Morgan Highfield & Land
Morgan Highfield & Land

Using our Website

The terms and conditions of our website.

We hope you enjoy using our website, but if there’s anything you are not sure about please get in touch. We would also welcome your feedback on how we could improve our website and its function.

Information & limitations

Textual information, content & editorial on prestige-car-leasing.co.uk belongs to the owner of this website, under license to Yorkshire Vehicle Finance (‘our’, ‘us’, ‘we’). Reproduction, distribution or transmission of our expert editorial by any means without our prior permission is prohibited. All rights reserved.

We make fair & reasonable efforts to ensure best the accuracy of the information displayed on prestige-car-leasing.co.uk, but for the avoidance of doubt, any such information should be used as a guide & should not be relied on as fact. Vehicle data about the manufacturer, model or specific variants illustrated or written is subject to change in design & equipment without notice. You should conduct your research to confirm the accuracy of any such data & make an informed decision from your conclusions. Individual vehicles by make, model & variant may show optional equipment and accessories not fitted as standard along with unforeseen model alterations or deletions.

Pictorial images used on this site are for illustrative purposes only & should not be used as anything other than a guide. For more precise information on all model features, exact levels of standard or optional equipment, please contact us & request a written quotation.

Website pricing & conditions

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is always subject to manufacturer pricing or VED (Vehicle Excise Duty) alignment & may also be subject to change or withdrawn without prior notice & at any time.

Vehicle Contract Hire pricing is displayed with a variation of monthly terms shown with an initial rental followed by subsequent monthly rentals. In some instances, Personal Contract Hire pricing may also be displayed with a variety of monthly conditions shown with an initial rental followed by following monthly rentals.

This website displays annual mileages typically at 8,000, 10,000, 15,000 or 20,000 miles per year & without maintenance. If you exceed the pre-agreed contracted mileage then additional charges will apply, details are available upon request. Other terms & mileages are available upon request.

This website displays lease agreement terms typically at 24, 36 & 48 months. Other terms & agreement lengths are available upon request.

Business Contract hire pricing is shown exclusive of Vat at@ the prevailing rate. Personal Contract hire pricing is displayed, including Vat at the current rate.

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

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 stated within a written quotation or subsequent order or as part of conditional credit approval).

If you or business ‘customises a lease’ and as a result, the P11D value exceeds that of an ‘expensive’ vehicle, as deemed by HMRC then an additional contribution will be payable by you or business. This premium reflects the supplementary annual increase in the cost of road tax from the standard rate subsequently displayed as a new total rental and initial rental on the written quotation you will receive after submitting a quotation request. HMRC classify a car as ‘expensive’ when the P11D exceeds £40,000 (forty thousand pounds).

Our website will not inform you of this event, and the pricing issued is, therefore, a guide, rather than a written quotation.

We do not have hidden charges, administration or credit arrangement fees (or unless stated within a written quotation or subsequent order as part of conditional credit approval).

A glossary of terms and abbreviations we use

To improve your browsing experience on occasion, we abbreviate or shorten the names of some descriptions and labels. Here is a list of the most common abbreviated or shortened terms:

p/m – a rental paid per calendar month

Emissions – the standard emissions for this vehicle, measured by C02 g/km as stated by the manufacturer or with our best understanding.

Power – the power of a vehicle is referenced in a different way but broadly relates to the same subject matter. Brake horsepower is known as ‘BHP’ or true power known as ‘PS’ for that vehicle, as stated by the manufacturer or with our best understanding.

0-62 – expressed in seconds, its the time it takes for this vehicle to travel at maximum acceleration to a speed 62 mph (from a standing start).

Efficiency – relates to the manufacturers ‘claimed’ combined miles per gallon (MPG). A combined fuel cycle test takes into consideration real-world driving conditions. These test fairly more reflects both urban and extra-urban conditions, but you may enjoy higher or lower miles per gallon depending on your own driving style, and the conditions.

Brands – these are the brands we offer for lease. These brands are not owned by us, nor are we appointed to act on their behalf as an agent. These are simply, exclusive brands we offer for leasing.

Special Offers – are special offers available for a limited period.  The period of availability can vary greatly, where possible we endeavour to make you aware of the offer period or special requirements. Special Offers are defined by us, based upon their value, desirability and current rental.

reviews.co.uk – is an independent platform we use to gather reviews from our clients. Clients names are protected from view to protect their privacy.

Proceeding with a lease quotation, from this website

Credit agreements with a lender are subject to status, not an offer by us capable of acceptance by you & will be subject to approval 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 will be wholly responsible (including any financial costs) for routine vehicle maintenance in accordance with manufacturer guidelines & road traffic laws (unless stated otherwise or detailed within the terms of an agreed maintenance agreement which is available upon request).

Lead-times or dates of delivery suggested on this website are done so with ‘best intentions’ & may not always reflect the actual date of delivery due to unforeseen or circumstances beyond our control. Mainland UK vehicle delivery is included within the lease pricing displayed on this website & cars will be driven to the authorised destination. Clients should expect a varying degree of ‘delivery mileage’ upon receipt. Transported deliveries may be available upon request, always at an additional cost payable by the client.

Please visit our Terms of Business to find out more.

How we use your data on this website

We take both the collection & protection of your business &/or personal information extremely seriously. We declare that all information will be treated confidentially and in accordance with the legal provisions concerning data protection. We 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 our company. Please visit our privacy & cookie policy to find out more.

We are a credit broker, not a lender

Making an application for credit with a lender.

When applying for credit with a lender (or credit provider), an automated system is known as credit scoring may be used when considering whether to agree on the borrowing. It is a method of assessing your likely conduct of an account based on a range of data, including the behaviour 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, the 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 behaviour. 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 help make decisions, 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; (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, apply 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 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 six 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 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 done 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 experian.co.uk
Equifax plc, Credit File Advice Centre, PO Box 1140, Bradford BD1 5US or myequifax.co.uk
CallCredit, Consumer Services Team, PO Box 491, Leeds LS3 1WZ or call 0870 060 1414 or 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. Other organisations and we 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. Other organisations and we 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 for 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.

When the use of this website & the service we provide would not be suitable for consumers or business

The use of this website & the service we provide would not be ideal for Business 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, chauffeur/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 activity linked to an unstable country. Enquiries from another hire company, car leasing & contract hire credit intermediary, or any other business we suspect may be involved in such activities.

We are unable to assist with Consumer requests where an applicant does not have the full UK driving license (or equivalent non-UK permit). 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).

Website Version

MHL/OCT19

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