Hi, I have been trying to contact you using your contact us form on your website, however every link on every page just returns a server error and as you have no email address on there it is now impossible to contact you.
Below is the message I have been trying to submit, please respond by email to. Thanks. In case you need it my house number is
Hi, I have tried to contact you previously but have not had any reply so I am trying again. I have recently come in to a small amount of money. I was involved in an IVA for 4 years or so before
I recently paid this off in full early, I am simply now awaiting the completion certificate. I realise that this will make my credit history poor.
I am now looking for a 3, possibly 4 year lease on a family sized car such as an insignia or mondeo, preferably an estate although not essential, and preferably a manual although again not essential. The only criteria is that it must be no more than 2 years old and must be a diesel. My annual mileage is usually around 12-13000 miles per year.
Due to the money coming in
I can make a deposit of between £2000 and £2500. I am aware this isn't always required, but hopefully this will prove
I am a genuine customer and not your average poor credit customer. I need the car before the summer when my current deal expires. I look forward to hearing from you.
Hi, not sure what kind of browser you are using or if
you wrote all this info about your personal circumstances in the comment box then yes you will get a 550 error.
This protects our systems from mucilaginous activities but unfortunately also
blocks genuine people like you.
We receive thousands upon thousands of quote requests. I got a feeling it is to do with something you are writing in the comment box. I will try and send a quote request in your behalf and do tell me if you receive the confirmation email. Kind regards
Time4leasing Internet Support.
Many thanks for your assistance.
I don't think you will be contacted today as it takes a couple of days to get the right funder into place. You would probably will be sent an email and instructions. If you don't hear anything within 2 days let me know and I will push this for you.
Hi I have just been offered a job with a car allowance, however I have always relied on company cars so haven't ever gone down this route before! Ideally I was hoping for a long lease, about 12,000 miles per annum, ideally
a BMW 3 series, my budget is around £350 per month. I would struggle with credit checks and deposit however!
Sorry but a BMW 3 on good credit and an ex demo deal would cost something like £350 a month inclusive of vat. On bad credit
that would be a bit more per month.
If you need a car you nearly are going to have be a bit more realistic. A deposit will be required of around £300 to £600 and if you want a good powerful car like a Focus, Insignia, Mondeo or an Avensis the prices are around £180 to £250 a month inclusive of vat and depending on the car you pick.
Can I have a quote an Insignia. Do I have to pay a deposit?
If you don't have a deposit then the monthly payments
will go up a bit as the required deposit is spread out into the monthly
I have poor credit history however, I have leased a car for the past 2 years through my employer. Due to a move of job,
I can no longer lease my car and I am looking to lease another car. I have wage slips to prove that
I have made the payments for the car for the last 2 years.
How is your credit history? Have you defaults or something else?
Please provide a bit more info.
Yes I have defaults and I separated from my husband last year so, I am trying to sort out the debt that he left me with. He also ran up more debt in my name following our separation that
I am currently trying to fix this out.
I have a stable job as a Social Worker and I will earn £33,000 per annum from April. I leased a car through the Local Authority where
I work for two years however, I am moving jobs therefore, I can no longer lease the car in this way.
Please contact me if you need any further info.
Sorry to hear about what your husband did to you. I will
resubmit your quote request so you get your first quote for a suitable car. Once
you get contacted by my colleague you can then discuss the best deals that are
I would like a car on long term lease. My credit is not great, so can't get a one on HP. A guarantor is a possibility though. I have recently got a job that it is essential to have access to transport mainly for commuting. The car I currently have is costing me a fortune in repairs and need to reduce costs and have something reliable. I would ideally like to keep it to under £100, but could stretch to £150 per month.
Our partners do offer customers with bad credit history HP deals.
(Hire Purchase) If you want a decent car then the monthly payment would be at least around £180 per month,
can you afford this?
Could you ring me asap tomorrow and go through my options please? Need to get something sorted.
I have notified my colleague that will ring you and
discuss the best options.
I own a restaurant bistro and would like to a
Mercedes B Class B180 1.6 Bluefficiency SE but I
have bad credit.
The B class is not available at the moment. Is this your only choice or would you consider a similar ex demo vehicle where the prices are lower?
I already applied before but was told that the car finance company
you use was unable to help me, do you have anyone else that can help with bad credit leasing
When was this as I understand it they have now a couple of people that specialise in bad credit. Did you speak to one of the girls first then
with Mark? Mark is the specialist. Why couldn't they help you? Was it because you didn't want an ex demo car or is your credit score really bad?
Spoke to Mark today, who said he could only do H/P, I was quite happy with the ex demo Kuga, as I explained to Mark I was discharged from bankruptcy 3 years ago, he said he would put through proposal on a mariva, but couldn't do a lease. He just said it was probably credit scoring.
I own a restaurant in Chingford & just about to open a new one in Crouch end
is there any one else that can help with business leasing?
If you don't mind me saying your credit history must be
really bad, what is on your record that prevented you getting the car?
As I told you yesterday, I was discharged from bankruptcy 3 years ago.
If we cannot get you a car lease I don't think you are going
to get from anywhere else either. Maybe you are best to save some money and buy
a second hand car? but then again HP (Hire Purchase) is a great way to get a car
these days. I would look into it if I was you.
I'm on a IVA. I'd like a small cheap car to run. Ill be doing approx 8 thousand miles per year. I'd like a long lease my budget. Is no more than £200 per month.
I will resubmit your request for a Ford KA for now, but when you get contacted you can discuss this or other vehicles and options that would suite your budget.
Thank you for your message. I'm really keen to get a lease car. Any ideas when someone will contact me?
Would it by telephone or email? Sorry for being inpatient.
With bad credit leasing I'm afraid it takes longer, something like 2 days because an alternative funder or funders have to be found that are willing to lease the car to you based on your credit score. However, as it is the weekend we cannot give you the outcome until Monday onwards.
Is that OK? Something else you would like to ask?
No problems, thank you !
Good evening, I work as a facilities administration assistant
and would like to lease a car. I am currently in an IVA that completes in 6
months which is making it difficult to obtain a car lease. Looking for a small car like the Ford Ka or Fiat, preferably 5 door, but not essential. Interested in a 2 year lease and my budget is up to £200 per month. I would like this on a no deposit. I would appreciate a quote.
IVA’s show for 3 years after you have settled
your accounts. You haven't even settled yet. None of the main funders would look at
this request before that time has passed
anyway. Sorry cannot do a lease for you. Maybe we can do you a hire purchase?
Please could you get a manager to phone me ASAP as you clearly are not staying within you guidelines or don't want my business, I would like to make a complaint regarding the service I have not received from your company
I'm not sure if you know how car leasing works. Our partners (car
dealership) supply the cars and a funder finances the car so you can either lease it or obtain it on finance.
Not sure why you are complaining, unless it is because it wasn't made clear to you that instead of getting a quote within 24 hours which is this afternoon, it can take 2 or 3 days to get an answer.
You have now sent 8 emails since yesterday. Please be patient. Bad credit leasing requires an alternative funder if you don't pass the mainstream funder. That takes a day, which is today. Then the team try the subprime funder which would be today or tomorrow and wait for a reply as several emails have to be exchanged. Then if you are not successful then the team try an alternative tier 2 funder, as they call them.
We are still between mainstream funder and subprime funder.
You should be contacted by my partners who are specialists for bad credit leasing. However, if they cannot get the funding approved then it is bad news.
I hope this explains to you the process?
Hi thanks for getting back to me, I don't know how car leasing works as I
never have done this before and I only emailed several times as I wasn't sure
about the time scales as in you're email yesterday you said 24 hours but as you
now have explained it, it can take longer, so thank you for explaining that to me and
I look forward to hearing from you 1.
Desperate need of a car. In default recently due to missing two payments with my previous car.
When did you last miss payments and how many payments did you do since then? That is pretty serious and not sure why you think we would give you a car
when you are not able to pay the one you have.
I was on a pcp with seat itself. Had the contract since aug last year.. Missed the recent payment. I phoned up to explain they where fine. Next thing
I had a man at my door and they gave me an option of I either paid the £14,000 or they take the car. I have a full time job and a baby hence why
I'm desperate for a car.
I'm very sorry to hear that. Have you seen your credit record on line? Do you know if that is now on your record?
Yes I have, my credit report is really bad now. Its very poor.
:( Is there anything I can do?
You will have to fix your credit score by not mi16900g any payments for the next 3 to 6 months. If you have credit cards do the same never miss a payment even if it meant just paying the minimum. Then your credit rating will improve.
I've submitted a request online but it wont send and an error message keeps appearing.
Is there any way you could help me?
I am currently in a debt management plan agreement and have been for the last 9 months. I have always made my payments on time which then gets divided between my creditors. The whole of my debt equates to £4500. However i am in a permanent full time job earning £18600 a year. I have a joint mortgage in my name and an ex partner who is still a very close friend. I pay all my debts via direct debit every month.
My situation now is better than it was in the passed and having assessed my finances i feel a long term lease would be a better option for me. My only concern is my credit rating which really is poor however within just under 3 years this will all be paid off. I don't have any money saved up however i can appreciate that if i am to be offered any deal on a car lease i would need some deposit. I'd say i would be able to raise £200 deposit. The monthly payments i am able to afford depend on the cost of the insurance. I am 27 years old and have held my full driving license for 4 months.
Could you please advise what you think would be the best option for me?
As stated you were writing too much text in the
comment box. There is a limit because it is a form, not an email.
I have received your email now and evaluate and looking for a solution.
I will be in touch
Oh, thank you.
Possible sub prime (but doubt it)
You would need a substantial deposit and it would be a hire purchase agreement over 5 years.
The funder said that they would probably require a deposit of £700 to £1,000 to be able to lease you a vehicle. The monthly payments we can discuss.
Is this something you can afford?
Unfortunately I can't raise £700 without saving up for a couple of months. Isn't there any chance the deposit can be lowered?
Sorry it is not up to me but the funders. We supply the car and the service and the funder provides the
funding for the lease. If your bad credit was something like just missed a payment or two
in the past or more severe but the past few months you have showed you are able
to pay back debt, then that is fine, but you are 1174 a DMP. That is as bad as
being on an individual voluntary arrangement (IVA). The banks see you as a risk, because if you went into a
debt management plan, you are likely to do it again if you liked to? Hence why they want a deposit to cover a few months up front just in case you did do it. Does this makes sense?
I understand all of that absolutely. I didnt sign up to a dmp without a lot of careful thought and research prior to signing up to it. However I'm simply saying £700 would be very difficult for me to find upfront.
Thank you for looking into this for me.
Alternatively you can use the bus, train and even a
taxi to get around until you can save up for a decent deposit. Don't be in a
hurry to get back into debt again. Save up some money for a rainy day. Then you
will be in a more bargaining position when you come back to lease a car.
I have put 5 or 6 quotes in for the ford focus zetec 1.6 5dr within the last 2 days and
I haven't heard anything back yet, it was that if your not going to get back to me ill take my custom else where
If you recall in the email you were sent it clearly
stated that if you have bad credit history, it can take an extra day to get back
to you as an alternative funder has to be found.
Ye, but I don't have bad credit.
I note that one of the quote requests you made mentioned that you have bad credit history.
Is this correct and please explain?
I don't have a bad credit history I just don't have any credit
I've just took out a mobile phone contract hoping it will help me achieve credit. The thing is
I'm on £350 a week at my job with 1 out going payment for my new phone. I'm permanent in my job
I just hope this helps me to get the car I like.
I know how you feel, I've been in your shoes years
ago with no credit history which is worse than having bad credit history. Sorry but the banks will only fund a lease if there is evidence of credit history, so they can evaluate if the client is credit worthy.
Getting a mobile phone contract is a good move. You should also take up any credit cards you are offered, even store cards, but do use and spend wisely and never forget to pay even the bare minimum.
Setup direct debit with all the cards and make sure you always have sufficient funds. Another trick is instead of using cash to buy something, use your credit card and then put the cash into the account and cycle the money. This will built up your credit profile.
I was wondering if you have any car leasing deals on pay as you go?
We do have a couple of partners that do this sort of car leasing, but it is really expensive. If pay as you go car leasing is the only type of lease left as an option, how about just hiring a car from one of our partners listed on
I am in search of a new lease car as my company give me a budget to get my own lease car i am after a vw passat 2 ltr diesal dsg tec highline model or a mondeo equivlant on a 36/48 month lease. I am look ing to lease asap. i have a iva will this affect the out come if you could please give me a call as i am in a hurry to sort out my car thank you
If you can come up with a significant deposit then we can lease a car to you, or if you can find a guarantor with good credit history that would help too.
I'm self employed and have a ccj against me. Are you able to help me in my position I have been turned down by other car company. Can you let me know whether you are able to help some one in my position and running his own business.
In your case a deposit (up front payments) will help with your application.
Need a car as soon as possible but on the bad credit, I see that it requires 3 months pay slip where I've just gotten a new job and only been paid for 1 week from last month which was 1,400. I get paid £3,000 plus a month but no evidence as job is new but need a car. What can I do? but my credit is bad?
A letter from your employer will help, plus you will have to pay up front a few payments and or maybe require a guarantor. Or you will have to wait a few months so to build your credit rating first.
Hi, if I am on an IVA or was on an IVA, can I lease a car from you?
Yes IVA customers will need a deposit as the funders that we work with allow our customers to have ex demo cars but will not consider applicants in IVA’s if they do not have a deposit.
Other funders that we work closely with will consider IVA customers providing they can get approval in writing from the IVA company giving permission for the monthly payment and the lease terms.
The deposits vary on the vehicles. It may be as low as £500 or up to £2000 depending on the cost of the vehicle.
I'm looking for a 24 month - 20k per annum lease. BMW 1 series with maintenance ideally. I am sub-prime credit. Discharged Bankrupt in December 2010. No defaults since those recorded prior to Bankruptcy. Have Mortgage. Steady Job, 2 plus years. Earnings over £45k. Have reasonable deposit for car. Ideally Budget should be around £250/month. NB. I am in an open office environment - difficult to speak on phone. Email conversation preferred if necessary. Will consider all options.
Not sure where you got your figures from, but they are way out. If we were to lease you a BMW 1, it would be a fairly newish not, not a run down second hand car.
The BMW 1 is £248 a month (inclusive of vat) for someone with good credit. Then you say you will be doing 20k miles a year which really depreciates the car. You would probably need to add another £1,000 a year on the cost of the lease.
Then you ask for maintenance (we don't offer this but if we did) that would add another £1,000 a year (includes service, oil, filters, tyres, disk brakes and pads, etc). A 2 year lease costs more than a 4 year lease, add another 10% on top of that. That will be a total of £431.00 per month and for someone with bad credit history that could become £590 a month.
Don't get me wrong, but these are the facts and figures. You are probably better off to hire purchase the BMW 1 so to do unlimited miles and keep the car at the end of the lease. This would bring the payments down.
Another option would be to stick to 10,000 miles a year. Not sure if this is viable. As you set your budget to £250 (which is not enough) maybe leasing a BMW 1 is not for you. What about an Astra or a Focus? You would half the monthly payments if you leased one of these vehicles.
Up to you really.
Thanks for the fast response and the straight talking - I appreciate that.
For me the issue is Economical driving - hence the original look at the BMW1. I commute 450 miles a week (20k per year) and currently spend £350 a month on fuel in my car which gives me 35mpg. If I can double that to 70mpg I can save £175 a month to put towards another (newer) vehicle.
A Ford Focus is fine - as long as its the economical model that can give good MPG.
As I said - I'm open to options. You know my circumstances - you have a target budget - so really its over to you to see what's available, if anything. From your website its difficult for me to work out exactly what I can get - so - see what you can do.
HP is not an option presumably owing to my bad credit
The guys in the finance department are in a better position to advise you. I will resubmit your request for a vehicle that is more likely to be approved. Once you get contacted you don't have to take that vehicle but discuss with the advisor the options that suite everyone, including your budget and savings.
We are interested in leasing a Tiguan or Audi Q5 or a BMW 3 series estate car. we can put a deposit down of approx 1000 pounds if needed. we are probably looking at 48 months leasing. I have a credit rating of 620 which seems to be classed as poor to fair. I would be interested in the audi ex demo your advertising 2009 reg. wait to hear from you.
That won't be a problem. Sorry there is no Tiguan in stock at the moment. I will get the guys to send you a couple of quotes for the BMW 3 and the Audi Q5.
I have dmp in place due to my husband
separating with me and leaving debts in July 2012. I had a car finance for last 2 years I have been paying £160.00 a month the deal has come to an end and I am unable to refinance. I am therefore in need of a car and am unsure
whether I can get one. I do have a deposit and can afford the finance. I work for the NHS as a specialist nurse have done for 8 years I take home around £2100.00 a month. Please contact me as I am very interested.
Hi, yes we can help you get a car. Once we get a couple of deals together for you, I believe you will have include the new car into your debt management plan.
I was wondering if i would be able to lease a car from your company. I declared myself bankrupt on 6th January 2011 and got my
discharged on 6th January 2012 could you please let me know if this would be possible. I would be looking in the range of £200 per month. Thanks
Hi, sure you can with us, but £200 a month won't get you a decent car. If you increase your budget a little bit more you could lease a family size car.
Hello, interested in a 36 month lease, I drive approximately 10,000 miles per year. Ideally looking for a ford focus or vauxhall Astra or of similar size, at least a 1.4 petrol engine. Can afford up to £220 per month but may be able to stretch to seal the vehicle. Many thanks in advance
Hi, that can be easily arranged for you. Please expect a telephone call from the team.
I have entered into a trust deed with my husband, we are looking to try and lease a car, I have a letter from my trust deed confirming that I am allowed to purchase or lease a car if this is possible. I am a nurse working for the NHS. I am also interested in leasing the audi a1. I look forward to hearing from you.
You asked for some quotes from us a few days ago and I emailed you to say that our partner who deals with the funding would contact you.
Are you saying that the funder didn't provide you with a quote proposal?
I spoke to one of your colleagues yesterday, as I am in a trust deed she said she would get someone to call me back yesterday, but they didn't, so that's the reason why I put in another query.
Putting in another application would only put you behind the queue. Sometimes the guys run out of time and are not able to phone when they say. We can only provide info via email on Sunday. You should really contact the person who contacted you via email or via telephone, but best to do that on Monday.
I've contacted you many times, what is going on? why are you not sending me a quote?
I only received this email from you via this form. What kind of cars do you like and how much can you afford per month? Also anything else you would like to know please do email me first.
Hi I have had no response from the last email I sent would you please give me a call so we can discuss the matter further thanks
Sorry about that. I have notified the guys to contact you.
Still no response? What is going on I'm looking to use your business don't you want new customs?
I was informed that there was a problem with the email system and the tech guys haven't fully fixed it yet putting everyone behind with their work. In the meantime, can you email me what your credit history is like?
This way I can speed things up for you.
Ok thank you it's just I'm in need of a vehicle asap my credit isn't the best hence the reason I searched for a company what could possibly help me.
I am looking for a BMW Audi merc seat I have £300 an month+ I'm looking for a no deposit or low one. On a 48 month contract. Thanks
When you say BMW which model 1, 3 or 5? and when you say your credit history isn't the best what do you mean? Have you got missed payments, defaults, iva, ccj's, DMP or bankrupt?
Problems with missing payments I'm not really sure as its through a past relationship with joint things etc. Probably a 3 series would suit me best but 1 series would be fine too. It's more of what car would fit my budget really.
Can you also confirm if you work for yourself or for a company?
I am self employed! Yes I understand what you are saying. The price is fine but no deposit would really help? Could this be some thing your could do.
The guys are struggling to find a suitable funder to finance the car. Don't forget we only have the cars and the suitable funder is the one that pays for the car in your behalf and then you owe them the money.
As you are self employed, I guess it is a taught life out there and you never know if you are going to have enough work and money to pay your bills. This is why the funder has second thoughts about giving you a car, specially a BMW.
I don't make up the rules. That is how it is.
If the guys do contact you then you are in luck, but if I was you I'd put some money aside for a rainy day and at least £1,000 so to cover any future payments.
I'm only being straight with you.
Bad credit means you must be
flexible like us.