or pass your details to other companies associated with us in order to promote products or services which may be of interest to you.

Subject to certain exceptions, you will be entitled to have access to your personal and sensitive data for which you will be charged a fee of £10.00. If at any time you wish us, or any company associated with us, to cease processing any of the personal data we hold, or to cease contacting you about products and services, please write to us at 126-130 Ewell Road, Surbiton, Surrey. KT6 6HA or get in contact.


Financial crime

Concept Automotive Limited are committed to the prevention of money laundering and financial crime. Please be aware that we are required by law to take reasonable steps to prevent financial crime, and as such we may request information from you so as to identify that an application and transaction is genuine and legal. This is called "Know Your Customer" information, and may include a request by us or our underwriting providers for copy or original identification for you, the authorised signatory of a company or a Director of a company.

We are obliged to report to the relevant authorities any evidence or suspicion of financial crime at the first opportunity and we are prohibited from disclosing any such report.

We will not permit our employees or other persons engaged by them to be either influenced or influence others in respect of undue payments or privileged from or to suppliers or clients.


Cancellation of service (commercial / business)

We are instructed by you to commence our service once we receive a signed order confirmation from you. When signing on behalf of a company, you agree that you are authorised to do so by the company.

Once we have received your signed order confirmation and have begun to perform our services, you acknowledge that if you wish to cancel for any reason, you will incur a cancellation fee of £850 + VAT which is reflective of the time and resources committed at the point of order. In addition, there may be a fee payable to the supplying dealership for the vehicle on order for which you will also be liable in the event of cancellation.

In the event that you decide to cancel provision of our services, due to the delay of a vehicle beyond our original estimated delivery date, then you shall remain liable for a cancellation fee of £850 + VAT as described above, except where any delay is beyond 30 days from our estimated date.

Payment of a cancellation fee and any other amounts due to us can be made by Bank Transfer or by Credit or Debit Card. We do not charge a fee for processing by Debit Card, however a fee which reflects the amount we are charged by the merchant bank will be levied for payment by Credit Card. We do not accept payment by Cheque.

Any cancellation of this service agreement will operate to cancel your order for the vehicle and the finance agreement.


Cancellation of service (consumer agreements)

We are instructed by you to commence our service once we receive a signed order confirmation from you. By signing our order confirmation you accept and acknowledge that your right to cancel as stipulated under the Distance Selling regulations is restricted and is not applicable once we commence performance of our service provision.

Once we have received your signed order confirmation and have begun to perform our services, you acknowledge that if you wish to cancel for any reason, you will incur a cancellation fee of £850 + VAT (£1,020 inclusive) which is reflective of the time and resources committed at the point of order. In addition, there may be a fee payable to the supplying dealership for the vehicle on order for which you will also be liable in the event of cancellation.

In the event that you decide to cancel provision of our services, due to the delay of a vehicle beyond our original estimated delivery date, then you shall remain liable for a cancellation fee of £850 + VAT (£1,020 inclusive) as described above, except where any delay is beyond 30 days from our estimated date.

Payment of a cancellation fee and any other amounts due to us can be made by Bank Transfer or by Credit or Debit Card. We do not charge a fee for processing by Debit Card, however a fee which reflects the amount we are charged by the merchant bank will be levied for payment by Credit Card. We do not accept payment by Cheque.

Any cancellation of this service agreement will operate to cancel your order for the vehicle and the finance agreement.


Cancellation of service (default)

We shall be entitled to cancel our provision of service in the event that you materially breach our Terms of Business, and specifically:

a) If you fail to make payment upon demand any sums which are due and payable as per the terms of any order or other agreement you have signed; or

b) In the event that you have asked us to place an order for a new vehicle, and subject to the vehicle being in stock, you have failed to accept delivery within 30 days after our estimated delivery date;

or

c) If you have asked us to place an order for a new vehicle, and subject to the vehicle being available in stock, we have not received the required lease, finance or other agreements as required for us to be able to fulfil your order, within 30 days after our estimated delivery date;

In the event that our provision of service is cancelled due to a breach of our Terms of Business by you, you acknowledge that a cancellation fee of £850 + VAT which is reflective of the time and resources committed at the point of order will be due and payable within 14 days of cancellation.


Force majeure

Our performance under this agreement will be excused if we are unable to perform due to any cause beyond our reasonable control (including but not limited to any labour dispute, act of God, war, act of terrorism, riot, civil unrest, fire, flood, storm, or any computer or internet related failure, error or delay.


Statutory/third party rights

Your statutory rights, including any rights you have as a consumer, are not affected by anything in this agreement. Third party rights under the contracts (rights of third parties) act 1999 are hereby excluded.

If any provision of these Terms is found to be invalid or unenforceable in whole or in part, the validity of the other provisions of these Terms and the remainder of the provision in question will not be affected. These

Terms shall be governed by the laws of England and Wales and the parties agree herewith that any dispute arising out of it shall be subject to the exclusive jurisdiction of the relevant court. These Terms supersede all proposals, prior discussions and representations (whether oral or written) between us relating to our commencement of service provision.


Treating customers fairly

Delivering an exceptional Customer Experience, based on transparency and fair values is at the core of everything we do at Concept Vehicle Leasing. Our aim is always to ensure we treat our customers fairly. Further details can be found in the attached "Roadmap for Success". Our policies and procedures are under continual review to ensure regulatory compliance and that we treat customers fairly.


Complaints procedure

Our aim is always to provide the best possible service at all times. However we recognise that things can go wrong occasionally, and if this occurs we are committed to resolving things promptly and fairly.

We have a formal written complaints procedure and we will be happy to provide you with a copy of this at any time.

If you need to talk to us about any issues you may have, please contact our Customer Services Team on 0800 0432050.

In the unlikely event that we are unable to resolve any complaint to your complete satisfaction, you will be able to refer the matter for free independent conciliation via the British Vehicle Rental and Leasing Association (BVRLA).


Who are we?

We are Concept Automotive Limited T/as Concept Vehicle Leasing. Our registered office is 126-130 Ewell Road, Surbiton, Surrey. KT6 6HA.
Telephone: 0800 043 2050 FAX: 0845 257 2090 E-Mail: support@conceptvehicleleasing.co.uk

Concept Automotive Limited is authorised and regulated by the Financial Conduct Authority. Our Firm Reference Number is 689247. You can check this by visiting the FCA's website www.fca.org.uk or by telephoning the FCA on 0800 111 6768. Our Company registration No. is 04785653. We are registered under the Data Protection Act reference Z2554194. We are accredited by the British Vehicle Rental and Leasing Association (BVRLA) Number 829.