Terms and Conditions
Whilst Car Credit Assured makes every effort to ensure that the information contained in this website is accurate and current, we give no warranty or undertaking as to the quality, or freedom from error, of the contents of the website. The access or use by you of the contents of this website is entirely at your own risk. Car Credit Assured does not make any representation or warranty and expressly disclaims any and all such warranties and terms in respect of any products, services, information or materials. Depending upon the specification, purchasing a new vehicle may involve a time delay between ordering the vehicle and taking delivery. Images of our used car stock may have been digitally altered. This process is done to remove point of sale material from the vehicle and to add a digital backdrop.
Third Party Links
To provide increased value to our users, we may provide links to other websites or resources for you to access at your sole discretion. You acknowledge and agree that, as you have chosen to enter the linked website we are not responsible for the availability of such external sites or resources, and do not review or endorse and are not responsible or liable directly or indirectly, for the (1) the privacy practices of such websites (2) the content of such websites, including (without limitation) any advertising, content products, goods, or other materials or services on or available from such websites or resources or (3) the use to which others make of these websites or resources, nor for any damage, loss or offence caused or alleged to be caused by, or in connection with, the use of reliance on any such advertising, content, products, goods or other materials or services available on such external websites or resources.
Contains Ordnance Survey data © Crown copyright and database right 2013. Contains Royal Mail data © Royal Mail copyright and database right 2013
The Financial Conduct Authority (FCA)
The Financial Conduct Authority (FCA) is the independent watchdog that regulates financial services. It requires us to give you this document. Use this information to decide if our services are right for you.
Which products do we offer
We offer vehicle purchase price protection
We offer consumer finance products
Which service will we provide you with?
We will advise and make a recommendation for you after we have assessed your needs for Vehicle Purchase Price Protection and finance. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.
We act as credit brokers, and we are not a lender but we can introduce you to a number of lenders who may be able to help finance your purchase, we can only introduce you to these lenders, however, we are not financial advisors.
What will you have to pay us for our services?
No fee is payable for our services, however, a lender may pay us commission for making an introduction of business.
Who regulates us?
We are authorised and regulated under interim permission by the Financial Conduct Authority.
Vertu House, Fifth Avenue Business Park, Team Valley, Gateshead, Tyne and Wear, NE11 0XA
What to do if you have a complaint
By e-mail: [email protected]
In writing: Vertu House, Fifth Avenue Business Park, Team Valley, Gateshead, Tyne and Wear, NE11 0XA
By phone: 0191 491 2121
Are we covered by the Financial Services Compensation Scheme (FSCS)?
We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arrangement is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit.
Further information about compensation scheme arrangements is available from the FSCS.
Terms & Conditions for Vehicle Finance
We act as credit brokers and we are not a lender. Finance is subject to status and finance company acceptance. We will introduce you to a limited number of lenders who may be able to help finance your purchase. These lenders may or may not pay us for the introduction. A guarantee may be required.
Terms & Conditions for 14 Day Money-Back Guarantee
Applies to all used, ex-demonstrator and pre-registered cars ordered and delivered between 6 November 2020 and 31st January 2021. Customers can return the car to the dealership within 14 days from delivery/collection and receive a full refund (and cancellation of any finance arranged through us) provided that it is returned in the same condition with all keys, manuals etc and with no more than 500 miles usage. The customer will be responsible for arranging return to the dealership and for any costs of doing so. If the V5 has not yet been received by the customer and cannot be returned with the car, a sum of £250 shall be retained from the refund until such time as the original V5 is provided, or the dealership is able to submit the registered keeper change online. Any part-exchange vehicles will be paid at the agreed valuation unless a return of the part-exchange vehicle is agreed. Any return of the part-exchange vehicle would be without any liability for the condition of the part-exchange. Excludes commercial vehicles and bikes.
Terms & Conditions for Reserve Online
On successful payment of the reservation fee, we will reserve your chosen vehicle (the Vehicle) for you for up to 48 hours (the Reservation Period) to enable you to speak to one of our sales advisors. If you make a telephone appointment within the Reservation Period, we will reserve the Vehicle for you until the time of your telephone appointment, and extend the Reservation Period until your appointment. If you have not made a telephone appointment with the selling dealership within 48 hours to discuss the Vehicle, or you do not attend an agreed telephone appointment within 7 days, the Reservation Period will end, your reservation may be cancelled and your reservation fee will be refunded to you.
There is no obligation on you to buy the Vehicle, or on us to sell the Vehicle, as a result of payment of a reservation fee. When we receive the reservation fee in cleared funds, we will reserve the Vehicle for you and prevent its sale to a third party for the Reservation Period. You will receive a confirmation email when the reservation is effective. If you do not receive a confirmation email then your reservation has not been effective so please contact us.
There may be circumstances when the Vehicle has already been sold (before your reservation fee is paid) but the website has not yet been updated. If this occurs, your reservation will be cancelled and we will contact you to confirm this, and to see if we can locate an alternative vehicle for you. Your reservation fee would be refunded.
If you do not make arrangements with the dealership within 48 hours to discuss the Vehicle, or do not then attend an agreed telephone appointment within 7 days of payment of the reservation fee, the Reservation Period will end, your reservation may be cancelled and your reservation fee will be refunded.
If you attend a telephone appointment to discuss the Vehicle, and decide not to proceed the Reservation Period will end. If you purchase the Vehicle at that appointment, your reservation fee will be retained by us as part payment towards the Vehicle, and will be treated as a deposit on the Vehicle. If the Vehicle is not suitable, and you do not wish to purchase it, your reservation fee will be refunded to you.
We may cancel your reservation if you have reserved more than 2 vehicles at any one time or if the Vehicle is withdrawn from sale for any reason. Your reservation fee would be refunded in either case.
Any refunds can only be paid by the same method as the original payment and to the same card and will be paid within 7 days of request or cancellation of your reservation (or you confirming that you do not wish to purchase the Vehicle).
We are not responsible for any loss or damage for failure to comply with these terms that is outside of our control or for any loss or damage that was not foreseeable, and shall have no liability for any loss of profit, business or business opportunity.
All intellectual property rights (including but not limited to copyright, trade marks, design rights and database rights, both registered and unregistered) in this website and its contents belong to Vertu Motors plc or one of its group or affiliate companies, or its licensors, or are otherwise used by Vertu Motors plc as permitted under applicable law. No usage rights of any of this website or its contents are licensed to you unless expressly stated in these Terms and Conditions.
You may view, copy and print the contents of this website for your own personal, private, non-commercial use. You agree to make use of this website and its contents only for lawful purposes. You may only establish and/or operate visible or invisible links to this website with the prior consent in writing of Vertu Motors plc.
You may not copy, reproduce, republish, adapt, modify or otherwise use any of the contents of this website for any other purpose (in particular any public, commercial purpose) without the prior consent in writing of Vertu Motors plc. You may not directly or indirectly make use of any software or system in order to extract systematically, routinely or regularly data from this website or its contents. You may not use this website or its contents for any unlawful or malicious purpose, or for the purposes of causing offence, or any defamatory or libellous activity.
Without prejudice to the generality of the paragraphs above, Vertu Motors plc prohibits the use in conjunction with the website of any automated system or software, whether operated by a third party or otherwise, to extract any data or content from this website for comparative websites or any other commercial purpose, without the prior consent in writing of Vertu Motors plc.
Vertu Motors plc reserves the right to monitor your usage of this website and to suspend access to or use of this website if your use contravenes these Terms and Conditions and Vertu Motors plc also reserves the right to take such action as it considers necessary in relation to any unauthorised use of this website.
In our continual effort to improve our levels of customer service, please be aware that calls may be monitored and recorded for training and quality purposes.
Competition Terms and Conditions
Competitions are open to anyone aged 16 or over. Competitions are free to enter and the winner will be drawn randomly. No alternative prize will be offered. Should you win, we will notify you directly for your contact information. We will not share your contact information with any third party. The winner will be posted on the site. Strictly one entry per person and duplicate entries will be cancelled.