Terms and conditions

This website is operated by Rapid Vehicle Solutions Ltd, company number 09949124, registered at Wellington Mill, Bolton Road, Blackburn, England, BB2 3PZ.

Contact us on 01493 236071 or at info@rapidvehiclesolutions.com.

[TBC — FCA authorisation status and firm reference number, if the company is authorised or acts as an appointed representative for regulated credit broking.]

We advertise vehicles available to lease and arrange the agreement that puts one on your drive. Depending on the vehicle, the agreement may be with us or with a funder we introduce you to; we will tell you which before you commit to anything.

A price on this website is an invitation to enquire, not an offer. Stock, pricing and availability change, and a vehicle is only yours once an agreement has been signed. We correct errors when we find them, and we are not bound by an obviously wrong price.

We do not run a credit check. We assess whether the agreement is affordable for you, which is why we ask for proof of income — 3 months of payslips or bank statements — rather than searching your credit file.

A member of staff reads every application and records the decision. Nothing is decided automatically. If we decline, we will tell you the reason.

We ask for three years of address history because a funder needs continuous cover, and for your National Insurance number because a funder needs it to reach a decision.

Your bank details are collected on the application form so the direct debit is ready if you go ahead. Nothing is taken from your account when you apply, and nothing is taken at all unless your application is approved and you accept the agreement. The Direct Debit Guarantee is shown on the form and applies to every payment we collect.

• ·Upfront payment. Paid before delivery. Where a vehicle is advertised with a refundable upfront, the conditions below apply.
• ·Monthly rental. Collected by direct debit on the same date each month for the life of the agreement. Prices are shown both including and excluding VAT; which applies depends on whether the agreement is personal or business.
• ·Missed payments. If a payment fails we will contact you. Persistent non-payment can end the agreement and lead to the vehicle being collected. [TBC — late payment charge, if any]

On vehicles advertised as having a refundable upfront, your upfront payment is returned when the vehicle is handed back, provided that:

• ·the vehicle is in good condition, allowing for fair wear and tear;
• ·the mileage is within the agreed allowance, or any excess mileage charge has been settled; and
• ·all monthly payments are up to date.

Refunds are processed within 10 working days of the vehicle being collected and inspected.

If one of those conditions is not met, we will tell you what has been deducted and why before the refund is paid. [TBC — the damage standard used at inspection. Naming a published industry standard here, such as the BVRLA fair wear and tear guide, would make “fair wear and tear” checkable rather than a matter of opinion.]

Not every vehicle carries a refundable upfront. The vehicle page says which, and that is the one that applies to your agreement.

Every agreement has an annual mileage allowance, chosen when you order and shown on your agreement. The allowance is assessed over the whole agreement, not month by month — a heavy month is not a problem if the total is within the allowance at the end.

If you exceed it, an excess mileage charge is payable on the additional miles. The rate is in pence per mile, is fixed at the start, and is shown on the vehicle page and on your agreement.

If you can see you are going to go over, tell us. Adjusting the allowance during the agreement is usually cheaper than paying the excess at the end.

A rolling agreement continues month to month rather than for a fixed term. Two things govern how it ends:

So the earliest a rolling agreement can end is the end of month seven: six months of committed term, then a month of notice. Notice given during the minimum period takes effect at the end of it rather than being refused.

Six months and one month are the standard terms and are what the vehicle pages quote. A particular vehicle may differ — your agreement is what binds, and it states both figures.

A fixed-term agreement runs for its full term instead. Ending one early is possible but is not free. [TBC — the early termination charge, and how it is calculated.]

Unless your agreement says otherwise:

Maintenance is not included on any vehicle we advertise. Servicing the vehicle on schedule, and keeping it roadworthy, is yours to arrange and to pay for. A vehicle that has missed its servicing can attract a charge at the end of the agreement.

You must insure the vehicle on fully comprehensive cover for the whole agreement, and keep it insured. We will ask for evidence, and driving it uninsured is a breach of the agreement as well as an offence.

• ·Keep the vehicle serviced according to the manufacturer's schedule, and keep the records — they are what shows it was done.
• ·You must not modify the vehicle, sell it, or use it as security for anything. It is not yours to sell.
• ·Tell us promptly if it is damaged, stolen or written off.
• ·Only people permitted under your insurance may drive it.
• ·[TBC — whether the vehicle may be taken outside the UK, and on what conditions.]

[TBC — the cancellation right. If any agreement is a regulated consumer credit or hire agreement, statutory withdrawal and cancellation rights apply and must be stated here in the form the legislation requires. This needs confirming against the agreements actually used rather than described in general terms.]

Whatever the position, we will always tell you in writing what you can cancel and by when, before you commit.

Tell us. Our complaints procedure sets out how we handle it and how long we take.

Nothing in these terms limits your rights under the Consumer Rights Act 2015 or any other right that cannot lawfully be excluded. We do not exclude liability for death or personal injury caused by our negligence, or for fraud. [TBC — the limitation of liability, drafted separately for consumer and business customers, since what may lawfully be limited differs between them.]

What we collect and how long we keep it is set out in our privacy policy.

These terms are governed by the law of England and Wales, and the courts of England and Wales have jurisdiction.