On your website it says you deal really fast with a turnaround within 24 hours. I have been waiting a few days now. I need more information on the deals otherwise ill have to go somewhere else.
Please email me a number so i can speak to someone. Thanks
To enable me to assist you further, can you clarify if your details below correct? Also can you confirm that you have being living and working in the UK for more than 3 years and that where you live currently and before that you are on the UK Electoral Register?
No, I am not on the UK Electoral register.
Why is this any relevance to my application for a car lease?
This is the number 1 requirement. This
officially backs up where you live and there is a traceability. The minimum is 3
years. I'm afraid this is a requirement where ever you go. I highly recommend
you get yourself on the UK Electoral Register and then apply in 3 years time.
I've just had my car written off and I'm waiting for the insurance payout. Ideally I'm looking for a 6-12 month contract, petrol, tax and maintenance included, no or low deposit, coupe design;
maybe a Lexus, SEAT Ibiza, Mini Coupe, etc.
Hi, just to let you know to lease a car for just a few months can be a very expensive solution. Maybe you are better off hiring a car from one of our recommended partners listed in the 3 to 6 month car hire sections?
I sent an enquiry yesterday evening via your website, however I must inform you that the phone number I gave is temporarily unavailable as now my mobile has also broken! I can be reached via email and will check periodically. But your affiliate partner will find my phone to be switched off for a day or two while I order a new one.
I'm looking for non-status personal contract hire deals preferably on coupe sport models.
Have you now managed to speak to one of our affiliate partners?
Thanks for following up. I've been without a phone for a couple of days as it broke on Sunday. I've now received my new mobile, so will be able to take the call from your affiliate partner(s) tomorrow lunch time or evening.
I have notified your account manager / advisor to make contact with you.
Could I have a contact number please?
Hi, your application has registered but I'm afraid although we help customers with bad credit we couldn't find a suitable lender to finance the lease side of the car. Do you know why this could be the case?
Yeah I have bad credit which has been made worse by applying more, my mum is willing to put the agreement in her name if the payments come out of my account? Is this possible with yourselves?
Yes this can be arranged but not with the supplier that
you picked. Would you like me to forward your details to a supplier who will consider such an arrangement?
I'm track you for a solution for a
Lexus with another supplier, however, you might like to change the car choice and smaller engine if you want to pay less per month and less insurance?
spoke to the supplier and they have said £240 but is there any other companies cheaper than this
that you can get me in touch with?
With bad credit leasing I guess they offered you a HP agreement which means you get to keep the car without the need to pay a balloon payment at the end and drive unlimited miles.
Our suppliers would tap into a panel of lenders to get the best
finance price for you. To reduce the payments you can either pay a significant deposit and or pick a cheaper car. If you are a young driver anyway you should pick a smaller engine so to reduce your insurance too? Why the
Lexus? thought there are far better deals than that for you?
The agreement will be in my mums name. I want a Diesel engine and a reliable car, so either
a Lexus, VW or Seat, it's just personal preference and advice from a mechanic.
Seat? I wouldn't say they are reliable. You're better off with something from the UK or Germany. I would recommend you ask your advisor to recommend a different diesel car, like an Astra, Golf, Polo, Fiesta, Focus, etc.
Really? I thought the seat was based on the golf and the Ibiza on the polo? I
will have a chat with your advisor, was just wondering if there where other companies cheaper that I could do it in my mum's name with?
Yes you are right, sorry my dyslexia Seat is made by VW
and is reliable, I was thinking of another brand. If the car/lease is going to be in your mother's name then she is the one that should apply. You might like to apply for this deal which will get you in contact with a different supplier and then you can compare?
I will reapply with my mother's name and she is the one with the better credit
history than me and is willing to help me.
Hi I sent an online application on your website earlier. Just wondering if you have an update please? Thank you
Hi, although we help customers with bad credit history I'm afraid we were not able to find a suitable lender to finance the lease side of the vehicle. You can help by looking at your credit history file and improve the areas that need attention.
I have received a text from your finance department saying they have funds reserved for me, is this to do with you?
Hi, you should have received a text or email saying that although originally we were able to help, when an advisor from the finance side of the business investigated further they were not able to proceed. Are you aware of any issues with your credit file?
Why is that?
What has probably happened here is the following ...
The customer has applied and our configurator has identified that we could possibly get them a lend, so the deal state will automatically go to 'Provisionally Accepted' which then triggers a message to the customer confirming that we have funds reserved.
When the salesman goes to look at the quote request, it will advise them to investigate manually as the configurator thinks we may be able to help but not 100% sure.
Upon the salesman investigating manually it would then be that a decision is come to, as to whether or not we can proceed with the application.
If we can't help then a text message will be sent confirming this.
A little annoying I know, but we would rather manually investigate the customer enquiry that the configurator isn't 100% sure about then just binning them off all together as if we were to do that we could lose business.
Hope this makes sense.
Okay fair enough, my credit was made bad from a few years ago when I was made redundant. I have been running my own company for about a year now and about 2 weeks ago became a limited company so not sure if there is ways through the business for a lease?
To lease via a business it would have to be running for more than 3 years and show affordability. Limited companies are scrutinised even more. A personal lease (PCP or HP) would be the route but you didn't get accepted and you will need to look into your credit file and fixed and or improve what ever is preventing you from getting credit?
I was more interested in business lease can you guys help?
To be able to determine if someone qualifies for a business or personal lease, they would first need to apply because the outcome is based on the applicant's personal circumstances which are best put forth via the application form.
Ok well I've had a lease declined already once because of my poor credit history but I have money for a big deposit also what documentation do you need for a business lease
Customer's to qualify for a business lease would need to have excellent credit history. To consider poor credit history customer the route normally is a personal lease or a hire purchase agreement.
Hi, I've seen a Lexus NX on your website, would like to discuss more about this.
What would you like to know about the Lexus NX?
What leasing be an option even though I have bad credit history?
We do help people and find them solutions even if they have bad credit history.
Your advisor could look into a hire purchase agreement, where you hire then keep the vehicle at the end of the agreement. However, I'd like to point out that to be able to have a car like this a minimum £2000 NET monthly income or a good credit history profile will be required. You stated that you only earn £1200 a month. Sorry that will not be enough to prove affordability.
Is this the same for business use?
For business users the lease would be taken out in the director's name and he/she needs to have excellent credit history or prime lending as it is called. However if it is anything else like fair or poor then the same rules apply where the payments cannot be more than approx 25% of the customer's net monthly income. In your case it would be £300 maximum a month. The Lexus starting price is from £384 a month personal lease (inclusive of vat) and a bit more for hire purchase.
You can try to lease or hire purchase something cheaper up to the value of £300 a month payments.
Thanks for that, makes things clearer. Is there nothing you guys can do for me?
I'm happy to put down a £3-4k initial payment of it helps.
Yes we can help you out but it will have to be something else other than this Lexus that costs cheaper. Something like a Qashqai or a Sportage, all far cheaper. I have just spoken with one of our sales advisors, and he says it will depend on the customerís credit rating. If they are prime, then they donít have a set percentage of the salary that the payment has to be. If they are sub-prime, then the 25% of the salary comes into effect. The best thing would be to apply and speak with a customer advisor.
Hope that helps. If you need anything else, let me know.
Many thanks, sure I will do that.