The BVRLA is the UK trade body for companies engaged in the leasing, rental and fleet management of cars and commercial vehicles for both corporate and consumer users.
This Code of conduct sets out the standards the BVRLA expects its members to achieve in all aspects of the brokering of leased vehicles. It applies to any leasing transaction taking place in the UK.
BVRLA membership assures the customer that they should expect the highest levels of professionalism and integrity when using a BVRLA member.
The BVRLA promotes ethical trading, clear pricing, transparent terms and conditions, and high-quality vehicles and customer service standards. This Code sets out the standards that its members shall comply with the following –
-Pre contract procedures
-Support during the contract
The BVRLA monitors adherence to the Code by its members. This governance covers documentation, branches and customer service standards. Members must also participate in the BVRLA conciliation service, which provides a channel for members and their customers to help resolve disputes.
Adherence to this Code of Conduct is a condition of membership and breaches of will result in action being taken.
As per the BVRLA Code of Conduct, 1st Car Leasing agrees to abide by the following principles:
1.To provide clear pricing for all products and services sold via any sales channel, printed or digital which promotes our own products.
2.We agree not to misrepresent any information about our products or services
3.To ensure that the service provided to our customer is with integrity and any of our agents working on our behalf follows the standards set out in this Code of Conduct.
4.We understand and comply with all the rules and regulations relating to the service or product provided.
5.We will provide customers with the information required to ensure they make an informed decision about our service or product provided.
6.We operate from an established place of business that is maintained to highest professional standard
7.We do not use any advertising material containing misleading or inaccurate statements and we comply with the codes and standards set out by the regulators
8.We aim to resolve customer complaints according to the standards set out by the BVRLA Code of Conduct.
9.We ensure that all our employees, where appropriate, is adequately trained to the standard that enables them to adhere to the BVLRA Code of Conduct.
10.We ensure that the BVRLA logo is clearly displayed across our branding.
Statutory controls and regulations Members must comply with all relevant legislation and regulation.
Members must, where applicable, hold all necessary licenses and registrations to trade lawfully and be able to present these to customers as and when requested.
Financial Conduct Authority authorisation
All members who transact business which is covered by the Consumer Credit Act must be regulated by the Financial Conduct Authority and display “Authorised and regulated by the Financial Conduct Authority” on all company stationery, advertising and promotional material relating to regulated credit business.
Misrepresentation or misleading statements or practices
Members must not mislead the customer or provide inaccurate statements regarding their products and services. Leasing broker members must not vary the terms of the leasing or finance company’s standard agreement without prior written agreement from the finance company. A leasing broker must not misrepresent any such terms nor claim to be a leasing company.
Internal supervision and auditing of sales process
Members should ensure processes are in place to train and supervise their sales staff to ensure no miss-selling of products or services takes place.
Miss-selling would include, but is not limited to, the following:
-Deliberate misleading towards the customer about the benefits of our product.
The contract: Before, during and after.
Contracts, quotations and orders
Members are required to provide customers with a clear written contract for any products and services provided, which should include details of all charges payable by the customer for agreeing to the member’s and or the finance company’s products and services.
Where applicable, the contract for providing products or services must be kept separate from both the vehicle finance quotation and the vehicle lease or finance agreement. This is particularly important where a fee is charged for cancelling the brokering service.
All order documents should show in full (as applicable)
-Details of the vehicle being ordered
-The period of the vehicle lease or finance agreement
-The amount and frequency of payments required including a breakdown of what the first and initial rental payment covers
-Annual or total contract mileage allocation and rate of any excess mileage
-Any additional services included
-The return standards and produces to be applied by the company finance or leasing the vehicle
Members should provide written details of any circumstances under which the payments or vehicle specification may change before delivery of the customer.
Members should advise the customer, in advance, of the point at which they will be in breach of the leasing or finance agreement due to a late or incorrect i.e. lower payment and the implications of not keeping up with the payments, I.e. vehicle repossessions and or legal proceedings.
Customers’ right to cancel
Where applicable, members must advise customers of their cancellation rights and policy before they enter into any contractual agreement, including the cancellation rights relating to the lease or finance agreement.
The members must explain the period of time a customer in which to decide whether or not to use the broker service provided (the ‘cooling off period’), and if there are any charges payable for cancelling the service.
Contracts (including payment terms)
Customers must be supplied with copies of all the contracts they enter into. Contracts may be supplied in printed or electronic formats. All variations to contracts must be signed in writing by both parties.
Members must, where appropriate, supply all documentation to customers, including pre-contract information.
After-sales customer service
Customers can expect members to deal with all after-sales issues professionally and fairly and acknowledge all queries within seven working days of receipt for example, handing requests for early termination, contract rescheduling (where available) and all other aspects of after-sales care and queries.
End-of-contract and restoration charges
Before the end of the lease or finance agreement, members should support their customers to ensure they are aware of the return standards in place for a vehicle at the end of the agreement.
Complaints should be resolved quickly and amicably.
Our staff members at 1st Car Leasing are made aware of the company’s complaint-handling procedures and staff dealing with complaints should respond swiftly, paying particular and attention to:
-Advising customers of the complaints procedure, how to use it and what additional options are available to them.
-Treating complaints seriously and dealing with them in a positive and friendly manner
-Issuing an acknowledgement of every complaint, regardless of how it is received, within five working days of receipt with the objective of resolving the dispute within 30 working days.
-Learning from all complaints and responding proactively to prevent similar incidents from occurring
-Maintaining a complete record of all complaints
The member shall provide the customer with details of their complaint procedure. If no agreement can be reached the member will provide information regarding alternative dispute resolution options, including the BVRLA’s conciliation service.
Unresolved disputes may be referred to the BVRLA by either the customer or the member involved.
Details should be submitted via e-mail to firstname.lastname@example.org
If you are unable to e-mail, you can send the details by post to:
British Vehicle Rental and Leasing Association
The BVLRA 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. Members must comply with the Conciliation Services’ findings.
What is covered under the Conciliation Service?
The Conciliation Service will investigate potential breaches of this Code of Conduct, which sets out the standards the BVRLA expects from its members. The Conciliation Service can only look at matters that relate to disputes arising from the activities of BVRLA members.
Where the Conciliation Service finds in favour of the customer we will look to ensure that any unjustified charges incorrectly raised by the member are refunded in full. The service cannot adjudicate on the quantum of the amount charged, only on whether the charge was correctly raised.
The Conciliation Service does not have any jurisdiction to award compensation payments.
No restriction of rights BVRLA members must with the rulings of the Conciliation Service.
Use of the Conciliation Service does not restrict the rights of a complainant to pursue remedies through the courts.
Monitoring and compliance
The BVRLA’s continual monitoring and internet procedures are aimed at ensuring that members meet their obligation to comply with this Code of Conduct.
Leasing Broker Charter
The BVRLA’s Leasing Broker Charter applies to all members offering a brokering service and forms a brief summary of the specific terms found in this Code of Conduct.
1st Car leasing, a member of the British Vehicle Rental and Leasing Association, we pledge to provide our customers with the following –
-A clear contract for the product or service we are providing and a clear statement of any associated costs for our service and your rights to cancel the service
-A clear and accurate summary of the leasing or finance terms.
-Efficient and professional handling of any after-sales requirements
-Commitment to the British Vehicle Rental and Leasing Association’s Leasing Broker Code of Conduct
-An effective complaints procedure with access to the Conciliation Service administered by the British Vehicle Rental and Leasing Association,
* All vehicle images and car descriptions on this site are for illustration and reference purposes only and are not necessarily an accurate representation of the vehicle on offer.
T: 01904 55 75 44
1st Car Leasing
The Engine Works
Fermetol Trading Estate
Autohorn Fleet Services Ltd trading as 1st Car Leasing is a credit broker and not a lender, we are authorised and regulated by the Financial Conduct Authority. Registered No : 672629
Registered in England & Wales with company number : 3088452 | Data Protection No : Z7997455 | VAT No : 647417325
Registered Office : The Engine Works, Fermetol Trading Estate, Leeman Road, York, YO26 4XD | BVRLA Registration Number: 1919
Please note that failure to pay your monthly repayments could result in termination of your agreement, missing payments could have severe consequences and make obtaining credit in the future more difficult.
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