Vehicle Leasing Faqs

Who provides finance on the vehicles?

We act as an introducer to selected lenders who are chosen by us once we have evaluated (among other things) their products, service and reputation. We may receive a fee or commission payment from a lender as a result of us introducing you to them. You can ask us how much we are being paid by a finance provider to introduce you to them. Simply call, mail or write to us with your request.

Do you receive a commission on introductions made to lenders?

In most cases we will receive a commission for introducing you to a lender.  You can find out how much this is by contacting us in writing, by email or telephone.

How can I make a complaint?

In writing: West Midland Vehicles Ltd. Westmid House, Stourbridge Road, Halesowen, West Midlands, B63 3TT.

By telephone: 0121 550 1500

By email: sales@westmid.co.uk

Should you not be satisfied with our final response you may be entitled to refer the matter to the Financial Ombudsman Service (FOS) within six months of the date of our final letter:

In writing: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR

By telephone: 0800 023 4567, 0300 123 9123 or 0207 946 0500

By email: complaint.info@financial-ombudsman.org.uk

Website: www.financial-ombudsman.org.uk

Who Supplies the vehicles?

All our vehicles are supplied through the relevant vehicle manufacturers UK dealer network

Do vehicles have a warranty?

Yes, all our vehicles come with the full UK manufacturer’s warranty.

Is maintenance included?

Maintenance is an optional cost and includes all servicing, tyres, brakes, exhaust, battery and labour. Everything apart from insurance and fuel is catered for. This is perfect for companies and fleets who want fixed cost budgeting and no unexpected service costs.

What happens when I need a vehicle serviced or repaired?

If you included maintenance in the contract you will receive a maintenance contact number from the finance company from which you can book the vehicle into a local approved garage. Upon request you may also be able to request free vehicle collection and delivery.

What if I need a replacement vehicle?

If your contract included an optional relief vehicle then this can be arranged by calling the maintenance number provided by the finance company. Without a relief vehicle option a hire car can be arranged at preferential rates through the finance company.

Is roadside assistance included?

Yes, all vehicles include either 12 months or 3 years breakdown recovery, depending on the manufacturer.

What happens in the event of a breakdown?

All vehicles include at least 12 months breakdown cover from the manufacturer although many manufacturers now offer 3 years cover free of charge. Within the car or van book pack there will be an emergency number to contact day or night.

Is delivery and collection included?

We offer free UK mainland delivery. Collection depends on the type of contract taken. For contract hire or personal contract hire and contract purchase or personal contract purchase the finance company will collect the vehicle at the end of the contract unless you are purchasing the vehicle.

What are my options at the end of the contract?

This depends on the type of contract taken but usually you can either hand the car back, extend the contract, or purchase the vehicle from the finance company (dependent upon the funder).

How long is the lease period?

Our contracts range from 12 to 60 months depending on the vehicle and contract chosen.

What is the initial deposit?

While a minimum one payment upfront is available, typically an initial deposit of 3 monthly payments is required. Larger deposits can be given to reduce the monthly payment.

When is the initial rental and monthly payments taken?

Dates for initial rental and monthly payments are dependent upon the finance provider. Some providers take the initial rental within 14 days of delivery of the vehicle, whilst others take payment before delivery is booked. Monthly payments are usually taken one month after delivery of the vehicle on a date set by the finance provider.

Will the contract include Road Fund Licence?

Yes, either for the duration of the contract or 12 months. This will depend the type of contract taken.

Is car insurance included in the lease?

The lease contract does not include insurance, you have to arrange your own fully comprehensive insurance on the vehicle.

What if I exceed the agreed mileage on the contract?

Any mileage over the contract is charged at the excess mileage rate charged in pence per mile. As an example if the excess was 5 pence per mile then for 1000 miles over contract you would be charged £50.

What happens at the end of the lease contract?

At the end of the lease you can either arrange for the vehicle to be collected or you can extend the contract on a month by month basis. Sign up to the same vehicle for six or 12 months and get a discounted rental.

What happens if I want to end the lease early?

We request a termination figure from the finance company and report back to you.

How long does it take to get my vehicle?

We can deliver within 10 working days as long as the vehicle is in stock. Obviously, factory orders are governed by the manufacturers. We can deliver more quickly if there is an urgent requirement.

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