Terms and Conditions

Ash Vehicle Contracts "Driving your business forward"

Terms of Business

Understanding Business Contract Hire

The product you have selected for this quotation is Business Contract Hire. There are two types of business contract hire agreement available:

  • Non-regulated (limited companies and large partnerships)
  • Regulated (small partnerships and sole traders)

The only difference between each of these is that you will be able to make contract amendments to non-regulated business contract hire agreements, such as, but not limited to, amending mileage limits or term. However, this option is not available for regulated business contract hire agreements.

Business Contract Hire is a lease that allows you to drive a new vehicle over an agreed period of time and mileage. This gives you cost-effective access to new vehicles and none of those large drops in value normally associated with owning a new vehicle outright. You also have the option to include vehicle service maintenance and repairs in a maintenance rental, which means you can budget predictably for all your business motoring.

When your Business Contract Hire agreement ends, there are two options available to you. These are:

a) Return the vehicle to the finance provider, or;

b) Get an extension on the lease period in agreement with the finance provider.

There is no option to purchase the vehicle at the end of a Business Contract Hire agreement for either regulated or non-regulated contracts. Leased vehicles cannot be used for hire and reward purposes such as taxi or chauffeur services.

So what are the benefits of business contract hire?

  • Low monthly repayments
  • Flexible terms from 24 to 60 months
  • Road Fund Licence is included for the contracted period
  • Option to extend the lease period at the end of the contract
  • Return vehicle at end of contract and start a new agreement
  • No hassles with selling the car or losing money on the car’s value

And what are the potential risks you face?

  • If the vehicle is returned with damage that goes beyond the established industry standard set out by the British Vehicle Rental and Leasing Association (BVRLA), known as Fair Wear and Tear you may incur charges to repair that damage. For more information about the BVRLA visit
  • www.bvrla.co.uk If you terminate the lease early, you may be liable to pay an early termination fee.
  • If you have driven the vehicle beyond the agreed mileage limit, you will be charged an excess mileage rate which is outlined in your agreement.

Understanding Maintenance

By signing and returning this document you are confirming that you understand the difference between a Finance Provider Maintained and Driver Maintained agreement. It is important that you understand the difference. Refer to the Agreement Details section of the quotation (page one of this document) to determine whether or not maintenance is included.

If Finance Provider Maintained appears next to Maintenance, the quotation includes maintenance. The monthly cost for maintenance is shown as ‘Maintenance Rental’. The finance provider will cover the cost of maintenance and servicing as outlined in the finance agreement, but you are still responsible for taking the car to a dealership/garage approved by the finance provider for repair, regular servicing in line with the manufacturer’s service intervals, MOT inspections, etc.

If Driver Maintained appears next to Maintenance, the quotation does not include maintenance. There will be no monthly cost, therefore Maintenance Rental will show ‘N/A’. You should understand that by opting for a Driver Maintained agreement you are responsible for maintaining your vehicle and that you may incur additional costs for regular servicing, MOTs and any repairs required throughout the duration of the agreement.

Tell me why a Finance Provider Maintained agreement is a good idea

All vehicles must be maintained to manufacturer standards and adhere to the specific vehicle servicing schedule. For many of the vehicle finance options offered, you have the option to cover all service and maintenance requirements. This costs extra but provides certainty on your motoring costs – no unexpected cost exposure that could adversely affect cash flow.

It is important to note that in the event that you decide not to include maintenance in your contract (Driver Maintained), you are responsible for maintaining the vehicle at an additional cost over and above the monthly finance rental cost.

What are the benefits of choosing Finance Provider Maintenance?

  • Covers the cost of any repairs required throughout the duration of the contract term. This includes tyres, brakes, exhausts, wipers, and batteries This is subject to BVRLA Fair Wear and Tear Guidelines
  • Includes breakdown cover, roadside assistance and roadside repairs
  • Includes servicing and MOTs
  • Benefit from fleet purchasing power of parts and service
  • Peace of mind in relation to vehicle repairs
  • Fully VAT recoverable for businesses
  • Cost can be set against taxable profits

What are the potential risks of choosing Finance Provider Maintenance?

  • Does not cover any accidental damage to the vehicle, vandalism or windscreen breakages. These must be repaired via insurance cover
  • The cost of maintenance varies depending on the vehicle type, contract type and expected mileage
  • Does not cover driver abuse or neglect such as, but not limited to, vehicle damage as a result of the vehicle not being serviced according to manufacturer’s guidelines, or Diesel Particulate Filter warnings being ignored.

How does a Finance Provider Maintained agreement work in practice?

The following is a typical example highlighting the price difference between a Finance Provider Maintained agreement and a Driver Maintained agreement for an Audi A1 Diesel Hatchback 1.6 TDI SE 3dr.

Contract Type Monthly Payment Contract Duration Mileage
Finance Provider Maintained Business Contract Hire £230.66 ex. VAT 36 months 10,000 per annum
Driver Maintained Business Contract Hire £208.96 ex. VAT 36 months 10,000 per annum

Monthly Payment shown is for illustrative purposes only.

Understanding Excess Mileage

The total contract mileage you agree to at the beginning of your contract has an impact on the overall rental cost over the term of the agreement. The higher amount of mileage you select, the more likely you will be to have a higher monthly rental cost. It is important to select an accurate mileage amount at the beginning of the agreement in order to avoid paying rental costs for mileage that you do not use by the end of the agreement term, and to avoid paying any excess mileage charges.

Excess mileage charges occur when you go over your agreed mileage. The reason the charge is applied is that the total mileage of the vehicle is used to calculate the resale value of the vehicle. A greater mileage will affect this calculated resale value. This excess mileage charge is calculated at the end of the contract period and will vary depending on the vehicle type and the contract type. Please see your contract, which will be provided by the finance provider, for full details of the pence per mile charge that may be applicable.

The following is a typical example of an excess mileage charge:

Excess mileage charge per mile £0.07p
Agreed total contract mileage 90,000 miles
Actual end of contract mileage 98,000 miles
Excess mileage charge (8000 miles x £0.07p) £560.00

Excess mileage charge shown for illustrative purposes only.

Understanding End of Contract Charges

The residual value of a car at the end of a contract is based on an assumed condition that it is close to ‘ready to retail’ and that it meets industry standard BVRLA Fair Wear and Tear guidelines. Major dents, scratches and kerbed wheels, for example, are outside these guidelines. The charges are applied to rectify these faults and will be passed onto you. The BVRLA Fair Wear and Tear Guidelines can be viewed on our website.

Important Notes for Diesel Vehicles

Diesel Particulate Filters (DPF)

Diesel vehicles with DPFs require regular and sustained motorway driving in order to burn off the diesel particulate matter collected (a process known as ‘regeneration’). If you intend to use your vehicle for city-based or stop/start style driving you may want to consider a petrol vehicle or an alternative fuel vehicle which may be better suited to your needs. Ignoring a DPF warning light will result in damage not covered under a Finance Provider Maintained contract, resulting in costly repairs at driver’s expense. Refer to manufacturer’s guidelines for more information.

AdBlue

Some diesel vehicles are now fitted with tanks that contain AdBlue which is a liquid fuel additive designed to reduce harmful Nitrous Oxide emissions.

AdBlue is considered to be a consumable, similar to fuel. It is therefore the driver’s responsibility to ensure that AdBlue is kept topped up, and to pay any costs associated with doing so. Any damage incurred as a result of low AdBlue levels or its misuse will not be covered under a Finance Provider Maintained contract or any included recovery arrangements. Finance provider maintained contracts do not cover AdBlue costs. However, depending of the finance provider of your vehicle AdBlue may be topped up as part of routine servicing. You should consult your vehicle handbook to ascertain whether or not your vehicle uses AdBlue and understand your responsibilities.

In-Car Connected Services

Many vehicle manufacturers are introducing connected services into their vehicles that provide drivers with services like roadside/emergency assistance, service reminders and booking, etc. However, these connected services may be disabled by the finance provider prior to delivery as they could result in service provision from unauthorised third parties that is not in keeping with the terms and conditions of your contract agreement. Whilst a manufacturer may state that a particular connected service is featured, at present there is no reasonable way we can check if the service/s will be disabled. We will endeavour to identify, through experience or research with the finance provider, any connected services that may be affected by this general policy, however, this courtesy cannot be considered a guarantee that any connected services fitted as standard or optionally specified, will not be permanently disabled by the finance provider prior to delivery. By signing   and returning this document you are confirming you understand and accept the risks as described above.

Regulatory Information

Ash Vehicle Contracts is authorised and regulated by the Financial Conduct Authority (FCA) and is permitted to act as a credit broker only, we are not a finance provider. FCA Firm Reference Number is (FRN 685343). You may check this information on the FCA’s Register by visiting www.fca.org/register, or by contacting the FCA directly on 0845 606 1234. Not all product types offered by Ash Vehicle Contracts are regulated by the FCA. You will be advised in advance when a proposal or service is being provided by Ash Vehicle Contracts is for a product not regulated by the FCA.

Contact Us

Should you have any additional questions in relation to any information included in this document, please contact us directly. Ash Vehicle Contracts are available to answer queries via the following details:

Our Services

Ash Vehicle Contracts is a credit broker. We arrange finance with a finance provider on your behalf after you have agreed to the cost and finance provider charges. We offer a range of products from a select panel of finance providers. Our staff will advise and make recommendations for you based on an assessment of your needs and affordability. We will quote figures based on our finance providers pricing. The finance provider reserves the right to change or decline these quotes based on receipt of the full proposal.

We are not linked to any of our lending panel members. We may occasionally approach more than one finance provider from our select panel of finance providers in order to obtain a credit acceptance. This may result in more than one credit search being registered. However, the number of searches performed will be kept to a minimum. Additional information may be required by finance providers.

You also acknowledge that any organisation approached for credit will need to undertake credit checks with a credit reference agency which may affect your credit rating. Where possible, we will aim to restrict the number of credit checks we carry out against you. We will conduct a confirmation of your financial suitability via an affordability check which will not leave a footprint on your credit record. The selected finance provider may check this again using a credit search or check.

Non-payment of credit agreements may affect your credit rating and may result in the vehicle being repossessed by the finance provider or action being taken via the County Courts. This may also affect your chances of being accepted for credit in future. Alternative sources of finance may be available to you (for example, from other credit brokers or finance providers, or through banks or internet aggregators). We recognise that it is important for our customers to be able to shop around for alternative sources of credit.

Remuneration

We do not charge a fee for our service, but may receive a commission from the product provider. You are entitled at any time to request information regarding payment which we may receive as a result of placing your finance with a finance provider.

Customer Responsibilities

In order for us to fulfil our responsibilities to you, you must:

  • Read the documentation provided to you, and let us know if anything is unclear or does not represent your needs and requirements
  • Comply with the terms and conditions of agreements we may arrange for you.

Treating Customers Fairly

At Ash Vehicle Contracts, we always aim to treat customers fairly. We pride ourselves on being a leading UK fleet management provider whilst offering the best combination of advice, products, competitive pricing and outstanding service. We endeavour to conduct our business with skill, care and integrity, be transparent, respect your confidentiality and not put ourselves in a position where our duty to you is compromised. Our full Treating Customers Fairly Policy can be found on our website

Conflicts of Interest

If through exceptional circumstances Ash Vehicle Contracts or any of its directors or other customers has a material interest in business you ask to be transacted for you, we will make you aware of the potential conflict of interest and we will obtain your consent before your instructions are carried out. A copy of our Conflicts of Interest Policy is available on request.

Cancellation Policy

A cooling off period is not applicable to Business Contract Hire where the consumer is a non-regulated business. If you sign and return this document you are confirming that you understand and agree to this condition.

Where the consumer is a regulated businesses you will have a cooling off period of up to 14 business days within which to cancel the order. If on reflection and within the cancellation period you are unhappy with any part of the finance agreement, you may exercise your rights to cancel under the Consumer Credit Directive. The industry standard period for cooling off is 14 business days, however this may vary by finance provider and product type. Full details of the cooling off period will be included in your finance contract with the finance provider. Customers must contact Ash Vehicle Contracts within the cooling off period to cancel the order. If we have not heard from you on or before the expiry of your statutory cancellation period, we will assume your total satisfaction of the finance product choice and terms of agreement.

In the event that an order is cancelled prior to delivery, Ash Vehicle Contracts may charge a cancellation fee to cover any costs that may be incurred from dealers or manufacturers, or any other losses incurred by Ash Vehicle Contracts for processing the deal up to the point of cancellation.

Cancellation fees are generally in the region of £250 to £500, however the amount charged will be dependent on a number of factors which are outlined below:

  • Cancellation charge applied by the dealer.
  • Status of the vehicle – Is it in stock? Has it been built yet?
  • Vehicle extras – Are there customised interior and exterior colour options? Have any other extras been added at the request of the customer? Will the added extras impact the ability to resell the vehicle?

Cancellation charges will be calculated based on an evaluation of these points. Customers will then receive a full breakdown of the calculation of the cancellation charges incurred by them, if any.

Complaints

If you wish to register a complaint, please contact us in writing:

  • In writing: Karen Elwall, 4 Quay West Business Centre, Quay Lane, Gosport, Hampshire PO12 4LJ
  • Via email: [email protected]

A copy of our Ash Vehicle Contracts complaints handling procedures can be supplied upon request. If you would like a copy of these procedures please contact us:

  • Address: Ash Vehicle Contracts, 4 Quay West Business Centre, Quay Lane, Gosport, Hampshire PO12 4LJ
  • Email: [email protected]

Our business is covered by the Financial Ombudsman Service and the BVRLA Conciliation Service. If we are unable to settle your financial services complaint you can refer the complaint to the Financial Ombudsman Service. You may also refer your complain to the BVRLA Conciliation Service.

However, complaints should be referred the Financial Ombudsman Service in the first instance to ensure the complaint is received within appropriate timescales.

Financial Ombudsman Service

BVRLA Conciliation Service

Data Protection

Information provided to us may be shared with third parties in the course of credit checking and/or arranging finance. Your contact information may be used by us throughout the duration of the contract term in the event we need to contact you on matters relating to your contract and/or vehicle. We are registered under Data Protection Regulations and are certified by the Information Commissioner’s Office (ICO) with registration number Z1528336. All information held about you by Ash Vehicle Contracts is held in strict compliance with UK Data Protection Legislation. For full details, please see the Legal Information section on our website.

Our Products

We have a number of finance options on offer. It is important that you are aware of all finance options available to you in making your decision, and that you are adequately informed on all options. For more information on the finance options available from Ash Vehicle Contracts, please visit our Website.

Please note that some finance options may not be applicable depending on your circumstances. For further information on the types of finance options available please visit the Finance and Leasing Association website or the Money Advice Service website. Prior to signing an agreement, you must ensure that the additional monthly commitment is suitable and affordable to you, and will not create any undue financial hardship now or in the future should there be a change in your financial circumstances. Always consult with your finance provider for full terms and conditions and contract details prior to signing an agreement.

Terms of Business

Understanding Personal Contract Hire

The product you (the consumer) have selected for this quote is Personal Contract Hire. Personal Contract Hire is a regulated product. Personal Contract Hire is a lease that allows you to drive a new vehicle over an agreed period of time and mileage. This gives you cost-effective access to new vehicles and no large drops in value normally associated with owning a new vehicle outright. You also have the option to include vehicle service maintenance and repairs, which means you can budget predictably for all your motoring costs.

At the end of your Personal Contract Hire agreement, you will need to return the vehicle to the finance company. There is no option to purchase the vehicle. Leased vehicles cannot be used for hire and reward purposes such as taxi or chauffeur services.

So what are the benefits of personal contract hire?

  • Drive a new vehicle on low monthly repayments
  • Flexible terms from 24 to 48 months
  • Road Fund Licence is included for the contracted period
  • Return vehicle at end of contract
  • No hassles with selling the car or losing money on the car’s value

And what are the potential risks you face?

  • If the vehicle is returned with damage that goes beyond the established industry standard set out by the British Vehicle Rental and Leasing Association (BVRLA), known as Fair Wear and Tear you may incur charges to repair that damage. For more information about the BVRLA visit www.bvrla.co.uk
  • If you terminate the lease early, you may be liable to pay an early termination fee.
  • If you have driven the vehicle beyond the agreed mileage limit, you will be charged an excess mileage rate which is outlined in your agreement. Mileage limits cannot be amended at any stage during the contract.

Understanding Maintenance

By signing and returning this document you are confirming that you understand the difference between a Finance Provider Maintained and Driver Maintained agreement. It is important that you understand the difference. Refer to the Agreement Details section of the quotation (page one of this document) to determine whether or not maintenance is included.

If Finance Provider Maintained appears next to Maintenance, the quotation includes maintenance. The monthly cost for maintenance is shown as ‘Maintenance Rental’. The finance provider will cover the cost of maintenance and servicing as outlined in the finance agreement, but you are still responsible for taking the car to a dealership/garage approved by the finance provider for repair, regular servicing in line with the manufacturer’s service intervals, MOT inspections, etc.

If Driver Maintained appears next to Maintenance, the quotation does not include maintenance. There will be no monthly cost, therefore Maintenance Rental will show ‘N/A’. You should understand that by opting for a Driver Maintained agreement you are responsible for maintaining your vehicle and that you may incur additional costs for regular servicing, MOTs and any repairs required throughout the duration of the agreement.

Tell me why a Finance Provider Maintained agreement is a good idea

All vehicles must be maintained to manufacturer standards and adhere to the specific vehicle servicing schedule. For many of the vehicle finance options offered, you have the option to cover all service and maintenance requirements. This costs extra but provides certainty on your motoring costs – no unexpected cost exposure that could adversely affect cash flow.

It is important to note that in the event that you decide not to include maintenance in your contract (Driver Maintained), you are responsible for maintaining the vehicle at an additional cost over and above the monthly finance rental cost.

What are the benefits of choosing Finance Provider Maintenance?

  • Covers the cost of any repairs required throughout the duration of the contract term. This includes tyres, brakes, exhausts, wipers, and batteries This is subject to BVRLA Fair Wear and Tear Guidelines
  • Includes breakdown cover, roadside assistance and roadside repairs
  • Includes servicing and MOTs
  • Benefit from fleet purchasing power of parts and service
  • Peace of mind in relation to vehicle repairs

What are the potential risks of choosing Finance Provider Maintenance?

  • Does not cover any accidental damage to the vehicle, vandalism or windscreen breakages. These must be repaired via insurance cover
  • The cost of maintenance varies depending on the vehicle type, contract type and expected mileage
  • Does not cover driver abuse or neglect such as, but not limited to, vehicle damage as a result of the vehicle not being serviced according to manufacturer’s guidelines, or Diesel Particulate Filter warnings being ignored.

How does a Finance Provider Maintained agreement work in practice?

The following is a typical example highlighting the price difference between a Finance Provider Maintained agreement and a Driver Maintained agreement for an Audi A1 Diesel Hatchback 1.6 TDI SE 3dr.

Contract Type Monthly Payment Contract Duration Mileage
Finance Provider Maintained Personal Contract Hire £230.66 inc. VAT 36 months 10,000 per annum
Driver Maintained Personal Contract Hire £208.96 inc. VAT 36 months 10,000 per annum

Monthly Payment shown is for illustrative purposes only.

Understanding Excess Mileage

The total contract mileage you agree to at the beginning of your contract has an impact on the overall rental cost over the term of the agreement. The higher amount of mileage you select, the more likely you will be to have a higher monthly rental cost. It is important to select an accurate mileage amount at the beginning of the agreement in order to avoid paying rental costs for mileage that you do not use by the end of the agreement term, and to avoid paying any excess mileage charges.

Excess mileage charges occur when you go over your agreed mileage. The reason the charge is applied is that the total mileage of the vehicle is used to calculate the resale value of the vehicle. A greater mileage will affect this calculated resale value. This excess mileage charge is calculated at the end of the contract period and will vary depending on the vehicle type and the contract type. Please see your contract, which will be provided by the finance provider, for full details of the pence per mile charge that may be applicable.

The following is a typical example of an excess mileage charge:

Excess mileage charge per mile £0.07p
Agreed total contract mileage 90,000 miles
Actual end of contract mileage 98,000 miles
Excess mileage charge (8000 miles x £0.07p) £560.00

Excess mileage charge shown for illustrative purposes only.

Understanding End of Contract Charges

The residual value of a car at the end of a contract is based on an assumed condition that it is close to ‘ready to retail’ and that it meets industry standard BVRLA Fair Wear and Tear guidelines. Major dents, scratches and kerbed wheels, for example, are outside these guidelines. The charges are applied to rectify these faults and will be passed onto you. The BVRLA Fair Wear and Tear Guidelines can be viewed on our website.

Important Notes for Diesel Vehicles

Diesel Particulate Filters (DPF)

Diesel vehicles with DPFs require regular and sustained motorway driving in order to burn off the diesel particulate matter collected (a process known as ‘regeneration’). If you intend to use your vehicle for city-based or stop/start style driving you may want to consider a petrol vehicle or an alternative fuel vehicle which may be better suited to your needs. Ignoring a DPF warning light will result in damage not covered under a Finance Provider Maintained contract, resulting in costly repairs at driver’s expense. Refer to manufacturer’s guidelines for more information.

AdBlue

Some diesel vehicles are now fitted with tanks that contain AdBlue which is a liquid fuel additive designed to reduce harmful Nitrous Oxide emissions.

AdBlue is considered to be a consumable, similar to fuel. It is therefore the driver’s responsibility to ensure that AdBlue is kept topped up, and to pay any costs associated with doing so. Any damage incurred as a result of low AdBlue levels or its misuse will not be covered under a funder maintained contract or any included recovery arrangements. Finance Provider Maintained contracts do not cover AdBlue costs. However, depending of the finance provider of your vehicle AdBlue may be topped up as part of routine servicing. You should consult your vehicle handbook to ascertain whether or not your vehicle uses AdBlue and understand your responsibilities. For more information in relation to AdBlue you may contact us directly.

In-Car Connected Services

Many vehicle manufacturers are introducing connected services into their vehicles that provide drivers with services like roadside/emergency assistance, service reminders and booking, etc. However, these connected services may be disabled by the finance provider prior to delivery as they could result in service provision from unauthorised third parties that is not in keeping with the terms and conditions of your contract agreement. Whilst a manufacturer may state that a particular connected service is featured, at present there is no reasonable way we can check if the service/s will be disabled. We will endeavour to identify, through experience or research with the finance provider, any connected services that may be affected by this general policy, however, this courtesy cannot be considered a guarantee that any connected services fitted as standard or optionally specified, will not be permanently disabled by the finance provider prior to delivery. By signing and returning this document you are confirming you understand and accept the risks as described above.

Regulatory Information

Ash Vehicle Contracts is authorised and regulated by the Financial Conduct Authority (FCA) and is permitted to act as a credit broker only, we are not a funder or finance provider. FCA Firm Reference Number is (FRN 685343). You may check this information on the FCA’s Register by visiting www.fca.org/register, or by contacting the FCA directly on 0845 606 1234. Not all product types offered by Ash Vehicle Contracts are regulated by the

Contact Us

Should you have any additional questions in relation to any information included in this document, please contact us directly. Ash Vehicle Contracts are available to answer queries via the following details:

Our Services

Ash Vehicle Contracts is a credit broker. We arrange finance with a finance provider on your behalf after you have agreed to the cost and finance provider charges. We offer a range of products from a select panel of finance providers. Our staff will advise and make recommendations for you based on an assessment of your needs and affordability. We will quote figures based on our finance providers pricing. The finance provider reserves the right to change or decline these quotes based on receipt of the full proposal.

We are not linked to any of our lending panel members. We may occasionally approach more than one finance provider from our select panel of finance providers in order to obtain a credit acceptance. This may result in more than one credit search being registered. However, the number of searches performed will be kept to a minimum. Additional information may be required by finance providers.

You (the consumer) also acknowledge that any organisation approached for credit will need to undertake credit checks with a credit reference agency which will be recorded on your credit file and may have implications on your ability to obtain credit in future. Where possible, we will aim to restrict the number of credit checks we carry out against you. We will conduct a confirmation of your financial suitability via an affordability check which will not leave a footprint on your credit record. The selected finance provider may check this again using a credit search or check.

Non-payment of credit agreements may affect your credit rating and may result in the vehicle being repossessed by the finance provider or action being taken via the County Courts. This may also affect your chances of being accepted for credit in future. Alternative sources of finance may be available to you (for example, from other credit brokers or finance providers, or through banks or internet aggregators). We recognise that it is important for our customers to be able to shop around for alternative sources of credit.

Remuneration

We do not charge a fee for our service, but may receive a commission from the product provider. You are entitled at any time to request information regarding payment which we may receive as a result of placing your finance with a finance provider.

Customer Responsibilities

In order for us to fulfil our responsibilities to you, you must:

  • Read the documentation provided to you, and let us know if anything is unclear or does not represent your needs and requirements
  • Comply with the terms and conditions of agreements we may arrange for you.

Treating Customers Fairly

At Ash Vehicle Contracts, we always aim to treat customers fairly. We pride ourselves on being a leading UK fleet management provider whilst offering the best combination of advice, products, competitive pricing and outstanding service. We endeavour to conduct our business with skill, care and integrity, be transparent, respect your confidentiality and not put ourselves in a position where our duty to you is compromised. Our full Treating Customers Fairly Policy can be found on our website.

Conflicts of Interest

If through exceptional circumstances Ash Vehicle Contracts or any of its directors or other customers has a material interest in business you ask to be transacted for you, we will make you aware of the potential conflict of interest and we will obtain your consent before your instructions are carried out. A copy of our Conflicts of Interest Policy is available on request.

Cancellation Policy

You will have a cooling off period of up to 14 business days within which to cancel the order. If on reflection and within the cancellation period you are unhappy with any part of the finance agreement, you may exercise your rights to cancel under the Consumer Credit Directive. The industry standard period for cooling off is 14 business days, however this may vary by finance provider and product type. Full details of the cooling off period will be included in your finance contract with the finance provider. Customers must contact Ash Vehicle Contracts within the cooling off period to cancel the order. If we have not heard from you on or before the expiry of your statutory cancellation period, we will assume your total satisfaction of the finance product choice and terms of agreement.

In the event that an order is cancelled prior to delivery, Ash Vehicle Contracts may charge a cancellation fee to cover any costs that may be incurred from dealers or manufacturers, or any other losses incurred by Ash Vehicle Contracts for processing the deal up to the point of cancellation.

Cancellation fees are generally in the region of £250 to £500, however the amount charged will be dependent on a number of factors which are outlined below:

  • Cancellation charge applied by the dealer.
  • Status of the vehicle – Is it in stock? Has it been built yet?
  • Vehicle extras – Are there customised interior and exterior colour options? Have any other extras been added at the request of the customer? Will the added extras impact the ability to resell the vehicle?

Cancellation charges will be calculated based on an evaluation of these points. Customers will then receive a full breakdown of the calculation of the cancellation charges incurred by them, if any.

Complaints

If you wish to register a complaint, please contact us in writing:

  • In writing: Karen Elwall, 4 Quay West Business Centre, Quay Lane, Gosport, Hampshire PO12 4LJ
  • Via email: [email protected]

Data Protection

Information provided to us may be shared with third parties in the course of credit checking and/or arranging finance. Your contact information may be used by us throughout the duration of the contract term in the event we need to contact you on matters relating to your contract and/or vehicle. We are registered under Data Protection Regulations and are certified by the Information Commissioner’s Office (ICO) with registration number Z1528336. All information held about you by Ash Vehicle Contracts is held in strict compliance with UK Data Protection Legislation. For full details, please see the Legal Information section on our website.

Our Products

We have a number of finance options on offer. It is important that you are aware of all finance options available to you in making your decision, and that you are adequately informed on all options. For more information on the finance options available from Ash Vehicle Contracts, please visit our website.

Please note that some finance options may not be applicable depending on your circumstances. For further information on the types of finance options available please visit the Finance and Leasing Association website or the Money Advice Service website. Prior to signing an agreement, you must ensure that the additional monthly commitment is suitable and affordable to you, and will not create any undue financial hardship now or in the future should there be a change in your financial circumstances. Always consult with your finance provider for full terms and conditions and contract details prior to signing an agreement.

A copy of our Ash Vehicle Contracts complaints handling procedures can be supplied upon request. If you would like a copy of these procedures please contact us:

  • Address: Ash Vehicle Contracts, 4 Quay West Business Centre, Quay Lane, Gosport, Hampshire PO12 4LJ
  • Email: [email protected]

Our business is covered by the Financial Ombudsman Service and the BVRLA Conciliation Service. If we are unable to settle your financial services complaint you can refer the complaint to the Financial Ombudsman Service. You may also refer your complain to the BVRLA Conciliation Service.

However, complaints should be referred the Financial Ombudsman Service in the first instance to ensure the complaint is received within appropriate timescales.

Financial Ombudsman Service

BVRLA Conciliation Service

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