Terms & Conditions

1) General Information;

Textual information on this site is the Intellectual property & copyright (1999) of Morgan Highfield & Land Ltd.
Reproduction, distribution or transmission by any means without the prior permission of Morgan Highfield & Land Ltd is prohibited. All rights reserved.

Morgan Highfield & Land Ltd has made every reasonable effort to ensure the accuracy of the information contained in this website.
The models illustrated and pricing issued are all subject to change in design, equipment & in some instances amount. In parts they may even show optional equipment and accessories not fitted as standard along with model alterations in line with the manufacturer guidelines. For precise information on all model features, exact levels of standard or optional equipment please contact Morgan Highfield & Land Ltd.

2) Online Pricing & Special Offers;

Morgan Highfield & Land Limited is an independent finance broker & credit brokerage with access to a representative range of financial products for the purposes of vehicle financing. Lenders may pay us for introducing you to them.

Within our website pricing is always subject to manufacturer pricing or VED (Vehicle Excise Duty) alignment & may also be subject to change or withdrawn without prior notice & at any time.

Credit agreements with a lender are subject to status, not an offer by us capable of acceptance by you & will be subject to acceptance by a lender. Should you enter into a credit agreement with a lender there may be charges if you decide to end the agreement earlier than the agreed terms (for whatever reason) & you also will be wholly responsible (including any financial costs) for routine vehicle maintenance in accordance with manufacturer guidelines & road traffic laws (unless stated otherwise or clearly detailed within the terms of any agreed maintenance agreement which may be available upon request).

New vehicle Contract Hire pricing is displayed with a variation of monthly terms clearly shown with an initial payment followed by subsequent monthly rentals. In some instances Personal Contract Hire pricing may also be displayed with a variation of monthly terms clearly shown with an initial payment followed by subsequent monthly rentals.
Annual mileage bandings are typically shown at 8000, 10000, 15000 or 20000 miles per year & without maintenance, other terms & mileages are available upon request (or unless clearly stated within www.prestigecarleasing.co.uk or written quotation & subsequent order).

For the avoidance of doubt all subsequent written quotations issued by our company are valid for 14 days from the date of issue but may only be valid while stocks last & are always subject to status or could be withdrawn without prior notice & at any time.

Business Contract hire pricing in RED is shown exclusive of Vat @ the prevailing rate.

Personal Contract hire pricing in BLACK is shown including Vat @ the prevailing rate.

Annual road fund license (excluding any future increase to VED bandings) is included in the monthly rental for the duration of the contract (or unless clearly stated within a written quotation or subsequent order or as part of a conditional credit approval).

Morgan Highfield & Land Limited does not have any hidden charges, administration or credit arrangement fees (or unless stated within a written quotation or subsequent order & as part of a conditional credit approval).

All mainland UK new car deliveries are free of charge & will be driven to their destination, clients should expect "Delivery Mileage" upon receipt. Transported deliveries may be available upon request at an additional cost payable by you.

3) Morgan Highfield & Land Ltd – "Fair Wear & Tear"?

A vehicle returned to a lender, for whatever reason must be in good condition, known as "fair wear & tear".

A detailed classification of "fair wear & tear" throughout the life of the agreement & at the contract end in line with BVRLA guidelines (the trade body for the vehicle rental and leasing sector) is available upon request, please ask for the "BVRLA fair wear & tear guide

4) Morgan Highfield & Land Ltd – Data Protection Statement

DPA Number - Z6396947

Morgan Highfield & Land takes both the collection & protection of your business &/or personal information extremely seriously. Morgan Highfield & Land Ltd declares that all information will be treated confidentially and in accordance with the legal provisions concerning data protection.

Morgan Highfield & Land Ltd will not use the personal information collected on this website for any other purpose than individual customer care, the supply & delivery of your written quotation already requested & to assist with the ongoing prevention of fraud. For this purpose the information you submit may be stored and processed by Morgan Highfield & Land Ltd.

5) Morgan Highfield & Land Ltd - Complaints Handling Procedure;

It is the aim of Morgan Highfield & Land Limited to provide a very high standard of service to every client. It's important to us that all complaints are resolved as quickly as possible and to the complete satisfaction of our clients.

This policy explains how we will deal with any complaints. It also tells you what you can do if you think your complaint has not been resolved to your satisfaction.

If you have a complaint about any aspect of our service then we would like to hear from you. You can contact us by telephone or in writing and your complaint will be resolved in the shortest possible time;

Compliance Manager
Morgan Highfield & Land Limited
The Old Post Office
68 Manchester Road
Deepcar
Sheffield
S36 2RD
Telephone Number: 01142 504030
Email Address: info@prestige-car-leasing.co.uk

To help us to investigate and resolve your concerns as quickly as possible, you should in the first instance contact the department with which you have been dealing. To help us resolve your problem you should provide the following information:

- Your full name and contact information
- Full details of your complaint
- Your agreement details
- Details of what you would like us to do to put things right
- Photocopies of any relevant paperwork

We will try to resolve your complaint immediately; however, sometimes this may not be possible (although we will contact you to acknowledge your complaint within 5 working days). In the unlikely event that we are not able to resolve your complaint by the end of the next business day, we will keep you informed of the progress of our investigations and provide our final response in writing providing our findings and the action to then take.

We will issue a final response by the end of eight weeks after receipt of the complaint. The final response will set out one of the following:

1. Acceptance of the complaint and, where appropriate, offer redress or remedial action.
2. An offer of redress or remedial action without accepting the complaint.
3. A rejection of the complaint and the reasons for doing so

If we are unable to make a final response by the end of eight weeks, we will inform you in writing of this and indicate when we will be in a position to make a final response.

If you are not satisfied with our response, or if a complaint is not resolved after eight weeks, you may be eligible to refer your complaint to either;

The Financial Ombudsman Service is the official independent expert in settling complaints between consumers and businesses providing financial services, including many types of lending and insurance. Established by parliament, its services are free to consumers - http://www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm

Financial Ombudsman Service;

The Financial Ombudsman Service
Exchange Tower
Harbour Exchange Square
London
E14 9GE

You must do this within six months of our final response.

Alternatively, you may also wish to contact the BVRLA (BVRLA is approved by Government as a Consumer ADR body under the Alternative Dispute Resolution for Consumer Disputes, Competent Authorities and Information Regulations 2015).

Details of your complaint should be submitted by email to: complaint@bvrla.co.uk or if you do not have access to email, details can be sent by post or fax: 

BVRLA
River Lodge
Badminton Court
Amersham
HP7 0DD
Fax: 01494 434499

The BVRLA will aim to resolve the matter using the information presented by both parties to the dispute. Any information requested from the member should be sent to the BVRLA within five working days. Based on the information available, the BVRLA will provide both parties with its findings and recommendations. The BVRLA aims to resolve complaints through the Conciliation Service within 30 days.

http://www.bvrla.co.uk/advice/guidance/using-bvrlas-conciliation-service

6) Morgan Highfield & Land Ltd - Credit Brokerage

Morgan Highfield & Land Limited is an independent finance broker with access to a representative range of financial products for the purposes of vehicle financing. Lenders may pay us for introducing you to them. Morgan Highfield & Land Limited is not an IFA nor offers qualified tax advice & any general information is no substitute for your own qualified tax or legal advice.
The primary activity of our company is the supply of goods, we also offer the secondary activity of credit brokering.

7) Morgan Highfield & Land Ltd & Financial Conduct Authority

Morgan Highfield & Land Limited is Authorised and Regulated by the Financial Conduct Authority. Our firms registered number or "FRN" is 659931.

You can find out more about the Financial Conduct Authority via http://www.fca.org.uk/.

8) Credit reference agencies & if you apply or enter a Credit or Hire Agreement

When you apply for credit with a lender (or credit provider), an automated system known as credit scoring may be used when considering whether to agree the borrowing. It is a method of assessing your likely conduct of an account based on a range of data, including the conduct of previous similar accounts. It is a system widely used by lenders to help make fair and informed decisions on lending.

Credit scoring takes account of information from three sources - the information you provide on your application, information provided by credit reference agencies and information that may already be held about you by credit providers. A credit scoring system will consider information from these sources, to make an overall assessment of your application.
The credit scoring methods used are regularly tested to ensure they remain fair, effective and unbiased. Using a credit scoring system helps credit providers lend responsibly.

Credit Reference Agencies (“CRA”) collect and maintain information about consumers' and businesses' credit behavior. This includes Electoral Register, fraud prevention, and credit information - including details of previous applications and the conduct of your accounts - and public information such as County Court Judgements, decrees, and bankruptcies.

The information that credit providers and other organisations provide to credit reference agencies about you, your financial associates and your business (if you have one) may be provided to other organisations and used by them and credit providers to:

(a) help make decisions, for example when:
(i) checking details on applications for credit and credit-related or other facilities;
(ii) managing credit and credit-related accounts or facilities;
(iii) recovering debt;
(iv) checking details on proposals and claims for all types of insurance;
(v) checking details of job applicants and employees; (b) detect and prevent crime, fraud and money laundering. (c) check your credit history; (d) verify your identity if you, or someone financially linked with you, applies for services; (e) trace your whereabouts; and (f) undertake research, statistical analysis and systems testing.

If a lender needs to make a credit decision when you apply for a credit-based product or service (e.g. mortgage, personal loan, credit card, or current account) or to review the amount of credit it provides under an existing agreement, such as an overdraft, your records will be searched, along with those of anyone who is financially associated with you such as your spouse or partner. The CRA will keep a record of this search and place a "footprint" on your credit file, whether or not the application proceeds.

Lenders may give details of your account and how you conduct it to CRA, including if you borrow and do not repay in full and on time. If you fall behind with your payments and a full payment or satisfactory proposals are not received within 28 days of a formal demand being issued, then a default notice may be recorded with the CRA. Similar information may also be given about your other lending/credit relationships with members of the credit providers group. Any records shared with CRA will remain on file for 6 years after your account is closed, whether it has been settled by you or as a result of a default. Other organisations may see these searches and updates if you apply for credit in the future, and these may affect your ability to borrow from other lenders.

If you apply for or hold an account in joint names, or tell a lender that you have a spouse or financial associate, a financial association will be created between your records, including any previous and subsequent names used by you. This means that your financial affairs may be treated as affecting each other. These links will remain on your and their files until such time as you or your partner is successful in applying for a disassociation with the CRAs to break that link. You must be sure that you have their agreement to disclose information about them. Searches may be made on all joint applicants, and search footprints will be left on all applicants' records.

You have a right to apply to the credit reference agencies for a copy of your file.

Lenders carry out most of our credit searches using Experian, but details of how you have run your account(s) may be disclosed to all the credit reference agencies. The information they hold may not be the same and there is a small fee that you may need to pay to each agency that you apply to. Their addresses are:

Experian Consumer Help Service, PO Box 9000, Nottingham NG80 7WP or call 0844 481 8000 or log on to www.experian.co.uk
Equifax plc, Credit File Advice Centre, PO Box 1140, Bradford BD1 5US or log on to www.myequifax.co.uk
CallCredit, Consumer Services Team, PO Box 491, Leeds LS3 1WZ or call 0870 060 1414 or log on to www.callcredit.co.uk

Lenders have systems that protect our customers and ourselves against fraud and other crime. Customer information can be used to prevent crime and trace those responsible. Lenders will share your personal information from your application with fraud prevention agencies. If false or inaccurate information is provided and fraud is identified, details of this fraud will be passed to these agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:

Checking details on applications for credit and credit related or other facilities.
Managing credit and credit related accounts or facilities.
Recovering debt.
Checking details on proposals and claims for all types of insurance.
Checking details of job applicants and employees.
Please contact us if you want to receive details of the relevant fraud prevention agencies. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

We may ask you to provide physical forms of identity verification when you open your account. Alternatively, we may search credit reference agency files in assessing your application. The agency also gives us other details and information from the Electoral Register to verify your identity. The agency keeps a record of our search, whether or not your application proceeds. Our search is not seen or used by lenders to assess your ability to obtain credit.

The Data Protection Act does not generally apply to companies but it does cover personal data relating to sole traders and partnerships. When we receive an application from a business credit providers may perform a search with a credit reference agency on the individual company directors or partners, or any guarantors.

9) Excluded Customer Types

We are unable to assist with the following Business User requests;

Where (or we suspect the likelihood of) a vehicle will be used for accident management services, body-shop use, daily rental, sub-hire or let, chauffer/taxi services & courier services.

An over sea’s business that does not have a mainland UK registered office, an international embassy (or connected with) or any business linked to an unstable country.

Enquiries from another hire company, car leasing & contract hire credit intermediary or any other business we suspect maybe involved in such activities.

We are unable to assist with the following Personal User requests;

Where an applicant is not in possession of a full UK driving license (or equivalent non UK license).

Where an applicant has a known adverse credit history &/or is currently (or has been) involved in any form of insolvency proceedings which include both CVA & IVA.

Enquiries from an individual connected with (or we suspect the likelihood of) another hire company, passenger (or commercial) car leasing & contract hire credit intermediary (or similar activities).

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Morgan Highfield & Land Limited is an independent finance broker & credit brokerage with access to a representative range of financial products for the purposes of vehicle financing.
Lenders may pay us for introducing you to them.

Morgan Highfield & Land Limited is not an IFA nor offers qualified tax advice & any general information is no substitute for your own qualified tax or legal advice.
Morgan Highfield & Land Limited is Authorised and Regulated by the Financial Conduct Authority - FRN 659931.

Complaints
Complaints Handling Procedure

Contract Details
Business Contract Hire special offer pricing displayed in RED is exclusive of Vat @ 20% and with 12 payments in advance.
Personal Contract Hire pricing displayed in BLACK is inclusive of Vat @ 20% and with 12 payments in advance.

Contract Hire and all other methods of funding are subject to status, guarantees may be required. 

Different terms, mileages & contracts are available upon request. 
Please see our Terms and Conditions for further details.
Not all Lenders allow the use of In Car Connected Services

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BVRLA
BVRLA membership number - 1493
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V. 202 (01/18)