Hi, I found your application. Cannot see you getting any decent car for just £100 if you have bad credit history and no deposit. The Focus deal would work out something like £200 to £250 a month and that is for a used car approx 4 years old. For £150 a month probably a car like a Corsa or similar. Can you afford this?
Do you not contact people over the phone?
Yes of course we contact people over the phone once they have qualified the first stage.
What's the first stage I need to qualify? I much prefer to be dealt with over the phone.
You said your budget is £100 a month. Answer the question please. Can you afford £150 to £200 a month?
I put £150 in my application. The focus said from
£97 hence the £100 would have been perfect. I do prefer to keep it low as would most people.
Sure £97, but that will be
plus vat. Everyone pays the vat. However at that price it is for people that
have excellent credit history. You don't and the price will be higher due to the
increase in the interest rate. I'm afraid you did not put £150 a month. You said £100 and that is why I am not trying to raise your hopes but to be realistic about what you can have. If you can afford £150 a month then please except an email in a few minutes with an update
Sorry didn't see it was
plus vat. If I could talk to someone about circumstances and budgets over the phone then this would be a lot easier and more professional than messaging over facebook.
Please check your email for an update. You will be able to talk to someone once they have looked at your application This can take approx
up to 3 hours from this moment. Please be patient.
How long does it take for someone to get back to me after filling out form on your website
Normally it takes just half an hour,
sometime even just a few minutes if it is during office hours. However as we do not know what your credit history is like this can take longer. If you have not been contacted by an advisor by tonight then message me and I will fast track you.
Ok thanks it was yesterday I filled in the form I did get a reply from someone
think it was one of your agents but I did not fill a form in for them.
They are one of our agents. We have 17 agents around the country. Any reason you don't want to use them? or would you like to try with someone else? please advise.
No it's ok did not know you were the same company. Your site says Nissan juke £167.99 but got reply from hippo and it's jumped up to £208 for a used one?
Hi Ian, on our website there are 51 offers for the Juke starting price is £167.99 to £467.99 NOT ONE model is the same
as the other. The price you were quoted sounds right which depends on your credit score as the
APR varies and type of car leasing agreement. If you want a brand new Juke, Nissan dealership requires excellent credit history and normally 6 up front as a deposit which lowers the monthly payments. Where, if you would like the Juke at approx £167 a month and pay a very low deposit we have another agent who can offer you this but it will be an ex demo and slightly used one. 2012 reg done 24k miles. This is the model Nissan Juke 1.5 Dci Acenta [sport Pack] 6sp Blutooth Usb Aux. Guide price is £167 a month. What would you like new or ex demo?
The £208 was b4 I was credit scored I'm not bothered if it's new I was also looking at the Astra how much are they
The Astra previous model is at £95 a month, £144 - £195 for new shape. Prices based on £595 deposit and 47 payments. Prices a bit higher if you pay no deposit. Prices for new shape are for 2 year old and perfect condition and with lifetime warranty or 100,000 miles.
Please advise.
Is it possible to go for the lowest priced Astra or ford focus sorry for being such a pest
You are best to contact your account manager and swap the car choice.
Yes
please
Hi I am looking to lease a car or hire long term
I've been on your website and I like the prices for the cars, I have filled the application but no one has got back to me?
Hi, please check your email now for an update. You will probably be contacted Monday when the offices are open.
I've been contacted but
was told that I was not accepted.
I've just checked the
systems and I'm afraid we could not find a suitable lender to finance the lease
side of the vehicle. Not sure why but could be because you need to improve your
credit history. Saying that, you can lease a car in someone else's name and the
payments come out of your bank account. Would you like us to make such an
arrangement?
Didn't know you could do
that. Yes please.
Why was I not approved?
Have you lived and worked in the UK for at least 3 years or more?
Yes, I live in the UK 3
years but I work 2 years and only recently got on the elections role register.
Why you ask?
You need to be on the UK Elections Registration for at least 3 years or more. Are you?
No
You will need to be on the UK Elections Registration and able to vote first for at least 3 years before you can apply with us for car leasing. I'm sorry that is the rules for everyone.
Ok, no problem. Have a good day!
I have just applied
online and I didn't get a confirmation email as you state.
Hi, I will send you your confirmation email. However our partners who handle the finance side of the car lease say that they did not find any lender to accommodate this. You also say you have no driving licence, is this true?
My partner has a licence. I don't, is there anything I can do? I'm actually not sure if my credit is poor?
The rules are if you do not
have a driving licence then you need to have good credit history as our lenders
do not mind if you do not have a driving licence if you have good credit history
and even if you do not work. However, if you have bad credit history then you do
have to have a driving licence or someone else can lease the car for you and the
payments will come out of your bank account.
I have applied for a lease but credit
lender partners have said there are no available lenders. What shall I do next?
Our systems are saying that you are still with the underwriter and as it is Sunday it would be probably Monday with a final decision is made. When you say you have poor credit history is that really poor or very bad? also is your address details correct? that can effect the outcome.
Its poor, its sitting about 468
score. My partner has also submitted a request but I would of rather had it in
my name. My partner has just been approved by you!
Good to hear your partner got approved. When you are contacted by your customer advisor you can discuss maybe a joint application?
How would that work? Would they need to re-credit check?
No credit check was made. A provisional automated scoring system was executed. I see she is a homeowner lived there more than 4 years, etc. Just looking at that she seems to be the one with the better credit score. I'm afraid not all advisors work on a
Sunday and it might be Monday when they contact you if they do find a suitable lender to finance the lease side of the vehicle. As a backup plan it would be your partner that leases the car and she might like to ask her advisor if you can be on the application too? Otherwise you need to speak to your advisor if you want to finance a car on your own.
Hi, I tried to call to
discuss about my recent application but got directed to your facbeook page.
Would someone be able to call me back to discuss my application? I've not got a
driving license but would be leasing the car on behalf of my partner who has a
full license, would this be a problem?
Hi, please check your email
for an update. Yes you can lease a car in one person's name and have the
payments come out from someone else's as long as you have their consent, but you
will need to speak to one of our advisors first.
I've seen on your website a Nissan GT-R, would like to discuss more about this and ideally lease it from you. Please contact me.
I'd like to point out that to be able to lease a car like this a minimum £3500 NET monthly income and a good or excellent credit history will be required.
Is this the same for business use?
For business user the lease would be taken out in the director's name and needs to have excellent credit history. However if it is anything else like fair or poor then the same rules apply where the payments cannot be more than approx 20% of the customers net monthly income. In your case it would be £260 maximum a month. The GT-R costs from £697 a month (inclusive of vat).
You can try to lease or hire purchase something cheaper up to the value of £260 a month payments.
Thanks for that, makes things clearer. Is there nothing you guys can do for me?
I'm happy to put down a £3-4k initial payment of it helps.
I have just spoken with one of our sales advisors, and he says it will depend on the customer’s credit rating. If they are prime, then they don’t have a set percentage of the salary that the payment has to be. If they are sub-prime
(bad credit leasing), then the 25% of the salary comes into effect. The best thing would be for them to apply and speak with a customer advisor.
Hope that helps. If you need anything else, let me know.
Can you give us a price on how much a Fiat 500L would cost on purchase hire?
Thanks
Yes, the Fiat 500L is
within the price range that would be available to you.
Hello, I'd like a Range Rover or Discovery 4x4. My partner is a child minder and will be a joint car.
Prefer something economic too.
As you have bad credit
history, you will be contacted by one of our affiliate partners who can help
you.
I will be complaining about your company to trading standards and the financial ombudsman as your website does not clearly state that you are a broker that passes on details to a third party credit company.
I can reassure you that is
not the case. We are very clear about how we work. Of course we are brokers and
not any old broker, we are probably the cheapest on the internet. The first
thing you will read at the top of this page is that we say that time4leasing is
50% cheaper than any car dealer.
Please delete all of my details you hold and do not pass on my personal information to any one else. Should you do this, I will summons you to court for breaches of date protection should I be contacted by any other company who state they have been given my details from yourselves.
Your details have been
deleted and no one will be contacting you ever again. You are missing the point,
we are car leasing and car finance brokers. That is how we work and we find our
customers the best possible car at the best possible price. Sorry to see you go,
you loose. Not us. Have a good day.
I screwed up, sorry for
the problems I caused you.
No worries, however I'm afraid
we deleted your details and we will not be contacting you.
Hello I have bad credit history and I
will be using the car to work and school runs, I do roughly 20000 miles a year.
With our cars, you can do
what ever you like with them, specially if you lease a car with a HP agreement
as we can offer you unlimited miles.
I'm confused as to how it says
the price is £76 to lease on your website but the deal you sent me said it is £165 it's a big difference, are
you able to offer me anything like your first deal but for £100 to £120 a month please doesn't have to be brand new but newish please?
Prices are based on the customer's credit history score. If you reload the page with the Corsa's the price is from £76 if you are a business, vat registered and have excellent credit history.
If you scroll down the list of offers you will spot the offer which is for people with bad credit history which starts at £138 or more depending on how bad your credit history is like.
You are best to contact Karen, I'm sure she will do you a good deal.
Hi, I want to lease a
car, I'm unemployed and do not have an income, I live on benefits and want a car
to try and find work.
The only time we would
consider leasing a car to someone unemployed is if they have good credit history
and or they live with someone else that is an income earner, like your partner,
husband or wife.
Hi yet again no call back when your site states within 3 hours now been about 4 days and nothing when one of your
partners could be bothered to call with an option I may consider I can only think that it is down to my unemployment and poor credit which your site claims can help that I am not important enough?
Ideally someone should have contacted you to let you know that to be able to lease any vehicle with bad credit history you will need to be employed and prove affordability. The only time a customer can be unemployed and be able to lease a car is if they have good credit history.
I'm afraid we cannot find a suitable lender to finance the lease side of the vehicle for you.
Yes would have been nice to be contacted even though that is the case obvious not important enough for even a call to say so
discrimination comes to mind and your site should have explained this as it allowed me to select these options but I take it the little people don't count and the terms as you explained them should be visible or explained on your site when this option is chosen if people cant be bothered to call back so I will take this up with trading standards and the papers.
I can reassure you we do
explain this. Like in this forum, but as the spectrum of car leasing is massive,
I cannot see how anyone could read all this information. We are always glad to
help our customers before or after they have applied. On the application form,
there are help buttons and it does explain that you cannot be unemployed and
lease a car. However, you can lease a car in someone else's name, obviously have
their approval and the payments can come out of your bank account if you wish.
My miles per year are approximate 12 to 15.000 possible 5 year package so own car at end of lease,
can you help me?
Yes we can, you will be
contacted by your personal customer advisor.
Hi Steve, yes I have spoken to Alastair from
your finance department and he said he will have to do a credit check which I thought your Web site said not necessary?
No we do not credit check when you submit the form, if that is what you mean. However, to proceed further into the application a check will be needed to clarify your details, credit history
and for antifraud measures, etc.
How else will they be able to get you a firm offer?
I've seen on other
websites that they do not credit check and do non status car leasing. Can you do
this?
Leasing or financing a car via a company that will not credit check whatsoever
will charge you an astronomical price. The payments will probably be double or
even more. Some charge 50% or more APR. That is the price to pay for this service.
Oops didn't know that. So
are you saying if I give my approval to be credit searched I will get a better
price from you?
If you look at some of the
examples we promote, you will see you can have a small city car (use and in good
condition) for as little as £139 a month and for something like a family car,
£150 to £200 a month. Just make contact again with your personal customer
advisor and they will help you out.
Hi I'd like to lease a Diesel, Automatic Budget up to £600/ month
3 year lease options? BMW 3 Series, BMW 5 Series, BMW X5, Range Rover Sport Merc C Class, Merc E Class, Dodge Nitro.
Having submitted your application for the Mercedes, although we help people with bad credit, I'm afraid we could not find a lender that would finance the car lease side of the vehicle. This could be because you are not currently on the UK Elections Role, you have patchy address details or you have something in your credit file that you will need to address before you can apply again in approx. 3 months.
Are you aware of any of the above issues?
Possibly it has to do
with my address details. I'm a contractor so have multiple addresses depending on where I am. At the moment, I'll have 3 likely as not.
You need to show 3 years
address history, ideally not moved more than once a year as this does not go
down well with any lender.
I am currently on motorbility with
Nissan, however I have been reassessed and will go on to low personal
independence payment end of march, therefore having to return car in early April. Have deposit and a
guaranteed fixed amount of money monthly to pay for a low, cost and used vehicle, which
I feel could be my best option for now, plus guarantor. Can you help?
If you have poor or bad
credit history then our partners would look into a sub prime car lease finance
solution and you would have a good chance of getting a car with the guarantor route providing they were happy to have it all in their name bar the DD.
If you have excellent or good credit history the route will be with a prime
lender and you should be OK regardless if you are employed or have a disability.
