Product Servicing & ManagementFeesWhen is it charged?
Option to purchase fee£1Charged at the end of your agreement. The title of the vehicle will only be transferred to you once this is paid.
Withdrawal interestDaily interest at the same rate as the agreement interest rate.If you decide to withdraw from your agreement within 14 days of agreement inception, you'll be asked to repay the amount financed and the daily interest charge at the rate set out within your agreement.
Change of address£0
Change of employment details£0
Change of payment date£0
Change of bank details£0
Personalised plate update£0
Change of personal information£0
Customer app access£0
Insurance claim administration£0
Account statement fee£0
Settlement quote£0
Vehicle Handback/ReturnFeesWhen is it charged?
Invalid MOT fee£75 (direct cost passed on)If you return your vehicle or it's repossessed and don't have a valid MOT, you'll be charged.
V5 registration document replacement£235 (direct cost passed on)If you return your vehicle or its repossessed and you don't have the V5 registration document, you'll be charged.
Service history book replacement£25 (direct cost passed on)If you return your vehicle or it's repossessed and you don't have the service history book, you'll be charged.
Regular servicing£300A £300 fee is charged if you can't prove you've serviced the vehicle in line with the manufacturer's recommendations.
Vehicle manual replacement£25If you return your vehicle or it's repossessed and you don't have the vehicle manual, you'll be charged.
Master key replacementVariable (direct cost passed on)If you return your vehicle or its repossessed and the master key is missing, you'll be charged a fee that's calculated dependent on the manufacturer.
Spare key and security device replacementVariable (direct cost passed on)If you return your vehicle or its repossessed and the spare key/security device is missing, you'll be charged a fee that's calulcated dependent on the manufacturer and which part is missing.
EV charging cableVaribale (direct cost passed on)If you return your electrice vehicle or its repossessed and the charging cable is missing, you'll be charged a fee that's calculated dependent on the manufacturer.
PCP excess pence per mile chargePence per mile defined at point of sale. Set based on vehicle being purchased.If you hand the vehicle back at the end of your agreement (instead of paying the balloon payment to keep the vehicle), you'll be charged an excess mileage charge if you've exceeded the total mileage set out in your agreement (annual miles/annum). This is charged based on the pence per mile set out in your contractual documentation.
Personalised plateAt DVLA costIf you hand your vehicle back without removing your personalised plate, you'll have to pay for the DVLA to remove the cherished plate.
Aborting/rescheduling voluntary termination£50 + VATIf you've decided to voluntary terminate your agreement and booked a collection for us to recover the vehicle but cancel within 24 hours of the scheduled collection, you'll be charged for aborting at late notice.
Aborting/rescheduling recovery (PCP only)£50 + VATIf you've booked a collection for us to recover the vehicle but cancel within 24 hours of the scheduled collection, you'll be charged for aborting at late notice.
PCP hand back fee£180If you decide to return the vehicle to us at the end of your PCP agreement, instead of paying the balloon payment to keep the vehicle, we'll arrange collection and charge you the handback fee.
Arrears & EnforcementFeesWhen is it charged?
First reminder letter£15If you fall into arrears, you'll receive a letter reminding you that you're in arrears 7 days after the entry point.
Notice of default fee£15If you fall into arrears, you'll receive a default letter and £15 charge. This is a precursor to us starting any enforcement action.
Default interest chargeCharged at the same rate as agreement interest ratesIf you don't make any payments on the payment due date agreed, you'll be charged interest on your missed payments.
Returned direct debit£5If you fall into arrears, you'll receive a letter remidning you that you're in arrears 7 days after the entry point.
Repossession feeVariable (direct cost passed on)If your vehicle is repossessed, you'll be charged for the costs incurred in completing the vehicle collection/repossession.
Rep visit feeVariable (direct cost passed on)If you don't respond to contact attempts, we may instruct a collections agent visit using a third party, the costs incurred will be passed on to you.
Wear and tear feesVariable (direct cost passed on)Our recovery agent will inspect the vehicle on the date of collection and will complete a report which will be shared with you. If you return your vehicle and the condition is beyond what is deemed to be ‘fair wear and tear’ by BVRLA standards, a fee will be charged.
Legal charges feeVariable (direct cost passed on)If your case is determined in court, then the charge of any solicitor fees associated with your case will be passed on to you.

Other charges may apply from time to time, specific to individual agreements. Please see your agreement for more details.

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