Terms and Conditions
Welcome to our website ("Website") which is operated by Vanarama, a trading style of Autorama UK Ltd ("Vanarama", "We", "Us", "Our"), a company registered in England & Wales under company registration number (05137709) whose registered office address is Maylands Avenue, Hemel Hempstead, HP2 7DE, United Kingdom. Our Tax identification & VAT number is 842814720. This website is offered to you on condition of your acceptance to the Terms, Conditions, & Policies contained herein.
www.vanarama.com ("Website") is governed by these Terms & these Terms are binding to any contractual agreement with us administrating the provision of our services to you. Information provided on this page explains the Terms on which we supply services to you. Please ensure you have read & understood these Terms carefully prior to placing an order with us.
These Terms were last changed on 29th July 2020. We may amend these Terms in accordance with the information set out in the ' Variations to these terms or variations to your order' section of Terms of Service below. Should you wish to use these Terms for future reference, you should save and/or print out a copy of these Terms for your records.
If you would like to view this document in another format such as large print, Braille or audio, please contact us using the 'Contact us' section of these Terms.
Whenever we've said "You" or "Your", this refers to you as the user or viewer of our website. If you would like to view this document or other documents in another format such as large print, Braille or audio, please contact us using the 'Contact us' section of these Terms.
Using Our Website
Access to our website is permitted on a temporary basis & we reserve the right to withdraw or amend this service without notice. It is your responsibility to make all arrangements necessary to access this website. You are also responsible for ensuring that all persons accessing our website through your internet connection are aware of these Terms, & should you wish to use these Terms for future reference, you should save and/or print out a copy of these Terms for your records.
Your access to & use of our website shall be deemed as acceptance by you of all such Terms. Any continued use of our website following any changes or modifications will also constitute your acceptance of such changes or modifications. You should therefore review these Terms periodically. If you have any questions about these Terms please contact our Customer Support Team, details of which can be found in the 'Contact us' section of these Terms. If you don't accept these Terms or any variations to these Terms in full, you must stop using this website immediately.
You acknowledge that we cannot guarantee that our website will be available at all periods of time or at any specific times. Our website may not be compatible with certain hardware or software you may use, & we cannot guarantee that our website will be free from error, malware, viruses, or other harmful components & you must assume your own precautions accordingly. You agree not to knowingly & without authorization, alter, damage, or destroy, our or another user's, website, device, network, software, program, documentation, or data contained therein.
You further acknowledge that we cannot guarantee the speed or security of the website & we will not be responsible for any damage or loss you may suffer directly or indirectly as a result of any virus attack that may be traced to our website to the fullest extent permissible by law.
Your Reliance & Use Of Information On Our Website
The information published on our website is for general information purposes only & while we have tried to provide accurate & timely information, you should not expressly rely on it. You should seek further advice and/or guidance before taking any action based on the information contained on, or generated by, our website. Similarly, photos & videos are for illustration purposes only. We exclude any liability for any loss or damage arising from your reliance on any information available on our website to the fullest extent permitted by law.
Should you require any further assistance in this regard, please contact our Customer Support Team in the 'Contact us' section of these Terms.
Purchasing Products & Services From Our Website
Where you purchase any products & services from our website, such purchases will be subject to our standard Terms of Service detailed below**.** Any purchase is exclusively subject to & governed by the applicable terms & conditions for the service in question.
Not all the products & services seen via our website are available in all geographical locations or available to all customers. Vanarama reserves the right to decide if you are eligible for any specific product or service. If you choose to enter our website & your country of residence is outside of the United Kingdom, you are advised that it may not be legal in that jurisdiction for you to access or use the facilities available to you on our website & the legal requirements of that jurisdiction may prohibit you from dealing or otherwise transacting with us.
Credit & Insurance Intermediary / Broker Status
Account & User Registration
In order to use certain parts or functions of our website, you may be required to register with us on ourwebsite. Your access to such parts of our website are permitted on the basis that you provide us with correct, current, & complete information about you & only you use your username & password to access such parts of our website.
If you are found to be in breach of any of the Terms on our website, or any of the other terms & Policies referenced in these Terms, both your account & any ability to access & use your account may be terminated with immediate effect by us giving written notice to you using the contact details you gave to us as part of your account & user registration.
Where permissible, if you wish to terminate your account with us at any time, please do so by notifying us in writing or through the appropriate management screens available on the website. Please note, however, that your Content as published on our website will still be visible to others on the website & we may continue to display your Content on the website unless you request for us to remove it in writing, in which case, please refer to the steps outlined in the 'Guidelines for acceptable content'.
Our Security Measures
Where you have created an account with us & registered as a user, you will be asked to create a unique username & password. Please exercise maximum caution in keeping this information strictly confidential & securely sign out from your account when your user session is complete to prevent unauthorised access to your information. Should your username or password be subject to any unauthorised access, you should immediately notify us using the contact details provided in the 'Contact us' section of these Terms.
Any personal information you have provided about you is required to be complete & accurate & where necessary, updated with us periodically so it remains accurate & complete.
Intellectual Property Rights
Our website & all content displayed on our website are protected according to the intellectual property rights that are protected by trademark law, trade secret, copyright laws, or any other legal provision applicable. These rights, whether registered or not registered, include but are not limited to, business names & domain names, logos, trademarks & service marks, copyright & related rights, goodwill & the right to prosecute for unfair competition, moral rights, rights in designs & all other intellectual property rights. These Terms shall in no way be construed as granting any licensing rights to use any such domain name(s) and/or trademarks.
You are not authorised to use our website for any unlawful, abusive, slanderous, obscene, invasive threatening, harassing, violating, or otherwise objectional purpose. You agree not to plagiarise, frame, alter, publish, communicate or distribute, to either a third-party or to the public, our website and/or its contents in any way, including for any commercial purpose, without our prior written consent. You further agree not to otherwise engage in any other actions that violate our intellectual property rights.
Vanarama respects the intellectual property rights of third parties & all legal provisions to protect the interests of those third parties. With the means at our disposal, we take all possible steps to ensure that our website does not infringe the protected rights of third parties. Should you believe that our website infringes any of these rights or applicable laws, please contact our Customer Support Team using the contact details provided in the 'Contact us' section of these Terms. With due verification & investigation, we will proceed to remove the content in question upon written notification of the owner of copyright.
Third-Party Linked Websites
Our website and/or its contents may contain links to websites that are controlled & operated by third parties. Please note, should you decide to visit any third-party website, you do so at your own risk.
Each third-party website has its own guidelines & policies which you should review before proceeding to browse & interact with such sites. Any website links do not imply that we, or our website is, affiliated with such sites & we in no way assume responsibility for the content, accuracy, or opinions expressed on such websites. You assume sole responsibility for use of any third-party linked websites.
Linking To Our Website
You are not authorised to link to our website in such a way to suggest any form of association, endorsement, or approval on our part where none exists. You are not authorised to modify, obscure, or remove in any way any copyright notice, advertisement, or other information used on our website. And, you shall not frame the content of our website & make use of it on any other website.
For non-commercial purposes, you may link to any page of our website only on the basis that you do so in a way that is fair & lawful & does not in any way damage our reputation or take advantage of it. Should you wish to link to our website for commercial purposes or for any other purpose not listed above, please contact us using the contact details provided in the 'Contact us' section of these Terms.
We reserve the right to withdraw linking permission at any time & without notice.
Uploading Your Content To Our Website
By way of uploading any of your content to our website, you hereby grant Vanarama, its representatives, & website users a time-boundless & irrevocable non-exclusive licence to view & use your content without restriction, whether this be for commercial or non-commercial use.
Any content you upload to our website must not contain any information which could be seen to be offensive, discriminatory, threatening, pornographic or indecent, slanderous, incendiary, or in breach of confidence. You must not upload content that is unlawful or infringing & technically harmful, including but not limited to, corrupted data, malware, viruses, malicious software, or other harmful components.
Any content you upload may be removed from our website permanently at any time & we may not retain copies of such content. You should therefore retain any copies of your own content as submitted to us. Vanarama reserves the right to remove your content & cannot guarantee your content will be kept on the website for any definitive time period.
Should you wish to revoke use of your content at any time, please notify us in writing by using the contact details provided in the 'Contact us' section of these Terms where we will endeavour to cease use of any such content. It should be noted that whilst we will make every attempt to cease using any content as informed, we cannot guarantee that your content will not have been published on another website or other media platform. In such circumstances, we may not be able to remove your content.
Using Interactive Media
Interactive media offers unique opportunities for you to engage & interact with our brand. We'd love to hear from you & think it's great that we can communicate our message out to you also. Nonetheless, we need to ensure that such exchanges are done so respectfully & in a qualitative manner.
When you engage with us via social media (e.g. Facebook, Google+, YouTube, Instagram, Pinterest, Twitter, etc.), information shared may be stored on that website's servers, which may be inside or outside of the EU, & this is outside of our control. Please therefore consider the information you choose to publish via social media platforms. Vanarama will never ask you to share personal, account, & security information so please ensure you do not disclose or use any confidential information via any social media platforms.
Vanarama may from time to time advertise or promote financial services or products on social media but it does not directly offer products or financial services on social media websites themselves. Social media is not an appropriate platform to discuss financial arrangements with you & we need to make you aware that any information posted to such websites may be accessed & read by the public. Vanarama does not provide any financial advice or other professional advice via social media, or in any case, & you should always look to seek independent professional advice before making such decisions.
Where third party platforms are used, supplementary terms & conditions of use will apply. Such terms & conditions can be found on the relevant channel's website, country page, or account. Violation of any of these terms & conditions including violation of any of our Terms may result in your use being suspended, blocked, access terminated, & may also result in potential legal ramifications. Vanarama does not condone or allow posts that infringe upon the rights of others.
We always encourage feedback on social media platforms to look for ways where we can continually improve our services & experiences for you. Our social media accounts are regularly updated & monitored by us & we may from time to time engage in conversations with you, but we cannot guarantee to read or reply to all messages sent to our accounts. Please note, any constructive suggestions you make may be reviewed internally but we will not be able to guarantee that any suggestions will be acted upon.
Limitation Of Liability & Indemnity
Your use of our website & our liability to you is limited to only losses you may suffer as a direct result of any breach on our part to these Terms. We cannot accept liability for indirect, special, incidental, or consequential damages or losses that you or your business may incur, including but not limited to, business interruption, any lost data, & profits.
Vanarama accept no liability for any third-party advertisements or third-party partners providing any services to you. Liability for such services shall be in accordance with our standard Terms of Service (see below), with respect to each applicable service.
We cannot accept any liability for any content posted by other users on our website. Should you believe any such content to be an infringement of your rights, or unlawful, please notify us using the details provided in the 'Contact us' section of these Terms or through the functionality of our website so we can look into this for you.
Vanarama does not exclude its liability, if any, to you for any matter for which it would be unlawful for us to exclude or attempt to exclude our liability.
You agree to indemnify Vanarama (its Directors, Officers, Agents, Representatives, Affiliates, & any engaged Staff) against any & all losses, liability, costs, expenses, legal fees & damages arising out of your use of this website where you are found to be in breach of any of the Terms on our website, or any of the other terms & Policies referenced in these Terms. Notwithstanding any claims alleging facts that, if true, would constitute a breach by you of such Terms, including but not limited to, your use of our content & any infringement or damage caused by your content.
You expressly agree that use of this website & its contents used by you in a manner not permissible by these Terms may constitute an infringement of our rights or the rights of our third party licensors & that all parties reserve all rights & remedies against you with respect to any such infringement. You further agree that use of our website & any content contained herein is used at your sole risk & without warranty of any kind, in accordance with applicable legislation & within the limits permitted by it.
Jurisdiction & Applicable Legislation
Our Terms shall be governed by & construed in accordance with the laws of England & Wales. Any disputes arising out of or relating to the use of our website shall be exclusively subject to the jurisdiction of the courts of England & Wales. Our website is intended for the use of customers in the United Kingdom only. If any of these Terms should be found to be unlawful, invalid, or otherwise enforceable by reason of the laws of any state or country in which these Terms are intended to be effective, it shall be severed & deleted, to the extent necessary, from this clause & all remaining Terms shall remain in full force & effect.
Any content published on our website is for information purposes only & should not be construed as a solicitation or offer to buy or sell any securities or related financial instruments. No warranty or representation, either express or implied, is provided in relation to the reliability, completeness, or accuracy of the content, nor are they a complete proclamation of the market, securities, or developments as referred to in these Terms. We are under no obligation to update or keep up to date our website.
Our website may also contain statements that contain 'forward-looking' information of Vanarama's views & future expectations. Uncertainty, risk, & other factors may cause actual developments & results to differ materially from our expectations. Vanarama is under no obligation, & expressly disclaims any such obligation, to amend or update these views of future expectations whether as a result of new information, upcoming events, or otherwise.
Changes & Modifications
Vanarama reserves the right to change or modify the content or format of this website & its Policies or discontinue the operation of this website in its sole discretion & without any advance notice. Any changes or modifications upon posting any revisions on this website are effective immediate.
Terms Of Service
**Business Customer **means a customer that is a business operating in any form, including a sole proprietorship, to whom business services are provided.
Cancellation Period /
**Cooling-Off Period **means as a consumer, you have a legal right to cancel a contract from the date you receive the order confirmation, which is also the start date of your contractual agreement with us. You have 14 calendar days to cancel your contract with us under the Consumer Contracts Regulations. If you want to cancel a credit agreement, the Consumer Credit Act offers you a 14-day cooling-off period to cancel such agreement.
Consumer means the person who enters into a contract in the exercise of such activities or for a purpose connected to this.
**Credit Check **means a credit search where your personal information may be shared with credit reference agencies & finance providers to understand your financial behaviour & assess your application & suitability for finance.
Deposit means monies paid by you as an earnest or security for the performance of a contract or other obligation paid by you at the time of your order for the vehicle.
Direct Debit Payments means the monies that fall due & are payable by the customer by way of recurring, usually monthly, regular direct debit payments.
**Events Outside ****Our Control **means any act or event beyond our reasonable control, including without limitation strikes, lock-outs or other industrial action by third parties, civil commotion, riot, invasion, terrorist attack or threat of terrorist attack, war (whether declared or not) or threat or preparation for war, fire, explosion, storm, flood, earthquake, subsidence, epidemic or other natural disaster, or failure of public or private telecommunications networks.
**Finance Agreement **means an introduction to a panel of lenders outlining the terms of credit to enter into a finance agreement with a lender in order to purchase, hire, or lease the vehicle identified in your order. Such lenders may reward Vanarama by way of payment of commission.
Goods means the goods that we are selling or leasing to you as set out in your order, generally being a new or used vehicle, parts and/or accessories.
**Lender **means a bank, a finance company or leasing company providing financial services.
**Manufacturer **means the relevant business engaged in the manufacture of the vehicle.
**Order **means your order for our goods and/or services indicating that you wish to proceed with an order for the purchase, hire, or lease of a vehicle, whether that be through using our order form or through any other means.
**Quotation **means a quotation offered by us to you in our standard format.
**Services **means the services that we are providing to you as defined or agreed in your order.
**Term(s) **means the terms & conditions set out in this document & for the entire duration of your contract.
**Value Added Tax (VAT) **means value added tax in accordance with the provisions of the Value Added Tax Act 1994.
**Vehicle(s) **means the vehicle(s) referred to in our quotation and/or your order.
Vehicle Reservation Fee means the fee charged by us before your order is processed.
**We / Us / Our **means Vanarama, a trading style of Autorama UK Ltd, a company registered in England & Wales under company registration number (05137709) whose registered office address is Maylands Avenue, Hemel Hempstead, HP2 7DE, United Kingdom.
**Website **means the content of the website located at the domain name(s), & all copyrights forming the website operated by 'Us' as registered under the domain name www.vanarama.com.
You / Your means the person or business who has entered into this contract for whom Vanarama has agreed to perform its services.
Our Business Policy
We offer goods and/or services on our website, & our e-commerce business services are exclusively available to our end users i.e. our consumers & business customers.
In accordance with your requirements, our services are provided to you by sourcing a vehicle for you & by offering financial products & services at your request. Please note, we are not a lender. Vanarama are authorised & regulated by the Financial Conduct Authority (FCA) as both a credit intermediary & insurance intermediary, under registration number (630748). Please click here for further information: https://register.fca.org.uk/ShPo_FirmDetailsPage?id=001b000000bWPAOAA4. Vanarama is also a broker member of the British Vehicle Rental & Leasing Association (BVRLA) & is licensed for credit brokerage under the Consumer Credit Act 2006.
Where you purchase any goods or services from our website, such purchases will be subject to standard terms of service. Any purchase is exclusively subject to & governed by the applicable terms & conditions for the service in question. Please note, we do not offer a whole market option for consumer credit, we offer & provide goods or services from a select panel of lenders & manufacturers.
So that we can provide you with our services, we may request certain information from you & where such information is required, we will contact you using the contact details you have provided. If after being asked by us you do not provide this information or provide us with incorrect information, we may levy a reasonable additional charge to cover any extra work that is required by us, or we may suspend our services altogether by giving you appropriate written notice. Vanarama will not assume any liability for any non-performance or delays as a result of you not providing the information that we asked you for.
Vanarama shall make every effort to fulfil its services on time, as may be agreed or set out in the order, however, there may be instances where you experience delays with our services due to events that are outside of our control. Please refer to the section 'Events outside our control' in these Terms for further information on our responsibilities should such circumstances occur.
With respect to any services involving any inspection, repair, or contemplated repair, you, on our behalf, are responsible for ensuring the safe driving of the vehicle both on the road & elsewhere. Where in any case a driver has the authority to deliver or collect any goods, Vanarama will not be liable to you for any loss or damage resulting on the grounds of such driver.
For any goods relating to a part-exchange & for any goods supplied by or lent by us, you agree to indemnify us for any fines & charges incurred by you or on your behalf.
During the course of providing our services, all parts of a vehicle removed by us shall, & where not claimed by you within 14 days after completion of the services, be deemed to be wholly abandoned to us & shall in accordance become our absolute property.
We may suspend our services if you default on any of your payments when you are not supposed to & as set out in the 'Price & payment terms' section of these Terms.
You have certain legal rights, as a consumer, in relation to any services not carried out with reasonable care & skill, or if the materials we use are faulty or not as described. Nothing in these Terms will affect these legal rights. Further advice about your legal rights is available from your local Citizens Advice Bureau or Trading Standards office.
We have a dedicated GAP & Insurance department who can provide you with quotes for GAP insurance & motor insurance.
We are authorised for non-advised sales which means we can provide you quotes & information about the policy & leave you to make the decision about whether the product is right for you or not.
We can provide you with a quotation for goods and/or services & tailor this to your requirements. In the instance you fail to however, specify any extras, options, or any other requirement, or fail to adequately describe your requirements to us, Vanarama will not assume any liability in this regard.
Whilst we will make every effort to ensure that the information provided by us on our quotes is accurate, free from error & omission, such information is specifically excepted.
Where a quotation has been provided for goods & any associated standard equipment, manufacturer's warranty, & any breakdown cover provided as part of such warranty, such information is subject to changes beyond our control & have been provided to you on an informal advice basis only. Vanarama will not assume liability for any losses arising as a result of any inaccurate information. It is your responsibility to ensure that any goods and/or services are fit for the purpose for which you intend them to be, & you should verify with any manufacturer the accuracy of any information your decision is based upon.
You expressly agree to notify us if you have negotiated any terms with a manufacturer or any other party which will affect the quotation being provided to you. In the instance where any payments due to us are not paid arising as a result of your terms overriding ours, we will invoice you for the amounts owed to us for which you will be liable to reimburse us for within 7 calendar days.
Please note, the finance packages offered to you on quotation, save otherwise stated, are offered as fixed-rate, fixed-term contracts. Any rental costs varying in response to fluctuations in VAT, Corporation Tax or other taxes, charges & rebates which may be revised at any given time are not precluded. Any contract you sign with a lender will incorporate in its terms & conditions details of any variations to any rentals or payments.
Any delivery timescales quoted are for indicative purposes only. Whilst we will make every effort to ensure that we meet the indicative timescales quoted, we cannot assume any liability for any descriptions arising out of a delay in delivery due to events outside our control. Please refer to the section in these Terms under 'Events outside our control' for further information.
Vanarama reserves the right to withdraw any quotations provided for any reason & at any time. This includes, but is not limited to, a change in costs, manufacturer's prices, maintenance prices, & a change in any residual value.
We will endeavour to cover your vehicle specifications requirements as accurately as possible but we are unable to ensure we cover every requirement in every circumstance due to the vast array of vehicles & their varying specification levels. With this in mind, please check your chosen vehicle's specifications in line with the vehicle on your order confirmation to ensure all your requirements are met – we are always happy to answer any questions you have on this.
An additional maintenance option is available for most vehicles, where maintenance has not been opted for it is the customers responsibility to ensure the vehicle is maintained within the manufacturer's guidelines at an approved garage (approved garage is defined as a VAT-registered garage that uses genuine manufacturer parts)
We offer a range of finance products through our finance providers, where possible we can advise on these products to find one that suits your needs & requirements, further information on these products can be found here.
We sometimes offer Pre-Registered vehicles. Customers will be made aware if their vehicle is a pre-registered vehicle. For the avoidance of doubt, pre-registered vehicles are not used vehicles, they have been registered by the dealer to lock in better discounts which we pass on to you, the customer, as part of our Price Promise. The manufacturer's warranty on a pre-registered vehicle will run from the date of registering & not from the date of delivery. Similarly, MOTs will need to be carried out 3 years from date of registration. On some contracts the vehicle tax will run from the date of registration. For Contract Hire you will have Road Tax covered for the full term of your agreement regardless of whether the vehicle is pre-registered or not.
All diesel vehicles have Diesel Particulate Filters (DPFs), this is a part of the engine designed to reduce emissions which has specific requirements. For more information on what this means to you please see your vehicle's handbook for further instructions.
Some diesel vehicles use AdBlue, a solution that reduces emissions, there will be a filler cap on your vehicle to top this up. This does not form part of a maintenance agreement & is your responsibility to maintain. For more information on what this means to you please see your vehicle's handbook for further instructions.
Contract Formation Of Engaging Parties
Any phrases introduced by the terms "including", "include", "in particular" or any similar expression shall be construed as illustrative & shall not limit the sense of the words preceding those terms or the generality of the related general words.
This contract between you & Vanarama is formed of & incorporates these Terms & any additional Attachments, Schedules & Annexes as may be amended from time to time. We consider that these documents together with the order & order confirmation constitute the whole agreement between you & us. These Terms are the terms & conditions in which we will supply goods and/or services to you. Please ensure you read these Terms carefully & check that the Terms & details on any written order are complete & accurate before you sign & submit to any written order or any order through other means.
Should you wish to place an order with us, our sales representative & website can guide you through the steps required to fulfil your requirements. You may at this point be required to pay a Vehicle Arrangement Fee and/or a deposit (Vehicle Reservation Fee) to secure any goods. This can be paid by debit or credit card. The Vehicle Reservation Fee (deposit) will be refunded to you on the day your vehicle is delivered & will reach your account in 3 to 5 working days. Should you decide to cancel your order the full Vehicle Arrangement Fee & Vehicle Reservation Fee will be refunded to you. Please do ensure your requirements are accurate prior to placing any order with us. In any event, if you realise an error has been made by you in your order, please notify us within 7 hours following submission of your order request.
Please note, that once you have signed & submitted an order with us, you should receive an email from us to acknowledge receipt of your order. Such notification does not in any way imply that we have accepted your order for any goods and/or services, & in no way does it imply that your order has been accepted or that a contract between us has been formed by way of supplying you with any goods and/or services. Should we be unable to supply you with the goods and/or services, we won't be able to process your order & will in accordance notify you of this. If any payment has been made by you to us, we shall, as soon as is reasonably practicable, & in any event refund the full amount paid to us without interest within 7 calendar days.
Should your order be accepted, we will provide & assign an order number to you once your order has been accepted by us at which point these Terms will become legally binding on both you & us. For the existence of doubt, we will contact you to notify you that we have accepted your order & issue you with written acceptance of your order confirmation, at which point this contract will become legally binding between you & us. Please quote this order number in any following correspondence with us.
Upon sourcing the goods for you, your order details will be shared with our select panel of lenders where you will enter into a separate finance agreement with them. At this stage, we will start to perform our services.
Should any Terms conflict with any terms of the order confirmation, the order confirmation will take precedence.
Please note, credit facilities are subject to status & guarantees may be required.
You accept that any finance package being quoted to you has been selected by you & is in reliance to your own skills & judgement. Vanarama can only provide general advice with regards to the various finance packages on offer. We are not privy to information which might materially affect the suitability of any specific financial package being offered to you & we cannot provide any financial advice in this regard. We recommend that you consult with an independent financial or tax advisor, accountant, or another qualified professional prior to making any financial decision.
When a finance application is received from you, your personal information and/or business information will be disclosed to a select panel of lenders for the purpose of considering your finance application. You must guarantee the accuracy & authenticity of all information & all documents you provide in this regard. The lender will then use the information provided to carry out a credit check.
In order to assess your application for finance, the lender may use an automated process called credit scoring which is a statistical analysis method used to assess your creditworthiness. Should your application for finance be declined as a result of this automated technique, your application may be reviewed manually upon request.
When a finance application is received from a business, information may be sought by both Credit Reference Agencies & Fraud Prevention Agencies on the company's Directors, Partners, or Principal, as individuals. Please ensure you are authorised to disclose any such information about any of the guarantor's, co-applicant's, or other persons referred to us by you in connection to any finance application. Please also ensure you have the relevant authority to authorise the lender to search & record information at Credit Reference Agencies about you, & each guarantor or co-applicant. Please note, an association which links the financial records of each party referred to will be formed at the Credit Reference Agencies.
For the sole purpose of assessing your finance application, the lender may disclose to us any relevant information that they may currently hold regarding you, a guarantor, or co-applicant. You agree to be bound by the terms & conditions of the finance agreement when entering it & you agree that further terms & conditions will apply when making a finance application to us. Such terms & conditions are available on request.
As a condition of the lender's acceptance of your finance application, you will be required to provide any information that the lender requires.
For Vanarama or any lender to comply with relevant regulations & applicable legislation for the prevention of money laundering & fraud, you expressly agree to, at any time & on demand, conform to any request(s) made by either party.
Variations To These Terms Or Variations To Your Order
From time to time, these Terms may be revised by us. Circumstances which give rise to such changes include, but are not limited to, changes in any applicable laws & regulatory requirements, changes in how we can accept payments from you, & any changes which require us to implement minor technical adjustments & improvements e.g. to address a safety issue.
Should you wish to make any changes to your order, please contact us using the 'Contact us' section of these Terms. If such changes can be accommodated by us, we will look to fulfil these. This may impact the price of our services, the timing of supply, or anything else which is required as a result of your request to change. We will always obtain your explicit confirmation to determine whether you wish to proceed with such changes. Should any changes, or any consequences as a result of making such changes, be unacceptable to you, you may decide that you wish to cancel the contract. Should you wish to cancel an order before it has been fulfilled, please refer to the section under 'Your cancellation rights as a consumer'.
For any goods made-to-your-requirements, please note, we will not be able to cancel an order once it has been made & any variations to your order may result in a change in the price of the goods and/or services.
Please do ensure your requirements are accurate prior to placing an order with us. Vanarama are unable to accept the return of goods should the reason for your return be because you provided us with incorrect information. Please note, this does not affect your statutory legal rights as a consumer, if goods are faulty or not as described. Advice about your legal rights is available from your local Citizens' Advice Bureau or Trading Standards office.
You accept that any goods chosen by you are with reliance to your own skills & judgement & Vanarama has not chosen or inspected the goods or provided any express representation, warranty or term as to the quality, description, fitness for purpose, or otherwise of such goods. We exclude all implied representations, warranties or terms in relation to the goods, including satisfactory quality & fitness for purpose, to the fullest extent permissible by law.
Any description of goods marked as "new" does not in any way imply that you are the first registered keeper & such goods may have been registered to another party prior to being re-registered to you.
You agree to assume responsibility for ensuring goods are appropriately maintained & serviced in accordance with the terms of any finance agreement where applicable & in accordance with the manufacturer's standards.
You agree not to resell any goods for commercial purposes. We may suspend and/or cancel the contract by providing written notice to you should there be any breach to this warranty. You will be liable for any costs, expenses, damages & losses (including, but not limited to, any direct, indirect, or consequential losses & all interest, expenses, legal & professional costs, & penalties) suffered or incurred by us as a result.
Part Exchange Goods
Such provisions shall apply where goods are being part exchanged & we have agreed to take such goods in payment or part payment of a deposit, advance payment or advance rental, or in payment or part payment of a vehicle invoice.
Where a valuation has been provided by us, for any goods to be supplied by us to you, either as part exchange or otherwise for any goods, such valuation is to be used as a guide only & this in no way represents any binding offer to purchase such goods until we have examined them. Any information you provide us, with respect to part exchanged goods, must be of material fact for us to rely upon.
You must provide us with any material fact which will affect our decision to accept the part exchange goods or our valuation thereof. You agree to indemnify us against any loss we incur as a result of your failure to provide us with any material fact which affects our ability to resell the goods in part exchange, or that which affects the value we receive upon selling the goods to be part exchanged.
Vanarama reserves the right to re-value the part exchanged goods at the time of purchase to review current market values, age, mileage, condition, wear & tear, & any other factors we may deem relevant.
If a part exchange has been accepted by us as part payment for any goods, you expressly agree & represent that you are the registered legal owner of such goods & that no outstanding credit is owed on it & no agreements of any kind have been secured on it or by reference to it. Should there be any outstanding credit on the vehicle, we will deduct from you the amount of any outstanding credit. Where the part exchange of goods has been accepted by us, we will provide you with a part exchange offer letter confirming the details of our valuation & the information you provided to us detailing such part exchange.
Part exchange goods must be delivered to us on or before we deliver any goods or collect any goods from you. From the date you deliver such part exchange goods to us, as between us & you, Vanarama will be the legally registered owner of such goods. By delivering the part exchange goods to us, you warrant that such goods will be in the same condition as previously agreed & described to us (subject only to fair wear & tear & reasonable increase in mileage), & as at our sole discretion.
Where we have accepted part exchange goods as part payment from you & you arrange for a lender to purchase such goods, we shall be authorised to notify such lender of the valuation agreed by us to be deducted from the price of the goods for the part exchange & any deposit you have paid to us.
Vanarama reserves the right to, at our discretion, agree with you a reduced part exchange value for the part exchange goods.
Vehicle Hire Goods
Such provisions shall apply where we agree to provide hired goods for any reason.
Hired goods are only authorised to be driven by you or by a driver authorised by you.
Any hired goods must be kept & maintained in a good condition & any repair throughout the period the hire goods remain in your custody & control, is at your own expense & is inclusive of any damages howsoever caused. Whilst in your custody & control, you are also obligated to comprehensively insure any hired goods & shall be liable for any uninsured excess.
Any monthly cost for the hire of goods shall be agreed with you in advance of hire & shall be subject to an advance payment for each monthly period. Should the hire terminate prior to the end of a monthly period, a pro-rata refund will be calculated.
Any breach of any legal requirement relating to the use, or possession of the hired goods by you shall be your liability & this includes, without prejudice to the generality of the foregoing, any fines, penalties, costs, charges or other liabilities that may be incurred in respect of the hired goods for which you shall indemnify us for on demand against. Should you, for whatever reason, fail to pay such sums promptly, we may through no obligation, settle any such sums ourselves. You will be liable to reimburse us for such sums within 7 calendar days of our demand.
Any hired goods must be returned with the same level of fuel with which it was delivered. In the instance where hired goods are not returned to us in this condition, you will be liable to pay the sums required to refill the goods to the initial fuel consumption level.
Collection, Delivery & Delivery Charges
Please note, delivery timescales & delivery charges will vary dependent on the availability of goods & your geographical location. Delivery timescales may also be impacted by an event outside of our control. Please refer to the section in these Terms under 'Events outside our control' for further information.
Delivery of an order shall be completed when either the goods are delivered to the address you provided us with or where you decide to collect such goods from us or our representatives. Should a failed attempt at delivery arise as a result of no persons at the premises being available to take receipt of the delivery, we will leave a note to state this. The delivery will then need to be re-arranged & further charges may be levied to you.
You assume responsibility of the goods upon delivery or collection. If for whatever reason we are unable to deliver your order's entirety at any one given time arising as a result of operational reasons or shortage of stock, your order may be delivered in instalments. You will not be charged additional delivery costs for this but in any instance where you expressly ask us to deliver the order in instalments, you may be charged additional delivery costs for this service. Please note, each instalment will constitute a separate contract governed by these Terms. You are not authorised or entitled to cancel any other instalments in any event an instalment is faulty or where we may have been delayed in delivering an instalment to you.
Nothing in these terms shall constitute any obligation for us to arrange delivery of any goods by any specified time or date.
We will register your vehicle & deliver it to your specified address within Mainland UK free of charge.
Mileage on the clock of your vehicle on delivery does not count towards your contracted mileage allocation. A note will be made of your mileage on your delivery note.
While we endeavour to meet or better the estimated delivery dates, as stated, these are estimated. Circumstances can arise out of our control whereby vehicles are delayed either in manufacture or delivery. In these situations, we will keep you informed of any updates.
Prior to delivery we are required (by finance providers) to show proof of insurance on the vehicle. In these instances, the finance applicant will need to be seen on the certificate either as main policy holder or as a named driver.
On delivery of your vehicle we hope everything is as ordered, on the rare occasion that is not the case, please ensure you detail the issues on the delivery note & contact us immediately. We are not able to accept any liability of damage not detailed on a delivery note.
- Customers have the right to return their vehicle up to 30 days after delivery. The vehicle must have a maximum of 50 miles over the delivery mileage (as per the delivery mileage stated on the Delivery Acceptance Note) on the clock.
- The vehicle will be inspected to BVRLA Fair Wear & Tear standards although each funder has their own set of guidelines. You will be liable for any damage not covered by your funder's fair wear & tear guidelines.
- For more information on our returns policy, click here.
Excess Mileage, & Fair Wear & Tear
Mileage limits are pooled – even though you might select 10,000 miles per year, with a 3-year lease you actually have 30,000 to use across the term. Handing the vehicle back (on relevant leases) with excessive mileage will incur charges.
Additionally, for contracts whereby the vehicle is handed back at the end, if the vehicle is outside of 'Fair Wear & Tear' then additional charges will be incurred.
For agreements whereby the vehicle is retained at the end of the term, excess mileage charges along with Fair Wear & Tear conditions are not applicable, but usage of the vehicle will affect its residual value.
Mid-Contract Adjustments & End of Contract
We have a dedicated team for mid-contract adjustments, along with an End of Contract team who will provide you with your options.
We will facilitate mid-contract adjustments (e.g. increasing mileage allowance) between you & the funder throughout the term of your agreement where possible, in line with funder Terms & Conditions.
Unlike other brokers, we do not charge an administration fee for these adjustments.
Non-Payment – Important Information
Non-payment of credit agreements & default will severely affect your credit rating & may result with the agreement vehicle being repossessed by the lender & or action being taken via the County Courts. The way you conduct your agreement is registered with all the Credit Reference Agencies & therefore any default could severely affect your chances of being accepted for credit in the future.
Price & payment terms
Prices quoted for personal leasing include VAT, with VAT always charged at the standard prevailing rate.
Prices quoted for business leasing exclude VAT, with VAT always charged at the standard prevailing rate.
Some of our lenders may charge an administration fee to set up your agreement.
We may receive a commission or other benefits from finance providers should you decide to enter into an agreement with the finance provider we have introduced you to.
The price of our goods and/or services can be found in your Vehicle Order Confirmation, the FCA Initial Disclosure Document & Credit Information Notice. as in force at the time we confirmed your order with you. Our prices are indicative & subject to change at any time; such price changes will not affect any orders that we have already confirmed with you. Please note however, that whilst we make every effort to ensure that the prices provided by us on our Vehicle Order Confirmation are accurate, & free from error & omission, there may be rare cases where our goods and/or services have been incorrectly priced. Where such pricing errors are obvious, unmistakeable, & could reasonably be identified by you as mispricing, we are not obliged to provide any goods and/or services to you at the incorrect (lower) price.
Any indicative prices shown with respect to any goods and/or services may be presented inclusive or exclusive of VAT & you are liable to pay VAT. For business customers, any indicative prices shown with respect to any goods and/or services will be exclusive of VAT. Should the VAT rate change between the date of the order & the date of delivery or performance, the rate of VAT that you are required to pay will be adjusted, unless you have already paid for, in full, any payment for the goods and/or services before the change in the VAT rate takes effect.
Unless otherwise agreed by us, the prices for goods exclude any delivery costs & such charges will be added to the total amount due. Unless also agreed otherwise by us, for any goods being supplied to you, you must pay a vehicle arrangement fee and/or deposit by credit or debit card to secure any goods. Please note, we will not charge your credit or debit card until the goods have been dispatched to you.
For all monies owed to us by you, Vanarama shall have a general lien on your goods, inclusive of any vehicle & its contents.
Where we provide any of our services to you, we may ask you to make an advance initial payment of the price of such services. Your rights to a refund on cancellation are set out in the 'Your cancellation rights as a consumer' section of these Terms.
You agree to make all recurring, usually monthly, regular payments by direct debit including any other payments as they fall due. Any direct debit payments due have been calculated using the current rates of VAT. Should the rate of VAT change, we will adjust the total payment amounts due to reflect the new rate of VAT. You agree to pay any applicable adjusted payments.
Initial Rental Payments & Subsequent Rentals
Initial rentals are usually taken from your account 7-10 days after delivery by Direct Debit. All subsequent rentals will be taken monthly following that first payment. Some agreements will require the initial rental to be paid prior to delivery, you will be made aware in advance if this applies to your order.
Fees We Charge
We may charge a Vehicle Arrangement Fee, if so, details will be disclosure you are part of the sales process & will be outlined in your initial disclosure document.
We may require a Vehicle Reservation Fee (a deposit), typically £500, which is fully refundable on delivery or should you cancel.
Our Vehicle Arrangement Fee & any deposit being paid can only be administrated by a debit card or credit card. Vanarama accepts all major cards: Visa, Visa Debit, Visa Electron, Mastercard & Maestro.
Should you receive an invoice which you dispute, in good faith, please contact us using the 'Contact us' section of these Terms to notify us of such dispute.
Nothing in these Terms will affect your legal rights, as a consumer, if goods are faulty or not as described. Advice about your legal rights is available from your local Citizens' Advice Bureau or Trading Standards office.
For Contract Hire, Personal Contract Hire & Finance Lease agreements, please be advised that you will not own the vehicle at the end of your contract; the lender is the registered owner & keeper of that vehicle.
Not all the goods & services seen via our website are available in all geographical locations or available to all customers. Vanarama reserves the right to decide if you are eligible for any specific goods or services.
If you choose to enter our website & your country of residence is outside of the United Kingdom, you are advised that it may not be legal in that jurisdiction for you to access or use the facilities available to you on our website & the legal requirements of that jurisdiction may prohibit you from dealing or otherwise transacting with us.
Terms For Consumers
Please note, this section is only applicable for consumers.
Any indicative prices shown with respect to any goods and/or services may be presented inclusive or exclusive of VAT & you are liable to pay VAT.
Terms For Business Customers
Please note, this section is only applicable for business customers.
Any indicative prices shown with respect to any goods and/or services will be exclusive of VAT.
This contract constitutes the entire agreement between you & us, & these Terms inclusive of any order, order confirmation, & any approved variations to the order supersedes & nullifies all previous agreements, warranties, representations, promises, assurances, & understandings between us, whether written or verbal, in pertinence to the subject matter.
Prior to any engagement with us, please ensure you have the relevant authority from the business on whose behalf you are entering into any contract with us.
Your Obligation To Us
You oblige to furnish such information to us that may be necessary for us to perform our services and/or provide goods to you. You further oblige to ensure that you will co-operate with us in all matters pertaining to the goods and/or services we provide.
Events Outside Our Control
Vanarama will not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations under a contract that is caused by an event outside our control.
If events outside our control take place & this affects the performance of our obligations to you under a contract:
we will contact you as soon as reasonably possible to notify you; and
our obligations under a contract will be suspended. The time for performance of our obligations will be extended for the duration of such event outside our control. Where an event outside our control affects our delivery of products to you, we will arrange a new delivery date with you after such event outside our control is over.
Should you wish to cancel your contract if an event outside our control takes place & you no longer wish for us to provide the goods and/or our services, please refer to the section under 'Your cancellation rights as a consumer'. Vanarama shall only cancel the contract if an event outside our control persists for longer than 6 weeks & in accordance with 'Our cancellation rights' which are outlined in these Terms.
Your Cancellation Rights As A Consumer
Please note, the provisions in this section ('Your cancellation rights as a consumer') of these Terms only apply if you are a consumer.
As a consumer, under the Consumer Contracts (Information, Cancellation & Additional Charges) Regulations 2013, & within the definition of those Regulations, you have the lawful right to cancel the contract during the cancellation period / cooling-off period as defined in these Terms.
This includes where you choose to cancel a contract because we have been affected by an event outside of our control or where we change these Terms as defined under the section 'Variations to these terms or variations to your order'. This means that during the cancellation period / cooling-off period, should you decide for whatever reason that you do not want to receive the goods and/or our services, please notify us using the 'Contact us' section of these Terms & you will be reimbursed for any secured deposits or payments made in advance without interest.
Your lawful right to cancel a contract commences from the date you receive the order confirmation, which is also the start date of your contractual agreement with us. You have 14 calendar days to cancel your contract with us under the Consumer Contracts Regulations. Advice about your lawful rights is available from your local Citizens Advice Bureau or Trading Standards office.
Should you decide to cancel an order with us, & you have secured with us any payment in advance of goods and/or services that have not yet been provided or delivered to you, you will be reimbursed for such amounts without interest. However, should you choose to cancel an order, for any of the reasons listed in this section above, & we have already commenced any work on your order for goods and/or services by the time we are required to cancel, you will be required to pay us any costs we have reasonably incurred in starting to fulfil your order. This charge will be deducted from any refund that is due to you. Where no refund is due to you, such costs will be invoiced to you & we will affirm these costs with you when you contact us to make the cancellation. If, however, excluding any events outside our control, you have cancelled an order with us due to our failure to comply with these Terms, you are not required to make any payments to us.
In the instance where you have cancelled an order for goods, & we have already dispatched these goods to you, we are unable to cancel your order until it has been delivered. In the instance this happens, & the goods are returned to us, you will be charged for the cost of collection or will need to pay to have the goods returned to us. This in no way affects any applicable refund that is due to you but any charge for collection will be deducted or invoiced to you.
Your cancellation rights are reserved in that once we have commenced providing our services to you, you may cancel the contract for our services at any time by providing us with a minimum of 30 calendar days' notice in writing. Where you have secured with us any payment in advance of any goods and/or services that have not been provided or delivered to you, you will be reimbursed for such amounts without interest.
You reserve the right to cancel the contract for our services at any time & with immediate effect by providing us with written notice. Such cancellation Terms will be enforced where any of the Terms of this contract are breached by us in any material way & we fail to rectify the situation within 7 days of you asking us to do so in writing. You also reserve the right to cancel the contract should we, change these Terms to your material disadvantage, enter liquidation, or a receiver or administrator is appointed over our assets, or for any affected events outside of our control.
These cancellation rights will not apply where you have requested our services to be performed during the cancellation period & you have accordingly acknowledged your responsibility to pay the deposit, or reasonable sums falling due, for our services during the cancellation period. These cancellation rights will also not apply where you have placed an order for goods which have been made-to-your-requirements as we are not able to cancel an order of this type once made.
Our Cancellation Rights
Should we be required to cancel an order for any goods and/or services prior to the delivery of such goods or prior to commencement of our services, your cancellation rights in pertinence to this have been listed under this section of these Terms.
We shall promptly notify you in any instance where a cancellation made by us is due to an event outside our control or due to the unavailability of goods, or in the case of services, any unavailability of key personnel or key materials without which we cannot provide our services.
Please note, if we need to cancel an order for the reasons listed above & you have secured with us any payment in advance of goods and/or services that have not been provided or delivered to you, you will be reimbursed for such amounts without interest. Where we have already commenced any work on your order for goods and/or services by the time we are required to cancel, you will not be charged for this and/or be required to make any payments to us.
Our cancellation rights are reserved in that once we have commenced providing our services to you, we may cancel the contract for our services at any time by providing you with a minimum of 30 calendar days' notice in writing. Where you have secured with us any payment in advance of any goods and/or services that have not been provided or delivered to you, you will be reimbursed for such amounts without interest.
Vanarama reserves the right to cancel the contract for our goods and/or services at any time & with immediate effect by providing you with written notice. Such cancellation Terms will be enforced where you have defaulted on any payments or have not paid us in accordance with the Terms set out under the 'Price & payment terms' section of these Terms. This will not affect our right to charge you interest in accordance with the Terms set out under the 'Price & payment terms' section.
Vanarama also reserves the right to cancel the contract for our goods and/or services should any of the Terms of this contract be breached by you in any other material way & you fail to rectify the situation within 7 calendar days of us asking you to do so in writing.
A manufacturer's warranty is in addition to your legal rights, as a consumer, in relation to any vehicle that may be deemed faulty or not as reasonably described. Should you need any advice about your legal rights, your local Citizen's Advice Bureau or Trading Standards office may be able to help.
Where applicable, the terms & conditions of the manufacturer's warranty will be provided upon request or can be obtained directly from the manufacturer.
From time to time, we may present you with promotional offers. Terms & conditions for such promotions will be made available to you at your request & in all instances, will be published on our website.
Our Liability To Consumers
Should we fail to comply with these Terms, we assume responsibility for loss or damage you suffer that is a foreseeable result arising from our breach of these Terms or our negligence. We cannot assume responsibility for any loss or damage that is not foreseeable. Loss or damage is foreseeable if it arose from an obvious consequence of our breach or if they were contemplated by both you & us at the time both parties entered the contract.
Our liability to you is limited to only losses you may suffer as a direct result of any breach on our part to these Terms. We cannot accept liability for indirect, special, incidental, or consequential damages or losses that you or your business may incur, including but not limited to, business interruption, any lost data, & profits. Vanarama does not exclude its liability, if any, to you for any matter for which it would be unlawful for us to exclude or attempt to exclude our liability.
Our Liability To Business Customers
Our liability to you is limited to only losses you may suffer as a direct result of any breach on our part to these Terms. We cannot accept liability for indirect, special, incidental, or consequential damages or losses that you or your business may incur, including but not limited to, business interruption, any lost data, & profits. Vanarama does not exclude its liability, if any, to you for any matter for which it would be unlawful for us to exclude or attempt to exclude our liability.
Where a vehicle has been sourced for you and/or any claim is made against us by a third party (including, but not limited to, a lender) arising out of or in connection with the provision of our services to the extent that such claim arises from the cancellation of this contract and/or cancellation of any finance agreement by you, you agree to indemnify Vanarama & hold us harmless against all reasonable & properly incurred liabilities, costs, expenses, damages & losses (including, but not limited to, any direct, indirect, or consequential losses & all interest, expenses, legal & professional costs, & penalties) suffered or incurred by us as a result.
Transfer Of Our Rights & Obligations
We may transfer our rights & obligations under these Terms to another entity. In the instance this does occur, this will not affect your rights or our obligations under these Terms & we will always notify you in writing of any such event.
Should we fail to insist that you perform any of your obligations under these Terms, should we not enforce our rights against you or delay in doing so, this in no way constitutes that we have waived our rights against you & does not imply that you do not have to comply with such obligations. Should any defaults by you be waived by us, this will be expressly done so in writing & does not imply that we will automatically waive any subsequent defaults by you.
Transfer Of Your Rights & Obligations
The Terms of this contract are between you & us. No other person shall have any rights to enforce any of its Terms. You may only transfer any of your rights & obligations governed by these Terms to another person or entity if we agree to this in writing.
Should you wish to transfer the benefit of any warranty as defined under the 'Manufacturer's warranty' section of these Terms, neither parties to this contract will need their consent to cancel or make any changes to these Terms.
No Rights Of Third Parties
The Terms of this contract are between you & us. No other person shall have any rights to enforce any of its Terms, whether under the Contracts (Rights of Third Parties) Act 1999 or otherwise. Neither party to this contract is required to obtain the agreement of any other person in order to end the contract or make any changes to these Terms.
Jurisdiction & Governing Law
Our Terms shall be governed by & construed in accordance with the laws of England & Wales. Any disputes arising out of or relating to the use of our website shall be exclusively subject to the jurisdiction of the courts of England & Wales. Our website & any associated Terms are intended for the use of customers in the United Kingdom only. If any of these Terms should be found to be unlawful, invalid, or otherwise enforceable by reason of the laws of any state or country in which these Terms are intended to be effective, it shall be severed & deleted, to the extent necessary, from this clause & all remaining Terms shall remain in full force & effect. Nothing in these Terms shall affect your statutory rights.
If you require any further information from us, wish to make a complaint about our service, or need to report any defect with your vehicle, please contact our Customer Support Team using our contact details below where we shall endeavour to answer your queries or help to resolve any complaint or matter as soon as possible. Please note, calls may be monitored or recorded for quality assurance & training purposes.
Registered Office Address:
01442 838 192
Making A Complaint
Should you wish to make a complaint, please contact us using the 'Contact us' section of these Terms. If anything is unclear or if you are not happy with the way we have handled your complaint, please do contact us to let us know & we shall endeavour to answer your queries or help to resolve any complaint or matter as soon as possible.
For our full Complaints Procedures please click here.
If you are still unhappy & have received a final response letter from us, you may ask for a review from the Financial Ombudsman Service (FOS). You can use the details below to contact them & find out about how to use the service
Financial Ombudsman Service
0800 023 4567 (from a landline)
0300 123 9123 (from a mobile)