Help Me Choose

TERMS AND CONDITIONS

1. Introduction

1.1 These terms and conditions shall govern your use of our website and give you information about the services that LetsTalkFleet Limited trading as LetsTalk Leasing (“we” or “us”) offer.

1.2 By using our website, you accept these terms and conditions in full; accordingly, if you disagree with these terms and conditions or any part of these terms and conditions, you must not use our website.

2. Privacy & Cookie Policy, Website Disclaimer and Copyright Notice

2.1 Our website uses cookies. You consent to our use of cookies in accordance with the terms of our ‘Privacy and Cookie Policy’. You also agree to our ‘Website Disclaimer’ and our ‘Copyright Notice’. Our ‘Privacy and Cookie Policy’, our ‘Website Disclaimer’ and our ‘Copyright Notice are all incorporated in and form part of these terms and conditions. They can be found in the ‘Legal’ content section of our website.

3. What we do and don’t do

3.1 We act as an independent broker to introduce prospective hirers, such as you, to one or more funding companies who, subject to your credit status, may be willing to supply a vehicle to you on finance.  Any finance agreement that you enter into, following our introduction, will be between you and the funder.  We have established relationships with a number of funders and with those relationships and our market knowledge we are able to facilitate your search for vehicle finance and ultimately, delivery of your chosen vehicle.

3.2 We do not advise you on your choice of vehicle or whether the vehicle you choose is fit for any particular purpose that you have in mind. That is your responsibility.

3.3 Also, please note that we are not the supplier to you of the vehicle. The supplier of the vehicle to you will be the funder under the terms of the finance agreement.

3.3 Under the terms of the service we provide to you, we do not provide you with any legal, professional or other advice on the terms and conditions of any finance agreement that you may enter into with a funder, but it is very important that you read and fully understand those terms and conditions before you sign to accept them, as they will form legally binding obligations on you.

3.4  You should be aware that the funder’s terms and conditions will subject you to charges in addition to headline monthly hire charge if particular circumstances apply. We give examples of these, for illustration purposes only in clause 20 below (Charges you may have to pay if you don’t adhere to the terms of the finance agreement) e.g. if you travel more miles in the vehicle than you told the funder that you were going to do in your application for finance.  Clause 20 is not a substitute for you reading and understanding the whole of the funder’s terms and conditions before you sign to accept them.

4.  Third party data

4.1 The data on this site or which we publish elsewhere is provided to us by the funders, vehicle manufacturers, dealers and other specialist vehicle data providers.  Whilst we seek to validate the data prior to its publication, we cannot guarantee that it is accurate in every respect. We recommend for your own personal protection that you check the vehicle details with the manufacturer or franchised dealer prior to placing any order through this site. All images and video content are for illustration purposes only.

5. Pricing

5.1 Unless otherwise specified the funding companies’ hire charges published on this site include:

(a) delivery of your vehicle by the supplying vehicle dealer to your chosen UK mainland delivery address. As a standard, vehicles will be driven to your chosen delivery address, unless you specifically request that your vehicle is delivered by trailer or transporter. If you do additional delivery charges will apply;

(b) number plates;

(c) Road Tax (otherwise known as Vehicle Excise Duty or ‘VED’) for the duration of your finance agreement with the funding company. (If the cost of Road Tax increases during the original or any extended term of your finance agreement, you will have to pay the funding company for the increased cost; and

(d) vehicle registration charge.

5.2 VAT prices quoted on our website (a) include VAT for personal financing; and (b) exclude VAT for business financing.

The applicable rate of VAT for our fees and the funding companies’ hire charges shall be the prevailing rate of VAT from time to time. If the rate of VAT changes between the date of confirmation of your vehicle order and the date of delivery the vehicle to you, the hire charges will be amended to reflect the revised rate of VAT.

5.3 The prices displayed on our website or in any other form of general marketing or correspondence are for information purposes only and do not constitute an offer by us, or any funding company, which is capable of being accepted by you.

5.4 We use a number of industry leading vehicle funding companies for both personal and business vehicle finance. The prices displayed on our website are an amalgamation of the best available rates at a given time for a specific vehicle, contract duration and mileage combination. Each price advertised is unique to an individual vehicle funding company and therefore may only be available from that funding company. Should you not meet the required criteria of that funding company, we may introduce you to an alternative funding company, whose price may vary from the one advertised. Each vehicle funding company will have its own specific financial and operational requirements which will be set out in your finance agreement with the funding company.

5.5 We look to always display accurate pricing, but due to our reliance on third party data it is possible that despite our reasonable endeavours some of the vehicles listed on our website may be priced incorrectly. If an error is identified relating to an order, we will contact you to inform you of the error and give you the option of continuing with your order at the corrected price, or to cancel your order. If we are unable to contact you via the contact details you have provided to us, we will cancel the order and confirm this in writing, using the contact details that you have provided to us.

5.6 Please note that the funding companies reserve the right to change their hire charges either before or after an order has been placed, where the price change is as a result of circumstances outside of their control, examples being manufacturer/ dealer price changes, price changes due to a change in government legislation and changes to the vehicle funding company’s own interest rates or the value they predict the vehicle will have at the end of the finance agreement.

6. Enquires by you

6.1 If you contact us via our website or via telephone, call to enquire about a finance agreement you agree and acknowledge that you are instructing us to contact our panel of funding companies to source finance for a vehicle for you; and any contract between you and us will be for this service only.  As we said in clause 3, above (What we do), we only arrange finance. We do not enter into the finance agreement with you and because we are not authorised by our panel of funding companies, we cannot enter into a finance agreement with you on their behalf or bind them to entering into any finance or other agreement with you.

6.2 If you are applying on behalf of a corporate entity, including but not limited to a limited company, you are doing so on the basis that you are authorised to act in this capacity.

6.3 If you contact us via telephone then you acknowledge that your telephone call may be recorded for training and monitoring purposes.

6.4 As part of the service we provide, we may from time to time require you to provide us with information in relation to the proposed financing. Failure or refusal to supply such information will result in your application being declined.

6.5 By enquiring about finance you will be required to provide us with elements of your personal data. Some of this data may be categorised as sensitive personal data under the Data Protection Act 1998.  You are permitting us to use this data to enable us to source products and services from our panel of funding companies and acknowledge that we may undertake a credit search against you, as part of our sourcing activity, or the funding companies may undertake a search themselves and that this search may form part of your credit record.

6.6 We will use the information provided to assess your requirements based on the information supplied and you promise that the information is accurate.

7. What we expect from you

7.1 Contact Details Updates - Please inform us if you change your address or email so that we can contact you when necessary to advise you of matters relating to your vehicle hire agreement.

7.2 Insurance - Insurance is not included in the monthly lease cost for your chosen vehicle. It is your responsibility to arrange your own vehicle insurance as would be the case if you had purchased your vehicle outright or had financed it via a loan. Your insurance policy must have fully comprehensive cover and the business entity or person named on the Business or Personal Contract Hire agreement must be the same as the main policy holder or a named driver on the insurance policy.

For Business Contract Hire or Personal Contract Hire agreements the finance company is the registered owner and keeper of the vehicle. Proof of insurance cover is required prior to you taking delivery of your new vehicle.

7.3 Maintenance and Servicing - If you have not opted to have the servicing/maintenance provided by the finance company then you are responsible for maintaining and servicing your leased vehicle in line with the vehicle manufacturers service schedule guidelines along with any terms as specified in your hire agreement from you finance company.

You can arrange maintenance and servicing of your vehicle independently via a main dealership or independent repairer (if using independent repairers please ensure that they use genuine manufacturer parts and approved fluids)

We can for a fixed monthly charge add onto your hire cost a comprehensive Maintenance and Service package, please see our website or contact one of our customer service executives for information. A maintenance package can only be added to your agreement at point of ordering your vehicle, we are unable to add this service at a later stage.

Where the vehicle is fitted with a DPF (Diesel Particulate Filter) or DEF (Diesel Exhaust Fluid) system or ‘Ad blue’, we cannot be held liable for incorrect usage. You are responsible for adhering to the manufacturer’s guidelines

7.4 Return Condition - The vehicle must be returned to the funding company in a roadworthy state and if applicable with a valid MOT certificate and tyres must be at or above the legal limit. Full details of your obligations with regards the return condition of your vehicle is provided in the BVRLA (British Vehicle Rental Leasing Association) guide a copy of which can be provided upon request.

8. Finance Quotations

8.1 As we said in clause 3.3 above (Pricing), the prices which we display here and elsewhere are for information purposes only. They are neither quotations nor an offer of finance.

8.2 If you would like a quotation you can request one from us, or you can request multiple quotations.

8.3 After you enquire about a vehicle we aim to provide you with a quotation within 1 business day of your request.

8.4 Unless otherwise stated, any quotation which we issue to you is valid for up to 14 days from the date specified on the quote.  As with our pricing, any quotation is not an offer of finance. If you wish to proceed with a quotation you must do so within its stated validity period. We cannot process any request for finance by you based on a particular quotation if your request is outside the validity period for the quotation.

8.5 Our panel of funding panel companies have different acceptance criteria and you acknowledge that being accepted for credit by one funder doesn't mean you will be accepted for credit by any other funder.

8.6 If you fail for any reason to be accepted for finance by one of our funding companies we will discuss with you prior to applying for finance on your behalf from a different company on our funding panel. Any application for finance from an additional funding company may result in an additional footprint on your credit file.

8.7 As we said under clause 6.6 above (Enquiries by you), we are reliant on you providing accurate information to us. Any inaccuracies in the information you provide may impact the suitability of a quotation. We will not be liable to you for any matter or thing, which arises from any error or omission in the information that you provide to us.

8.8 Our funding companies have their own terms and conditions upon which they provide finance. These terms and conditions are in and form part of the finance agreement between you and the funding company.

9.  Applications by you for finance

9.1 If you wish to proceed with a vehicle quotation and you are still within the quotation validity period (please see clause 7.4 above) you can apply for finance on the terms of the quotation. All applications are subject to written acceptance by the funding company and payment by you to us of our administration fee (please see clause 12 below (Our administration fee & commission)). If you are accepted for credit, this does not constitute an agreement for the provision of finance to you by the funder. The funder will only be bound to provide finance to you once both you and the funder have signed the finance agreement and then only subject to the terms of that agreement.

9.2As part of your application process you will be required to submit some forms of identification. This can vary by funder, but will typically be two proofs of identification, which contain your name and address and are dated within the last 90 days (i.e. Council Tax or Utilities bill) and a copy of your photocard driving licence.

9.3 If you are an individual, sole trader or partnership (with less than four partners) you will need to complete a cooling off period prior to taking delivery of your vehicle. This cooling off period lasts 14 days from the date the finance agreement has been signed by both you and the finance company.

9.4 We will source your vehicle for you and communicate your details and the details of the vehicle to our panel of funding companies.  If your application for finance is accepted by a funding company you will be required to sign a finance agreement with the funder for the vehicle and sign a direct debit mandate for the collection by the funder of the hire charges payable by under your finance agreement with the funder.

9.5 If for any reason the vehicle you have requested is not available we will contact you regarding the availability of alternatives.

9.6 Being accepted for credit does not guarantee that the vehicle you have selected will be available. If the vehicle you have ordered is not available or if the funder changes the hire charges under the finance agreement before delivery to you of the vehicle, you have selected, we will contact you to ask if you still wish to proceed or source alternative vehicle(s)/funder(s) for you. If you do not wish to proceed in these circumstances or if we cannot arrange suitable alternatives for you, then we will cancel your application for finance and refund in full the administration fee (please see clause 14 below (Our administration fee & commission)) that we have received from you in relation to the cancelled application.

10. Your vehicle

10.1 Manufacturer Warranty - Your new vehicle will come with a full manufacturer warranty. If a vehicle is pre-registered, you will be entitled to the balance of the manufacturer’s warranty outstanding from the original date of registration. For full details relating to your vehicles manufacturer warranty please refer to the Manufacturer's warranty terms and conditions.     

10.2 Manufacturer Roadside Assistance - Some Manufacturers provide free of charge Roadside Assistance cover for a limited period from the date of registration. If a vehicle is pre-registered, you will be entitled to the balance of the manufacturer’s Roadside Assistance cover (if applicable) outstanding from the original date of registration. For full details relating to your vehicles manufacturer Roadside Assistance Cover (if applicable) please refer to the Manufacturer's Roadside Assistance cover terms and conditions.                                                                                                                                                                                                                                   

11. Fitting accessories to a vehicle

11.1 Non-dealer fit accessories can be added to your vehicle when you are seeking a quotation for new build manufacturer vehicles (i.e. ones that are not sitting in a dealer’s show room and therefore can be built to your order). Please see our website for specific optional accessories available for your chosen vehicle or speak to one of our customer services executives to discuss your requirements. Please note that fitting manufacturer accessories may impact your estimated delivery date.                                                                                                              

11.2 Dealer fit accessories such as a tow bar should be requested by you when you seek a quotation and will be subject to your funders terms and conditions and approval.

11.3 Your funder will reserve the right to refuse installation of an accessory if the accessory is no longer available or if in the sole opinion of your funder the accessory is not suitable for installation on the vehicle you have selected.

11.4 You must have permission from the funding company before you make any alterations to your vehicle during the term of your finance agreement.  Whether or not the funder gives its permission and on what terms will be dependent upon the specific terms and conditions of your finance agreement.  It is usual, under the finance agreement that any accessories, which you fit to become part of the vehicle and owned by the funder; and must be on the vehicle when you return the vehicle to the funder at the end of the period of hire under your finance agreement. You should check carefully your finance agreement before making any alterations.

12. Your rights to cancel and consequences of termination

12.1 You have a contract for services with us which you entered into with us when you clicked to accept our terms and conditions. Our services are described in clause 3 above (What we do and don’t do). This clause only talks about the contract for services between you and us.  If you go on to sign a finance agreement, that will be a separate agreement between you and the funder; and will not involve us. Your rights to cancel the finance agreement will be set out in the finance agreement.

12. 2 You may cancel your contract for services with us by giving us written notice at any time before you have paid our administration fee to us under clause 9.1 above (Applications by you for finance).

12.3 The only consequence for you if you cancel under clause 12.1, is that you will be liable to us for all or a proportion of our administration fee (please see clause 14 below (Our administration fee & commission)) which will depend on how much work we have done for you to that point in time. We will let you know how much it is and how to pay us. Payment will be due by you to us within 7 days of the date when we let you know the amount to be paid. If you have merely visited our site and requested quotations, but decided not to proceed with any of the quotations (by going on to make an application for finance through us), generally, we will not charge you anything for cancelling under clause 12.2. unless you have been in contact with any of our customer service executives to undertake services for you.

12.4 You may also cancel your contract for services with us by giving us written notice at any time after you have paid our administration fee to us under clause 9.1 above (Applications by you for finance), but before both you and the funder sign the finance agreement.

12.5 If you cancel under clause 12.4 we reserve the right to retain the administration fee you have paid to us in full as we will have done the bulk of our work under our contract with you to facilitate your finance agreement with the funder.

12.6 If you go onto enter into a finance agreement with a funder that we have introduced you to, after you have cancelled your contract with us, it will be at the discretion of the funder, whether to pay to us any commission in connection with work we have performed to facilitate the finance agreement.

13. Our rights to cancel our contract for services with you

13.1 Once we have begun to provide our services (as described in clause 3 above (What we do and don’t do) to you, we may cancel our contract for services with you at any time and for any reason, by providing you with notice in writing. If you have already paid our administration fee (please see clause 12 below (Our administration fee & commission)) to us under clause 9.1 above (Applications by you for finance), we will refund the full amount of the administration fee to you, unless we cancel the contract under clause 13.2 below.

13.2 We may cancel our contract for services with you at any time with immediate effect by giving you written notice if:

(a)   you fail to pay our administration fee in full when requested; or

(b)   you break these terms and conditions in any other material way and you do not correct or fix the situation within 7 days of us asking you to do so in writing.

13.3 If we cancel under clause 13.2, you will be liable to us for a proportion of our administration fee which will depend on how much work we have done for you to that point in time. We will let you know how much it is and how to pay us. Payment will be due by you to us within 7 days of the date when we let you know the amount to be paid.

14. Our administration fee & commission

14.1 We charge you a one-off administration fee for the services (described in clause 3 above (What we do and don’t do) which we provide to you. Our administration fee is separate to the costs shown in any finance illustrations or the funding companies’ hire charges. This fee helps cover the costs we incur when we provide our services to you. For example, our website costs, the cost of paying our customer service executives’ salaries, arranging the finance agreement for the hire of the vehicle you have selected, processing the necessary finance documentation and liaising with you on the delivery of your hire vehicle. Our administration fee is payable by you to us by debit or credit card or by BACs payment. Payment of our administration fee by you is due under clause 9.1 above (Applications by you for finance) when your application for finance has been accepted by the funder. Please note that Credit Card payments are subject to a 1.95% additional charge which is levied by the credit card processing company.

14.2 The amount of our administration fee is displayed on our website

14.3 If we introduce you to a funder and both you and funder sign a finance agreement as a consequence of our introduction, we will receive a commission or fee payment from the vehicle finance company details of which can be seen in our Information notice.

15. Vehicle delivery date

15.1 The delivery date given to you at the time that your application for finance is accepted by the funder is an estimated delivery date only. It is based on information provided to us by the manufacturer and delivering dealer of the vehicle you have selected.

15.2 Manufacturer build times can change and are beyond our control or the funder’s control. We will keep you updated with regards any changes to your estimated delivery date and arrange an actual delivery date with you once we know the vehicle is available for delivery which will be after it enters into stock and has successfully completed the supplying dealer’s pre – delivery inspection checks.

16. Arranging vehicle delivery

16.1 Physical delivery of your hire vehicle will only be arranged when:

(a) we are in receipt of a signed finance agreement from you, which has been duly completed and if required by the funder, a direct debt mandate from you

(b) our administration fee (please see clause 14 above (Our administration fee & commission)) has been paid by you to us

(c) for finance agreements which are ‘Consumer Contract Hire Agreements’ any statutory cooling off period has expired

(d) you have provided evidence to our satisfaction that you have insurance cover in place for the vehicle in place; and

(e) all other conditions insisted on by the funder have been satisfied by you.

16.2 All vehicles will be delivered with delivery mileage, this can be estimated on request.

17. Cancellation due to delayed vehicle delivery

Policies on cancellations for undue delays in delivery, vary by funder. Acknowledging that the delivery date while a vehicle goes through its build and delivery to the supplying dealer is only ever an estimate, for the reasons given in clause 15 above (Vehicle delivery date).  We will assist you should you wish to cancel your finance agreement in these circumstances, but that is a decision of the funder and we do not accept responsibility for any period where you may not have access to transport or for any losses costs or damages incurred by you as a result of a delay in the delivery of your vehicle or you having to cancel your finance agreement.

18. Failure to take vehicle delivery or provide suitable access for delivery

If you fail to provide adequate delivery instructions when you are notified by us that the vehicle is available for actual delivery, or on the day of delivery access cannot be made to the premises where we have agreed with you delivery will take place or you are not present at the allotted time for delivery then, without prejudice to any other right or remedy available the funder may have, the funder may arrange storage of  the vehicle(s) until actual delivery can take place and charge you for the reasonable costs (including insurance) of the storage. It is usual that such additional charges are payable in advance of any further attempts to deliver the vehicle to you.

19. Taking delivery of a vehicle

19.1When the vehicle is delivered, it is your responsibility to:

(a) check that the vehicle conforms to the specification you requested

(b) that you familiarise yourself with the vehicle’s controls and safety features prior to driving it away

(c) complete an inspection of the vehicle for any visible signs of damage or defects or any missing items.

19.2Prior to signing the delivery note any non-conformity with the specification or if you notice anything else wrong with the vehicle including damage or defects you must note these on the delivery note, have the delivery note counter signed by the delivery driver and retain a copy of the delivery note.

19.3If you don’t do so it will be difficult for you to make a claim against the funder, whose responsibility it is to deliver the vehicle to you with the specification that you ordered and free from any damage or defects.

19.4If you are completely unsatisfied with the vehicle you may have the option of refusing to take delivery and the funder may insist that you don’t, but if you do so it is advisable to keep a record of what was wrong with the vehicle including if possible photographic evidence. If you are justified in refusing to take delivery of the vehicle, it may be that the supplying dealer can be made by the funder to provide you with a suitable alternative vehicle until the defects to your hire vehicle are fixed or a replacement can be found.

20.  Charges you may have to pay if you don’t adhere to the terms of the finance agreement

20.1Excess Mileage Charges

Your finance agreement with the funder will be contracted for a set number of miles that you will travel in the vehicle over the duration of the finance agreement. The monthly hire charge will be calculated on the basis that the vehicle will be returned by you to the funder at the end of the finance agreement with the mileage actually travelled, being on or below your contracted mileage. If you exceed the contracted mileage, an additional fee will be payable by you to the funder to compensate the funder for the lower vehicle sale value when the vehicle is returned. The fee is expressed as a pence per pile (PPM) charge for each mile by which you exceed the contracted mileage and will be specified in your finance agreement with the funder. The PPM will vary dependent upon a number of factors, for example the make and model of vehicle you have chosen, the duration of hire of the vehicle under your finance agreement and also if you have taken the option of maintenance services for the vehicle under the finance agreement.  

It is best practice to monitor at periodic intervals how may miles you are doing and doing a projection to see if kept travelling at the same rate you would exceed the contracted mileage.  We are more than happy to help you calculate if any excess mileage charge would be payable and how much and if necessary to talk to the funder on your behalf to see if the funder may be willing to amend your finance agreement to take into account your revised mileage estimate. Please note that increasing your contracted mileage will increase your monthly rental charge as it would of been the case if you have chosen a higher annual mileage parameter at the outset of your  finance agreement. 

20.2Charges for non-fair, wear and tear caused by you to the vehicle

When you hire a vehicle, the funder as part of calculating the monthly hire charge will need to estimate the future sales value when the vehicle is returned by you to the funder at the end of the hire period under the finance agreement.

The funder will make the assumption that the condition in which you return the vehicle is in line with the leasing industry’s ‘Fair Wear and Tear’ standards.  It is important that when you return the vehicle at the end of the hire period, the vehicle is returned in a clean and good condition. A good condition means pristine, with exceptions for fear wear and tear.

When you return the vehicle, your funder will complete an inspection of the vehicle, both inside and outside, to check its condition. If there is any damage to the vehicle, with exceptions for fair wear and tear in accordance with the leasing industry’s ‘Fair Wear and Tear’ standards, you will be required to compensate the funder for the diminution in the sales value of the vehicle, attributable to the damage to the vehicle, found on inspection.   

The British Vehicle and Leasing Association (BVRLA) sets the leasing industry standards for ‘Fair, Wear and Tear’. The BVRLA is a trade body for companies that are engaged in the leasing and rental of cars and commercial vehicles to both businesses and consumers.

You should not be charged by your funder for any damage which falls within the definition of what the BVRLA considers to be ‘Fair Wear and Tear’, as set out in the BVRLA’s guidelines, which are summarised below:

- Your vehicle has been maintained in accordance with the manufacturer’s recommendations and the vehicle’s service book has been stamped and dated as proof of service or if the service record is electronic that the service interval has been reset appropriately.

- Electronic features are intact and working correctly e.g. parking sensors

- The exterior of the vehicle is in good condition with only very minor surface damage, with no rust or corrosion

- Windows, windscreens, door mirrors and lights are free of cracks or damage.

- The interior is clean and in good general condition

- All sets of keys and any accessories provided with the vehicle have been returned

- Tyres must meet minimum UK legal standards. (Don’t forget to check the spare tyre)

- Wheel trims or alloy wheels must be in good condition

20.3Returning your hire vehicle before the contracted end of the period of hire.

When you enter into a finance agreement, the hire costs are averaged or ‘spread’ over the total hire period, so that each monthly hire charge you pay is broadly equal to all of the others. A new vehicle will depreciate at a much higher rate when it is new than when the vehicle is 3 or 4 years old. As with many contracts cancelling the contract early will incur a charge from your funder. This charge is to reflect the shortfall in the averaged costs that have not been recovered by the funder through the monthly hire payments you have made up to the date of cancellation e.g. depreciation, or one-off costs e.g. vehicle purchasing charges, vehicle sales charges, delivery charges.  In addition to those costs your funder will also look to recover some of the income that it would have earned if the vehicle had completed its contracted period of hire.  Please see in your funders terms and conditions for full details relating to charges made them in relation to returning your vehicle before the contracted period of hire.

20.4Speeding or parking fines

These can be issued in one of two ways:  

(a)  Issued directly to you e.g. paper parking ticket - under these circumstances it is important that you pay the fine within the agreed time lines. If the fine is not paid by you in time, the issuing authority will contact the registered keeper of the vehicle, which in the case of your hire vehicle will be your funder. When your funder receives the reminder from the issuing authority, the fine will be likely to have increased by the issuing authority and you will likely have to pay your funder an administration fee for handling the fine. Remember it is always your duty to pay the fine, because you are the user of the vehicle. Your funder may pay the fine on your behalf, if you do not. In most cases, when the fine is paid, you will lose any right to contest it.

(b) Issued directly to the registered keeper of the vehicle (your funder) e.g. speeding fine - Your funder will normally forward the fine notification to you for you to pay along with the funder’s administration fee, for you to settle.

21.Changes to the period of hire and contracted mileage

Changes to the period of hire and contracted   mileage under the finance agreement between you and your funder may be allowed, but any such change will be subject to the specific terms and conditions of your funder under the finance agreement. Generally, no funding company will allow contract changes to be made within the last six months of contracted period of hire. Please contact one of our customer service executives to discuss your options if you find you have a need for you to make changes to your finance agreement.

22.What do you have to do at the end of the finance agreement with your funder?

Returning your hire vehicle at the end of the period of hire

You will normally receive prompts from your funder to return your vehicle to the funder, at the end of the period of hire under your finance agreement, but even if you do not, it is your responsibility to return the vehicle

You can contact us or the funder directly to arrange for the funder to collect your hire vehicle. To enable the collection of your vehicle in time you should make contact with us or the funder at least 2 weeks (but up to 4 weeks) before the end of the period of hire, to allow the funder enough time to arrange the logistics of the vehicle’s collection.  You will be charged hire charges for any days that your vehicle is returned by you beyond the contracted period of hire.   

You will need to agree a time, place and date of collection. You will need to make sure that you are there when the vehicle is collected. It’s a good idea to make sure that you have everything to hand when return the vehicle back, for example the keys, including the spare, as we’ve described in this clause above under the side heading ‘Charges for non-fair, wear and tear caused by you to the vehicle.’. In addition, you will need to make sure that you have not left any of your personal effects in the vehicle. If you do, it is highly unlikely that they will be able to be returned to you.

23. Complaints

We are passionate about delivering excellent service to all of our customers. It is important to us that all complaints are resolved as quickly as possible and to the complete satisfaction of our clients.

If you have a complaint about any aspect of our service then we would like to hear from you.

For more information please see our complaints handling procedure

24. Acceptable use

24.1 You must not:

  1. access or otherwise interact with our website using any robot, spider or other automated means, except for the purpose of search engine indexing;
  2. violate the directives set out in the robots.txt file for our website; or

© use data collected from our website for any direct marketing activity (including without limitation email marketing, SMS marketing, telemarketing and direct mailing).

24.2  You must not use data collected from our website to contact individuals, companies or other persons or entities.

24.3 You must ensure that all the information you supply to us through our website, or in relation to our website, is true, accurate, current, complete and non-misleading.

25. Limited warranties

25.1 We do not warrant or represent:

  1. the completeness or accuracy of the information published on our website;
  2. that the material on the website is up to date; or

(c) that the website or any service on the website will remain available.

25.2 We reserve the right to discontinue or alter any or all of our website services, and to stop publishing our website, at any time in our sole discretion without notice or explanation; and save to the extent expressly provided otherwise in these terms and conditions, you will not be entitled to any compensation or other payment upon the discontinuance or alteration of any website services, or if we stop publishing the website.

25.3 To the maximum extent permitted by applicable law and subject to clause 24.1 below (Limitations and exclusions of liability), we exclude all representations and warranties relating to the subject matter of these terms and conditions, our website and the use of our website.

26. Limitations and exclusions of liability

26.1 Nothing in these terms and conditions will:

  1. limit or exclude any liability for death or personal injury resulting from negligence;
  2. limit or exclude any liability for fraud or fraudulent misrepresentation;

(c)limit any liabilities in any way that is not permitted under applicable law; or

(d) exclude any liabilities that may not be excluded under applicable law.

26.2 The limitations and exclusions of liability set out in this clause 26 and elsewhere in these terms and conditions:

  1. are subject to clause 26.1 above; and

(b) govern all liabilities arising under these terms and conditions or relating to the subject matter of these terms and conditions, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty, except to the extent expressly provided otherwise in these terms and conditions.

26.3 To the extent that our website and the information and services on our website are provided free of charge, we will not be liable for any loss or damage of any nature.

26.4 We will not be liable to you in respect of any losses arising out of any event or events beyond our reasonable control.

26.5 We will not be liable to you in respect of any business losses, including (without limitation) loss of or damage to profits, income, revenue, use, production, anticipated savings, business, contracts, commercial opportunities or goodwill.

26.6 We will not be liable to you in respect of any loss or corruption of any data, database or software.

26.7 We will not be liable to you in respect of any special, indirect or consequential loss or damage.

26.8 You accept that we have an interest in limiting the personal liability of our officers and employees and, having regard to that interest, you acknowledge that we are a limited liability entity; you agree that you will not bring any claim personally against our officers or employees in respect of any losses you suffer in connection with the website or these terms and conditions (this will not, of course, limit or exclude the liability of the limited liability entity itself for the acts and omissions of our officers and employees).

27. Breaches of these terms and conditions

Without prejudice to our other rights under these terms and conditions, if you breach these terms and conditions in any way, or if we reasonably suspect that you have breached these terms and conditions in any way, we may:

(a)        send you one or more formal warnings;

(b)        temporarily suspend your access to our website;

(c)        permanently prohibit you from accessing our website;

(d)        block computers using your IP address from accessing our website;

(e)        contact any or all of your internet service providers and request that they block your access to our website;

(f)         commence legal action against you, whether for breach of contract or otherwise; and/or

(g)        suspend or delete your account on our website.

28. Variation

28.1 We may revise these terms and conditions from time to time.

28.2 The revised terms and conditions shall apply to the use of our website from the date of publication of the revised terms and conditions on the website, and you hereby waive any right you may otherwise have to be notified of, or to consent to, revisions of these terms and conditions

29. Assignment

You hereby agree that we may assign, transfer, sub-contract or otherwise deal with our rights and/or obligations under these terms and conditions.

30. Severability

30.1 If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect.

30.2 If any unlawful and/or unenforceable provision of these terms and conditions would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.

31. Entire agreement

Subject to clause 24.1 above, these terms and conditions, together with our ’Privacy and Cookies Policy’, ‘Website Disclaimer’ and ‘Copyright Notice’ shall constitute the entire agreement between you and us in relation to your use of our website and the services we provide to you. This shall supersede all previous agreements between you and us in relation to your use of our website and the provision of our services.

32. Law and jurisdiction

32.1 These terms and conditions, their subject matter and their formation (and any non-contractual disputes or claims) shall be governed by and construed in accordance with English law.

32.2 Any disputes relating to these terms and conditions shall be subject to the exclusive jurisdiction of the courts of England.

33. Our trade association

33.1 We are a member of British Vehicle Rental and Leasing Authority (BVRLA). The BVRLA is the UK trade body for companies engaged in the leasing, rental and fleet management of cars and commercial vehicles for both business and consumer users. Our BVRLA Membership No. is 7281.

33.2 BVRLA membership ensures you should expect the highest levels of professionalism and integrity when using a BVRLA member.

33.3 The BVRLA code of conduct sets out the standards it expects its members to achieve in all aspects of the leasing, rental and fleet management of cars and commercial vehicles for both business and consumer users.

33.4 For full details of the BVRLA Code of Conduct please see www.bvrla.co.uk/advice/guidance/rental-broker-code-conduct

34. Contact us

34.1 This website is owned and operated by LetsTalkFleet Limited trading as LetsTalk Leasing

34.2 You can contact us by phone, or email or in writing, using the contact details published on our website from time to time. You’ll find them, at the bottom of our home page.

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