Car Leasing for Doctors and Nurses

My profession is a lawyer for a limited liability partnership and was wondering if you offer car leasing to people with bad credit on their file?

Yes we do car leasing for bad credit history customers. If your history is really bad we look into an arrangement that is called hire purchase. That is where you pay the monthly fees but you actually pay off the car as well and the car becomes yours at the end of the arrangement. You will not have to pay a balloon payment like in car leasing.

I am looking for a mini cooper to lease. I have bad credit but not to my fault, as my former child minder ordered catalogue goods in my name whilst I was at work. I never knew anything about it until I tried to buy a new car this year. Police and credit file companies will not assist and re move the offending records from my file. I finished paying a £15,000 personal loan with Halifax in March 13 and have a good salary. Hope you can assist.

Don't get me wrong but it is your fault because you left your credit card details lying around. This still makes you liable and of all people you are a lawyer, you should know better? Saying that we will have to treat you as if you had bad credit regardless if it was your fault or not and we can help.

Thank you, can I have a quote on the mini cooper?

I'm afraid the Mini is not an option for people with bad credit. Cars that you might be able to have are KA, Fiesta, Corsa, Hyundai i10, Polo, Aygo, Spark and some other ones within those prices.

I work for a company as a pricing analyst, I have excellent credit history, I would like to lease a small and safe city car for no more than 24 months. My miles per year are going to be around 12000 and I would like to spend no more than £120 inc VAT per month if possible. My first choice would be Peugeot 208, but I know it is a bit expensive. Please advise with regards relevant offers. Thanks Sofia

There are a couple of cars that come to mind, I will send you a quote, please check your email.

I'm a corporate account manager for virgin media business looking for a BMW 3 series, my miles per year are 15,000. Lease period quote for 2, 3, 4 or 5 years, Second choice car is BMW 520 Efficiency Dynamics. My credit history I think is poor.

I will track you for a BMW 3 series quote and an advisor will contact you.

According to your website your only have a 1 series in stock for bad credit leasing! Your website indicated that the 320 is in stock an available on bad credit also. Is your website accurate then or do you just refer interested people to other companies? Can you guarantee stock availability like your website states?

BMW 3 series are in stock, however, don't you think you are jumping the gun? In your original quote request you did not state that you have bad credit history. You stated it was poor. There is a bid difference here. At this state we do not credit check, so we have to go by what you stated. I'm afraid if your credit history is bad then no one said you cannot have a BMW 3 or 5 series but the price will be prohibitive because the funder will charge a higher interest rate. If your credit history is really bad then I would not recommend a BMW any series because they depreciate so much and you will have to pay for it via the Hire Purchase agreement. I would recommend something in the lines of an Insignia, Megane or Mondeo. It really is down to your credit history and how much interest the funder is going to charge. Is this any clearer or do you need further information?

Ok, sorry about that, I didn't mean to be rude. I had a look again on the lease info page and it says you can have a BMW 3 if you have bad credit history.

Yes you can have a BMW 3 if you have bad credit history but you cannot lease or hire it, you have to Hire Purchase the car which means you have to pay to keep the car which makes the monthly payments higher and in many cases prohibitive. It is up to you really if you want to pay for such a car.

Seriously, apologies!! I am unsure if it is classed as bad or poor. I am using the terminology on the website. As I didn't see a poor option. Maybe you are right, I have spoken to your funders in the past though and they don't always have in stock what you enquired about which is why I thought I would check. I am currently leasing an Audi at the moment, but this ends at the end Jan so wanted to check other options. Thanks for your email and advice.

I'm looking for a Mazda 6, please can you base this on 5000. If this deal is not available please let me know ASAP as need to sort out quickly

I have emailed probably 6 or more times now and said to you it is not available.

Can you give me the details of the Mazda 6 deals that do exist?

I believe I have told you already that there are NO offers on any Mazda 6. None. if our partners can get you one as an ex demo lease then fine but we DO NOT have any available at the moment and there are no indications if there will be any available. Is this understood please?

I thought you meant the particular one I was enquiring wasn't available. At no point did you say all 15 deals you have on your website aren't available. So basically the 15 Mazda 6 cars listed all that say hire now don't exist. Ok I do understand . I won't bother you anymore. Maybe if cars aren't available they should be removed from the website until they are???

Like other websites we list various cars from the manufacturers. Is a good deal comes along then we highlight it. If there were some good deals for the Mazda don't you think we would be telling you this?

I'm pretty new at this with websites. Normally go to showrooms but looks like the internet is here to stay. OK, I will take your offer for the Insignia as it is the best price I've found anyway.

I am looking for nil deposit or small deposit leasing, PCP or HP options for range rover sport HSE. Term of 4 or 5 years. I have a company vehicle also so mileage would be low. I would also consider other range rover sport options

Based on your requirements, an advisor from the Motor Group team will make contact with you and send you a quote proposal.

I emailed you regarding the information and have not had a reply ... I definitely have excellent credit as I checked and so can you confirm if the below company hippo would still be best. I also forgot to mention I have a car which could be part exchanged Audi A5 cabriolet

Yes our partners would be best and they also do part exchange. Has one of the advisors contacted you?

We are looking for a 7 seat vehicle like a Zafira as we are childminders so any 7 seat or above vehicle would be considered. We don't mind a ex demo vehicle we use the vehicle for short runs mostly around 8000 miles per year. £0 or low as possible deposit would be good a nd a monthly payment of approx £150 would be considered, and if maintenance packages are available we would be interested.

Based on your requirements, an advisor from the motor group team will make contact with you and send you a quote proposal.

We did look at the Zafira on your website at £139 per month would this be an option?

The Zafira at £139 is plus vat so it makes it £500 deposit and £167.87 per month. However, it is not available and the offer I'm afraid expired. A Zafira 7 seater costs £274 per month depending on the model. Maybe the guys can get you an ex demo one for less but you need to wait to speak to an advisor. That is why I suggested the Renault Grand Scenic at £199 inclusive of vat it works out far cheaper. Does this make sense now?

Now I am confused, all zafiras are 7 seaters and your website has lots of zafiras at £139 and £149 no where near £270 as my Email said we don't mind a small deposit but can't stretch much over £150 Sent from my HTC

All prices are plus vat. The £139 is without the vat, with vat the price is £167.87 - is this understood? Because a vehicle is listed it does not mean it is in stock. Like other websites we list the car models of each manufacturer. However we try to list the best deals but deals come and go.

How do I pick a car that is in stock?

The deals that are available have a Green Logo next to them stating IN STOCK. - is this understood? if you cannot see the Green IN STOCK logos then please scroll down the page. Saying that if you are using a HTC then not sure what you are seeing? The website is best viewed on a PC computer. The Zafira that is brand new "out the box" is at £274.00 per month with a £812 deposit. The Zafira that is in stock is an ex demo deal and the price is £227.92 with a £595 deposit. The Zafira that is in stock is an ex demo deal and if you DO NOT want to pay a deposit then the price is £244.80 per month.

Now I understand, i'm really sorry.

Good afternoon, I have completed one of your online quote proposals and would like to discuss with someone the opportunity of having a lease car. My details have been forwarded to your finance partners and although I have received one quote from them, there has been no response to my emails and voicemails. I have just managed to contact someone via phone who gave me your email address. I am looking to lease a 5 door Ford Fiesta with air con. On your website against a nearly new Fiesta, it says it includes warranty. Please can I ask you to provide me with a quote for the above vehicle as opposed to your partners. Many thanks and kind regards

I'm not sure what you mean about warranty? All our cars come with manufacturer warranty including the cars that we would offer you. If you mean maintenance that is extra and in most cases it cost far less to make your own arrangements with your local garage. The Fiesta that is on offer is £495 deposit + vat and £109.99 plus vat per month making it approx £595 deposit and £131.99 per month. There is however a couple of more Fiesta models that cost more as it depends on the exact specification. Also, if you want the car delivered to you then a delivery charge will have to be paid. All this of course we assume you have good credit history because if it is bad the price are far higher.

Sorry I didn't understand what warranty meant.

I have asked the sales staff if they are reverting customers back to customer services and they said the following. Hi thanks for your email, here’s the explanation. Customer said the time 4 leasing website says maintenance and road tax included for the duration on the used fiesta. I know we don’t include that so I thought it was on another deal you have with someone else so reverted her back to take that up with you. I explained the benefits of our ex demo but she insisted she wanted a new car with maintenance (service and tyres) and tax for the duration. I have therefore explained I will obtain a quote for this form Ford Direct. Not sure where she is getting her ‘none contact’ from as you can clearly see I’ve left her messages and text her twice. I sometimes think some people are just out for a good old winge. All the same I’ll do my upmost to deal her.

I'm very sorry to have caused you problems. I will take your offer for new and pay the extra for maintenance.

No company offers maintenance included. It is always extra. However, we recommend you do the maintenance yourself at your local garage when the time comes. It cost far cheaper.

Thank you for the advise.

Hi, I'd like to lease a car, my miles per year are less than 5000, 3 year lease, Diesel, Manual and I do not have a driving licence.

If you don't mind me asking you, if you do not have a driving licence, as you stated in your application, how and who is going to be driving the car?

My partner of 33 years and a concerning motorist who passed his test in 1968 is my driver!!!. He has a full no claims bonus.

I'm not concerned about when he passed his test and how he drives, but to lease a car you need to have a driving licence if you have poor credit history or you actually can lease a car if you have no driving licence and you have excellent credit history.

He looks after our cars impeccably ( he had his own car valeting business) and we never have had a problem finding a new home for our passed cars! He is ... and was born ... I hope this explains everything.

I do believe with car leasing the person leasing the car has to be the one with the driving licence if they have poor credit history. in this case he would need to apply. I do know his name but would require all the other details to be able to produce a firm quote.

In the past I have owned our cars but they have always been in my partners name. I am the principal "Bread Winner", so that is why I finance the cars and assumed the same when leasing as my partners income would not stretch to car leasing, that is why I am enquiring. For your information, we own a van as well as the car and we would use that as transport while we sell the car for around £4000 and this would be used as a initial payment on the lease/hire.

With car leasing the person leasing the car has to have a driving licence. However, we do offer car finance too and in this case you can finance any of the cars you see on the time4leasing website and then allow someone else to drive it as long as it is insured. Would this work for you?

Surely a couple can lease hire a car without both of them being license holders and if the money comes from the one without the license what matter as long as the driver is named. This smacks of discrimination and for this reason, we will not be pursuing any further business with your company. What if a married couple want to lease hire a car and the husband doesn't drive but the cheques or direct debit is in his name, what then? Do you turn the trade down? Good day.

With all respect you stated that you are not a married couple but partners living together. I'm afraid that is not the same and I can only go by with what you originally stated. I said that to lease a car the person leasing the car has to have a driving licence if they have poor credit history or do not need to have a driving licence if they have excellent credit history. This is dictated by the financial conduct rules. With poor credit history the person leasing the car has to be the registered keeper and the person insuring the car. There is an agreement where husband and wife can do a joint application for car leasing. However, are you legally married? I did not say that we are turning your business down. We have other solutions like car finance where one person can take the finance and the other person drives the car. Not sure where we go from here.

So in other words, (Ms E) who has been my "Common Law" wife for 33 years is unable to lease a car for her "family unit" because she hasn't a licence. I know exactly where we are going from here ! Nowhere!

I think you have misunderstood what I have written to you. Are you reading things out of context?

I would appreciate it if you did not reply. I have just found a company who will entertain us with no concerns that we are a couple living together for 33 years (longer than some couples are married) and we are proceeding with that company! You win some you lose some !!!