See below for some of our most commonly asked questions. If your query isn’t covered, please contact us.
We have a dedicated Online Response Team who are on hand to help you at any stage of your car buying journey. You can call us on 01752 636363 or email firstname.lastname@example.org if you have any questions. Please note that the phone number and e-mail response is available during normal working hours Monday to Friday from 9am till 6pm. We have a live chat function that can assist if your request is out of our standard working hours.
If you choose to reserve a car by paying a £100 refundable reservation fee, you will be asked to enter your personal details, address and payment card information. When you click on “submit payment”, the amount of the reservation fee will be debited from your payment card immediately.
After paying a reservation fee, you will receive an email from us that acknowledges receipt. Please note that this does not mean that your reservation has been accepted. All reservations are subject to acceptance by us, as we need to check that the car has not already been sold or reserved by someone else. We will then contact you to discuss the next steps.
Your vehicle will be reserved for 72 hours. We will be in contact with you to discuss the next steps required to complete your purchase.
If you decide not to purchase the vehicle, you can request a refund of the reservation fee from the sales team you viewed the car with, or by contacting our Online Response Team on 01752 636363 or via email email@example.com. You will be asked to provide written confirmation of your request for our records. Your payment will be refunded in full, usually within 5-10 days.
All our online payments are transacted through Stripe, a secure verified online payment provider which utilises encrypted software protecting your card payment details. We do not store any of your card details.
Yes, our advertised prices online are the same as instore.
Yes, we can arrange to move your vehicle to a Vospers centre that is closer to your home address for collection. During the online order process, you can choose from the following collection options:
If you would like to amend your order, you can do so at any point before collecting your vehicle. Please contact your supplying Vospers centre and we will do our best to accommodate any changes to you order.
You have the right to cancel your order as long as you do so no later than 14 days after the day on which you take delivery of your vehicles. For full details on our cancellation policy please refer to our terms and conditions.
You can either contact your current finance provider or call or email our specially trained customer service team on 01752 636363 or firstname.lastname@example.org
Our primary lender for all Vospers Direct finance agreements is Black Horse LTD, part of Lloyds Banking Group. If you are declined with Blackhorse, you will be notified and given the opportunity to fund your vehicle using one of our alternative partners.
When purchasing your vehicle on finance, you will have the opportunity to fund it using one of two products; PCP (personal contract purchase) and HP (hire purchase). The difference between the two products is as follows:
Hire Purchase is a little like a mortgage on a house where you pay an initial deposit and then pay the balance over an agreed period of time in equal monthly payments. Typically, agreements can run from 1 to 5 years. The vehicle remains the property of the finance company until you make the last payment. If you settle early, you will be offered a rebate of some of the interest. However, you may find, with a small initial deposit, if you settle very early, the amount owing may be more than the vehicle is worth.
Hire Purchase may suit buyers who plan to keep their
vehicles for a longer period of time, perhaps longer than the agreement
term, who have a large deposit or want a simple agreement with no
commitment at the end of the term.
Personal Contract Purchase
Like Hire Purchase, an initial deposit is paid with monthly payments over an agreed period of time. However, the final payment at the end of the agreement is significantly larger than under a normal Hire Purchase agreement, usually several thousand pounds. This is often called a Guaranteed Manufacturers Future Value (GMFV) or Balloon Payment. This makes the payments in-between the initial deposit and the large final payment much smaller than with Hire Purchase and the agreements are shorter.
You must pay this large final payment, the GMFV, at the end of the agreement. However, the finance company will guarantee that your vehicle will be worth at least this value as long as it is in a suitable condition and covered less than an agreed mileage limit. This gives you three options:
You can hand the vehicle back to the finance company to make the final payment.
You can pay the large final payment and keep the vehicle.
Usually, your vehicle should be worth more than the final payment. So you can part exchange the vehicle, and use the extra that it is worth, after paying off the large final payment, for a new vehicle.
Personal Contract Purchase may suit buyers that want a new or nearly new vehicle and fully intend to change it at the end, or before the end, of the agreement or want a more expensive vehicle than may be available to them using other forms of finance. The disadvantage could be that customers feel forced into changing their vehicle every 2 or 3 years to avoid paying the large final payment.
Your finance application is processed instantly upon you applying for your car finance. Usually the decision process is made in seconds. We will let you know if your application is successful via the online platform and also by email. If your finance application is unsuccessful, one of our Online Response Team will contact you to discuss further options.
In some circumstances our chosen lender partner may ask you to complete additional customer checks prior to agreeing your finance agreement. This could include (but not be limited to), identity checks, confirmation of personal details such as date of birth or address, and evidence of affordability. In this instance, we will make you aware of any evidential documentation that is required. You will be asked to meet these requirements and then we will be able to proceed with your finance application.
Yes, you can use your part exchange as all or part of your deposit towards your car purchase. However, if there is outstanding finance on your part exchange this will have to be settled by us as part of the transaction. Any amount left after settlement of your finance can be used towards your deposit.
If your car is valued more than the car you would like to purchase and there is no outstanding finance on it, we will happily give you back the difference. This would be paid to you after taking delivery of your new vehicle.
This is not a problem, we will simply pay you the difference.
Yes, we are happy to buy any car or van and confident that we can beat the prices offered by online buying companies. Call or email our team on 01752 636363 or email@example.com
Yes, providing you have been accurate in your description to us and answered all the questions correctly. Please read our terms and conditions for further details.
Yes, as long as it is before the day of collection or delivery. You will, of course, have to either pay more deposit to cover the amount of the part exchange or increase the finance amount. Call or email our team on 01752 636363 or firstname.lastname@example.org
Yes, if both the vehicles are owned by you, or you have the permission of the owner to use the vehicle as part of your order.
You will need to hand over your part exchange vehicle on delivery or collection of your new car. At the same time, you must give us the logbook (V5 registration certificate), service history, MOT certificate (if applicable) and all sets of keys. You will be notified prior to part-exchanging your vehicle if we require anything in addition to the aforementioned items.
You will get a 6-month guarantee free of charge, or the remainder of the manufacturer warranty (whichever is longer). Extended Guarantees can be purchased with your online order.