Our cars are priced in line with market trends, various book values, supply and demand and the risk we take offing our vehicles over the 12 month period on offer.

Our contracts are legally based on a strict 12 month period and no more than 12 payments within that timeframe.

We cannot legally allow our contracts to exceed 12 months, therefore it does mean the monthly payments can be high. Please ensure YOU can afford the payments before entering the agreement.

Unfortunately NOT, we do not take requests, the vehicles for sale change on a daily/weekly basis, please keep an eye on the website.

Yes of course, call us on 01200 871068 or email us at [email protected] we will be happy to email you a copy of our sales agreement.

NO we are NOT authorised by the Financial Conduct Authority.

Our product falls under “exemptions and exclusions from authorisation”. In short, we can supply a vehicle to you to finance the acquisition of specific goods (a vehicle) for a fixed amount, repayable by no more than 12 instalments and no more than a 12 month period. It doesn’t contain interest, is NOT a HP agreement and NOT a conditional sale agreement.

More information can be view on the FCA website at https://www.fca.org.uk/firms/authorisation/apply/exemptions-exclusions#section-exclusions

Yes, our contracts are fully legal, as the FCA website states, we have taken independent legal advice and have had our contracts drawn up by a contract lawyer in Manchester. The law firm is
BBS LAW LIMITED
First Floor
The Edge
Clowes Street
Manchester
M3 5NA

Without beating around the bush, YES our contracts are very strict and so are the payment terms, as described above we are strict with our term of the contract and amount of payments. If a payment is missed we will charge you 5% of the payment as a missed charge, this charge along with your missed payment is due within 7days. Failing to make that payment will result in legal action being taken which could lead to bankruptcy proceedings being issued. You can also request to hand the car back to us to cover the agreement and end it. PLEASE ENSURE YOU CAN MAKE THE PAYMENTS ON TIME AND YOU CAN AFFORD IT.

OU are the legal owner of the vehicle as title has been passed to you. However, the payment terms are strict, as per the agreement we take precautions to protect us, fit trackers, we keep the V5, we register a third party interest on the vehicle and keep a spare key. All protecting us from the car being sold. There’s also a stipulation in the initial disclosure that you allow us to bring the car into our possession until your outstanding payment is made (other charges may apply).

As stated in your initial disclosure document, we may bring the vehicle into our possession if payments are missed and communication has completely broken down. You may collect your car anytime within 14 days, if you decide to get the car and not bring your payments up to date, you will be handed the car back along with bankruptcy papers for the full amount of the contract.

The logbook is transferred into your name at the end of the agreement, whilst in our possession you will be liable for all speeding, traffic, parking and any other vehicle related fines etc.

As stated in the contract we may carry out a credit search.

We need to know who you are and give us some peace of mind you are earning and insuring the car. Providing us with your licence, proof of income and insurance documentation gives us this peace of mind.

All stock advertised on the website is owned by Mubiao Limited.

Payments are made by direct debit or direct transfer not our bank account.

Anytime throughout the agreement you can make a request to give the car back to us to cover the outstanding balance on your agreement.

All are cars come with a 12 month MOT and 3mths warranty.

Yes you do, after all 12 payments are made, you are the owner, the spare key, V5 and 1/3 party interest in the vehicle are handed back and removed.