This page sets out the terms and conditions for using www.carleasing-online.co.uk and for engaging us as a credit broker in arranging a finance agreement. Please read these Terms carefully and make sure you understand them before placing an order. By placing an order you agree to be bound by these Terms.
Carleasing-online is a trading style of Mercury Vehicle Solutions Ltd. We are a credit broker authorised and regulated by the Financial Conduct Authority (FCA reg no: 654819) and we are a member of the British Vehicle Rental and Leasing Association (BVRLA member no: 2237).
We may amend these Terms from time to time. The current version is identified by the "Last modified" date at the top of this page. Previous versions are available on request — please email [email protected]. If the Terms change between the date you order and delivery of your vehicle, the Terms in force at the date of your order will apply to your order.
The offers on this site are predominantly Business Contract Hire (for businesses) and Personal Contract Hire (for individuals). Where a different finance type applies, this will be highlighted. If you would like an alternative finance type, please contact us on 0151 356 5629.
Our offers are subject to finance acceptance. Our offers may change at any time. Our offers are conditional on us being able to source the vehicle after acceptance. Some offers are on stock vehicles and while we endeavour to keep stock numbers up to date, this can change quickly. We order through franchised dealerships and our delivery updates come directly from them. We are not responsible for any costs or inconvenience caused by manufacturer or dealer delays beyond our control.
Not keeping up with repayments could result in your agreement being terminated and the vehicle returned to the funder. Your credit rating could be adversely affected, which will make it more difficult to obtain credit in the future.
Our pricing team work to ensure prices are correct, but from time to time a third-party offer may be withdrawn without notice. If this happens we will tell you the offer has ended and offer alternatives where available.
DEFINITIONS
Sometimes terminology can be unfamiliar. The terms below explain some of this terminology. If anything on the site is unclear, please ask.
Cancellation Rights: You have rights to cancel before or during an agreement. These are set out below in the section "PERSONAL CUSTOMERS (CONSUMER)".
Commission: A payment made to us by the finance provider for arranging your finance agreement. We will receive a commission on every agreement we arrange. See our Commission Disclosure for the full position and the £ amount of commission applicable to your specific quote.
Credit Check: In order to secure finance we will pass your details to a finance company, who will search your credit file with credit reference agencies (including but not limited to Experian and Equifax). This search will show on your credit file.
Finance Agreement: Following receipt of your application and the completion of a credit check, we introduce you to a finance provider. You then enter into a finance agreement with that finance provider for the lease of the vehicle identified in your order. We will receive a commission payment from the finance provider — see Commission above and our Commission Disclosure.
Initial Payment / Initial Rental: The first rental payable to your finance provider, collected by the finance company either prior to or shortly after delivery.
Manufacturer: The relevant manufacturer of the vehicle.
Order / Order form: A full description of the vehicle we are to place on order. Responsibility for checking the specification of the car, options, transmission, fuel type and colour lies with you (the customer) before signing and returning. Carleasing-online reserves the right to cancel an order at any time prior to delivery, subject to refunding any fees you have paid.
Order Booking Fee: A fee taken at the point of order which covers part of our administration costs in procuring the vehicle and setting up the finance agreement. The amount of this fee is £300 inc VAT.
Our Site: The images, text, cookies, data and pricing on the site www.carleasing-online.co.uk.
Quote: A price relating to a specific vehicle or vehicles from the parameters as laid out in the quote document. A quote is an indication of price and is not a binding contract.
Services: The services provided by us to you, including but not limited to: quoting, passing your information to finance companies for credit check, ordering the vehicle, providing finance documentation, and arranging vehicle delivery.
Terms of the finance agreement: Each finance company has its own terms and conditions, which are provided to you at the point of signing the finance contract.
Terms of the quote: Including contract length, initial rental amount, annual mileage, excess mileage rate, vehicle and extras.
VAT: Value added tax as provided for in the Value Added Tax Act 1994. Currently VAT is 20%.
Vehicle(s): The vehicle and/or vehicles matching the description and specification as displayed.
OUR VEHICLES
The images on our site are provided by third-party data providers, as is the technical data and specifications of the vehicles. While we endeavour to keep our site up to date, we are not responsible for inaccuracies in third-party data. It is your responsibility as the customer to check:
- The colour of the vehicle — different screens can display colours differently
- The specification of the vehicle being ordered
- The technical specification of the vehicle being ordered
Our images are illustrative of the model only and may not be the exact specification of the vehicle ordered (for example, may have different alloys or styling).
Carleasing-online will not be held responsible for any loss incurred by a customer in reliance on the data held on the site www.carleasing-online.co.uk.
CUSTOMERS
PERSONAL CUSTOMERS (CONSUMER)
You must be at least 18 years old and resident in the UK.
You must hold a current driving licence.
You may be asked to provide proofs of identity as part of the credit check process and may be asked to provide a copy of your insurance before delivery of your vehicle.
The prices shown on our consumer (personal leasing) section include VAT at the current rate.
Personal Contract Hire is regulated by the Consumer Credit Act 1974, even though the agreement is for hire and does not offer the option to purchase.
The Consumer Credit Act 1974 defines a consumer hire agreement as an agreement made by a person with an individual (the "hirer") for the contract hiring of vehicles, subject to the following:
- The agreement is not a hire-purchase agreement
- The agreement must last for more than three months
Cancellation rights — Consumer Contracts Regulations 2013
Where you have entered into the agreement as a distance contract (online, by telephone or by post — that is, without face-to-face contact at our premises), you have the right to cancel the personal contract agreement for a period of 14 days under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.
The 14-day cooling-off period begins the day after the finance agreement is made (signed), determined by the date on which the finance company signs it, not the date you sign.
To exercise your cancellation rights, write to the finance company within the 14-day cooling-off period, stating that you wish to cancel the agreement.
If you exercise your right to cancel, you will be entitled to be returned any money paid by you (or by any person on your behalf) less a charge for any service provided to you under this agreement at your instructions or request, prior to the expiry of the cancellation period.
If you do not exercise your right to cancel during the cancellation period, the agreement will remain in full force and effect, and its terms and conditions will bind you.
Cancellation rights do not apply if the agreement was completed face-to-face with a contract hire company employee or representative on trade premises.
Cancellation by handing the vehicle back early: Early settlement terms are set out in the finance agreement. The norm is that no rebates are due if you wish to hand the vehicle back less than 12 months into the agreement. After 12 months, settlement rebates may be available. Please refer to your finance agreement prior to signing — early termination can prove costly.
CANCELLATION — after the 14-day cooling-off period (broker side)
The broker fee of £250 + VAT (£300 inc VAT) will be retained. This reflects work undertaken up to the point of cancellation. If the fee has not been paid at the point of cancellation, the £300 will become due.
An additional administration fee of £200 (inc VAT) may be charged to cover the costs associated with cancelling the order, including liaison with suppliers and administrative processing.
The total amount payable to us will not exceed £500 (inc VAT). This will be communicated to you at the point of cancellation.
BUSINESS CUSTOMER
You must have authority from the business to enter into an agreement on its behalf.
Accounts may need to be provided as part of the credit process.
The finance company may require an alternative profile (including greater initial payment) if the business has been trading less than 3 years.
We may require personal details of directors of the business for the finance company to carry out personal credit searches as part of the credit process.
Directors may be asked to provide proofs of identity and address as part of the credit process.
Prices stated on the Business section of the site are exclusive of VAT.
OUR RIGHTS TO CANCEL
Should the quote, vehicle, or finance offered become unavailable for any reason outside our control, we reserve the right to cancel the order and you will incur no loss for that cancellation.
Where we cancel an order, we will refund in full any fees you have paid up to that point.
DELIVERY
We will provide you with an estimated delivery date of the vehicle. While we endeavour to achieve these dates, we are reliant on manufacturer updates and vehicles can sometimes be delayed due to (for example, but not limited to):
- Factory shutdowns
- Logistics issues
- Component supply issues
- Other matters outside our control
We aim to keep you informed of updates as we receive them. We cannot be held responsible for any costs incurred due to vehicle delays beyond our control.
PRICING
Our Site contains pricing on many vehicles. It is possible that, despite our best efforts, some of the vehicles listed may be incorrectly priced. If we discover an error in the price of any vehicle, we will contact you to inform you of the error and give you the option of continuing with the order at the correct price or cancelling.
Some of our offers are based on stock vehicles. Stock can change quickly. If a standard car is sold out, we will offer an alternative as best we can; this may include optional extras included in the cost of the lease.
Offers can change or be removed at any time, either by us or by the finance companies we use. If these change during the order process, we will offer you the chance to take the vehicle at the new price or to cancel without penalty.
Any changes in VAT, road tax (VED) or interest rate that occur between order and delivery will be passed on, and where this happens pre-delivery you will be offered an option to can