Car Leasing Increases in Birmingham

Hi, I have try to contacted you couple times, however, it been never receive any email confirmation reply, so I am thinking my browser's problem. In this case, I try to send it again via different browser. I have poor credit history, but i would like to find the car budget under £200 , i can afford low deposit around £500. I saw CODE : VA-99-110-4-P for £167.87 personal hire even bad credit rate, can i have some information about this? Thank you for your kind help.

If you are emailing me about a Zafira for £167.87 per month - that is if you have very good credit history. Because you don't have then the price is much higher. Probably cost you about £230 a month. Are you happy for me to send you a quote?

Thank you for your quick reply. Yes, please. Can you send me the quote? How about if my sister who is doctor with good credit and income and she can be my guarantor? She said she could do it for me if it would be more help in my application? otherwise, if i am looking small car and low monthly payment, as my sister will be the guarantor I guess I can lower my budget within £150, can you give me some idea of it too? many thanks for your help.

Hi, I'm looking for any automatic car, I sent a quote request of 4 hours ago and still not received a confirmation email nor a quote. Thank you

Looking to lease a car for 36 or 48 months. My company are paying me a car allowance at £540 a month and I have a deposit. Would like a range rover sport or a Audi q7 if not a family car Thanks

For a brand new Range Rove Sport we are talking about £700 to £800 a month to lease such a vehicle. There is an ex demo Range Rover and that one is at £600 a month (inclusive of vat). Audi Q7 not in stock and still your budget is not enough. However, there is a Mercedes ex demo within your budget at £540 per month. Nice powerful vehicle and very refined. Any interest on this one? please email me for more info?

That sounds super, yes please.

I just noticed you have bad credit. : (( Please explain what your bad credit is all about, when did it happen what have you done about it and have you kept up with all payments in the past few months?

That Mercedes ex demo is fine it's lovely, I had a ccj which was paid off last month. My company is only doing car allowance now

I have no problem with putting you forward for this Mercedes but I don't have access to your credit file and I do not know what your rating is. If you noted down that it is bad - how bad? because if it is still looking bad although you settled the ccj, the funder might not approve the moneys. You said you have a deposit, how much do you have? the more the better as this will show the funder you can raise money if you want too. Also have you being a while in your current job and current house? Please answer these questions as I want to put you in touch with the right funder.

I think it bad because of the ccj. I have about £3000 as a dep I have worked at the company over 6 years and lived at my old address for 12 years which I owned but now I am renting with my partner. I understand this is a problem but at the end of the day I am trying to get any car for work, the company rules are that the car must not be any older then 8 years old and must have four seats See what you can do but I understand that this might not happen because of my bad credit

Sorry to hear that about your challengers. We can give it a try with our subprime funders and see what they come up with, as they are more lenient than the main stream funders that our out there. However, I don't think it will be a prestige vehicle like the Mercedes ML, not unless you can put down a decent deposit. I think £3,000 is a good deposit, but you might not have to use all of it. May you are best to keep £1,000 or so in your account to cover you for any rainy days? I will resubmit your request for the Mercedes ML and when the advisor makes contact you may discuss your options. If you need more help with anything else do email me too.

Looking to lease a car for 36 or 48 months. My company are paying me a car allowance at £540 a month and I have a deposit. Would like a range rover sport or a Audi q7 if not a family car Thanks

Hi, I'm a social worker and would like to lease a car, 10000 miles a year £200, Max no deposit, 4 or 5 year lease, choice car - Seat Leon or Honda civic, can you help?

Yes we can.

Could you please advise me of the progress of my recent application?

You should have been contacted by now by an advisor from the Motor Group. Are you saying no one texted you, emailed or phoned?

I have not heard from anyone regarding my leasing application.

In the meantime until the advisor contacts you, may I ask you how your credit history is like?

I have not applied for credit for three years or more, due mainly to the fact that I have previously had difficulties, but I have been involved in a debt repayment scheme and have not defaulted on any of my payments since the start of this arrangement. I have never been to Court for non payment of debt.

When you say you have been involved in a debt repayment, as in the past and is it over and for how long was it till you paid the last payment or are you paying still? I assume you can prove income via pay slips? do you have credit cards or any loans in your name at the moment? How long have you lived in your current address? answering above will help me help you further.

I am still repaying the debt management scheme, £342 each month, and there is a couple of years still to run. I have no credit cards or loans at present and I can provide bank statements to verify my income. I have been living at my stated address for the past seven years.

It would have helped if you picked the bad credit option from the beginning as you clearly have bad credit history. As you didn't do that, your quote request went to the prime funding department, which requires good credit history. It takes at least one working day to get approval, then the team was puzzled and why they won't getting approval and anywhere in your behalf, as they assume you had good credit history. Then they tried the subprime department which is more flexible with customer credit history. However, this creates even more delays.

Then why wasn't I approved?

You asked for a no deposit car deal. I cannot see you getting that arrangement as anyone that was on a DMP has to pay a deposit, let along someone that is currently on a DMP. It is not wise to ask for more credit when you are already trying to pay off old debts. In certain circumstances the funder might ask for you to pay a £1000 deposit and you need to get approval from your DMP company to allow you to get into more debt by leasing a car. In short, you have bad credit history, currently paying off old debts, have no deposit and want to get into more debt? If this is the case then I'm afraid leasing is not an option for you. Have I understood this right or did I get something wrong?

You are absolutely right I should have given this more thought than I did. Thank you for your help and apologies for wasting you and your staff's time.