Administration fee this covers the cost of carrying out
What is HPI?
When looking for a new car to buy, and long before you consider searching for the best deal on car insurance, you should always perform an HPI check before committing yourself to a seller or buying a car and taking it home.
An HPI (Hire Purchase Investigations) check is one way of reducing the risk of making an expensive and stressful mistake when buying a used car.
The HPI website warns that some used vehicles have been:
Furthermore, some vehicles have been written-off so it would not just be a matter of having to pay for the repair of some car parts, it's a matter of having accidentally bought a car which has been deemed too badly damaged to be used on the road.
Imagine finding that the car you purchased, thinking it was a great deal, has in fact lost you money and can't be driven or has to be returned to its rightful owner or leasing company can be very disheartening for any motorist.
Whether you're an experienced driver and have owned many cars in your motoring career or you are a young driver who has saved up for your first vehicle, falling victim to fraudulent sellers is avoidable by doing some homework so Marshams will carry out this check for you and cross reference the information held with the vehicle you are buying.
Access to www.marshams.co.uk - terms & conditions
Access to www.marshams.co.uk is subject to the following terms and conditions. Please take the time to read through these before continuing to use marshams or www.marshams.co.uk.
On accessing the www.marshams.co.uk on this and on each subsequent occasion you will be deemed to have accepted all of the terms and conditions that apply to its use and to the facilities and services provided by it. We reserve the right to alter these terms and conditions at any time and it is your obligation to check if changes have been made. Your use of www.marshams.co.uk after changes are posted online shall constitute acceptance of the new terms and conditions.
In these terms and conditions:
"we/us/our" means Knightrider Motor Company ltd trading as Marshams
"you"/"your" means the user of the online services.
Access to www.marshams.co.uk
Access to www.marshams.co.uk is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on www.marshams.co.uk without notice (see below). We will not be liable if for any reason our site is unavailable at any time or for any period.
From time to time, we may restrict access to some parts of or the website
In consideration of our agreeing to permit you to use www.marshams.co.uk to search our database of vehicles, you agree that you will only use, reproduce and print materials comprising the results of such searches for your own personal, non-commercial purposes.
The pages contained in www.marshams.co.uk may contain technical inaccuracies and typographical errors. The information in these pages may be updated from time to time and may at times be out of date. We accept no responsibility for keeping the information in these pages up to date or liability for any failure to do so.
The information contained in the material in www.marshams.co.uk is only for information purposes. The material on www.marshams.co.uk does not constitute advice and you should not rely on any material on www.marshams.co.uk to make (or refrain from making) any decision or take (or refrain from taking) any action.
Copyright and trade marks
All rights, including copyright, in the content of these web pages are owned by Knightrider Motor Company Ltd t/a Marshams
You may not copy any of the content from our website to incorporate into any other website any of our website content or logos without our written permission.
The material that we display is provided without any guarantees, conditions or warranties as to its accuracy. We will make every effort to check all information prior to publication however it is important that you do not rely solely on this information but check with Marshams about any terms you feel will affect your decision to purchase a car. No liability is acceptable for loss or damage resulting from errors or omission on www.marshams.co.uk
This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.
You may establish a hypertext link to the home page of www.marshams.co.uk, but not otherwise, without the need for our written consent, provided there is thereby no implied endorsement or sponsorship of you, your company or your website by us.
If any of these terms and conditions shall be held to be invalid or unenforceable, it shall not affect the enforceability of any of the remaining provisions.
These terms and conditions shall be governed by and in accordance with English law and subject to the exclusive jurisdiction of the English Courts.
All correspondence relating to www.marshams.co.uk should be sent to:
88-90 Upper Stone Street
Telephone: 01622 200100
Registered office: Knightrider Motor Company Ltd t/a Marshams,
88-90 Upper Stone Street,
Registered in England with company number 04123991.
VAT number: 765 0808 18
Test driving a car - eligibility
For insurance purposes, to take a car for a test drive you must be at least 21 years old and have held a valid driving license for over a year.
Purchasing and collecting a vehicle - terms & conditions
The collections procedure is subject to completion of the pre-delivery inspection and any repairs that may arise from it. We will confirm with you the collection date by either phone or email. Please allow one hour for collection of a vehicle Valid UK / EU Driving License including photo section OR Valid Passport AND 2 proofs of present address dated within the past 3 months are required for identification on every collection. (Bank Statement, Council Tax or Utility bills, excluding mobile phone).
UK Debit cards, Direct Transfer are acceptable for full or part payment, however, we only accept credit cards up to a maximum payment of £2000. Marshams will only accept cash payments up to the value of £10000
Please note: unfortunately, we cannot accept Building Society Cheques or personal cheques on the day of collection. All collections have to have cleared funds available.
If you use an external finance company to pay for your car, there will be an external finance admin fee of £200 to cover administration costs. You will be able to add the external finance admin fee to the price of the car.
The minimum required to secure a car is a £200 deposit, this is refundable if you have not seen the vehicle prior to purchase. Once the vehicle has been viewed and the purchase agreed the deposit is non-refundable. Deposits will be fore fitted if the vehicle is not collected at the agreed time.
As our prices are genuinely low we often sell to traders and other dealerships. To ensure our best car prices are available to the public we charge traders an additional £500 to buy directly from Marshams.
Marshams accepts responsibility that all vehicles are not subject to a category A,B,C or D insurance total loss, are not recorded on the stolen register, and are not subject to a finance agreement. This is in addition to your statutory rights. We will check every vehicle prior to sale on the HPI register.
Ownership of goods shall not be passed onto the customer until the price has been paid in cash or cleared funds but risk shall be passed to the customer on delivery.
*Admin fee of £99 is made to cover the documentation and administration costs. Your statutory rights are not affected.
Apply for finance - terms & conditions
Finance is provided, subject to status. To apply you must be at least 18 years old and a UK resident. A guarantor may be required. Security may be required by way of a Bill of Sale.
Credit is only available on cars supplied by us.
Telephone calls may be monitored or recorded for security and quality control. Information is available in large print, audio and Braille on request please call for details.
Use of Your Information
If you make an application, your details will be held on computer and used in a credit scoring or other automated decision making process when assessing your application. Marshams work with a number of Credit Providers who provide vehicle finance. We will pass your application to more than one Credit Provider (if it is not initially accepted) in order to give the best chance of securing finance. This may result in multiple credit searches. If you provide false or inaccurate information we will record this. We and other organisations may then use and search these records to check your identity, to prevent fraud and money laundering. You can ask for details about the Credit Reference and Fraud Prevention Agencies from whom and with whom we share this information. Please call us on free-phone 01622200100. You have a legal right to these records.
For the purposes of this application you may be treated as financially linked and your application will be assessed with reference to any "associated" records.
If you are a joint applicant or if you have told us of some other financial association with another person, you must be sure that you are entitled to:
*disclose information about your joint applicant and anyone referred to by you.
*authorise us to search, link or record information at credit reference agencies about you and anyone referred to by you.
An "association" between joint applicants, and between you and anyone you tell us is your financial partner, will be created at credit reference agencies. This will link your financial records, each of which will be taken into account in all future applications by either or both of you. This will continue until one of you successfully files a disassociation at credit reference agencies.
You authorise us to make all enquiries necessary to verify this information to enable us to consider this application. If you apply for insurance your information will be passed to the administrators and the insurers for underwriting, processing claims handling and fraud prevention.
Your personal data which may include sensitive information such as medical details, will be treated in confidence and will not be disclosed to any third parties except where permitted by law or where you have given your consent, however, it may be shared with selected third parties and the Insurers (and their administrators) who may also use it for marketing, research, statistical analysis and administration purposes. For further information on the companies with whom your information may be shared please contact us. You may be contacted by mail, telephone, fax, email, automated calling systems or other reasonable method with details of products or services offered by one of the above. If you do not want your details to be used for marketing please call us on 01622200100. Under the terms of the Data Protection Act you have the right to obtain a copy of the information held about you upon payment of the appropriate fee.
Key facts about our insurance services and funding your purchase
The Financial Conduct Authority (FCA)
The FCA is the independent watchdog that regulates financial services. Use this information to decide if our services are right for you.
Whose products do we offer?
We offer products from a single insurer, Car Care Plan are administrators of our Mechanical Breakdown cover (MBI) product and we also offer Car Care Plan General insurance products Alloy wheel cover, GAP Cover, Tyre insurance and smart body cover.
We can introduce you to carefully selected lenders including but not limited to, Motonovo , Blue motor finance and Close Brothers motor finance, who may pay us for introducing you. We offer Hire Purchase to fund car buying and Personal Loans to fund additional products.
Which service will we provide you with?
We will advise and make a recommendation for you after we have assessed your needs and eligibility for General insurance & MBI contracts.
We are not an Independent Financial Advisor and are unable to provide independent financial advice.
What will you have to pay us for this service?
No fee for MBI or GI contracts.
No fee for introducing you to a Finance provider.
Who regulates us?
Knightrider Motor Company limited t/a Marshams is authorised and regulated by the Financial Conduct Authority. Our FCA Register number is 686188.
Our permitted business is advising and completing non-investment insurance contracts and financial services.
You can check this on the FCA's Register by visiting the FCA's website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768 or 0300 500 8082.
What to do if you have a complaint
To register a complaint please contact the Customer Service Manager at the address given above, by phone on 01622-200100 or email email@example.com
Complaint and Feedback Procedure
We are committed to providing a high standard of service to you and all our customers. Occasionally we may not live up to our expectations and if this happens we would like to hear from you. This will allow us to put matters right and make improvements. We value your feedback and thank you for helping us treat all our valued customers fairly.
In the first instance, please share your complaint in person with our staff as they are usually best placed to resolve the concern.
If your concern remains unresolved, contact our Customer Service Manager by e mail firstname.lastname@example.org
Address: 88-90 Upper Stone Street, Maidstone, Kent ME15 6HD
Marshams return and deduction policy
In the unlikely event of Marshams accepting the return of your vehicle for a refund. We will require the vehicle to be returned in the same condition as when it was purchased.
We will also exercise our right to deduct a reasonable sum of money having taken in to account the usage of the vehicle and any failure to keep it in good repair and condition.
This will include but not limited to our right to charge the consumer 25 pence per mile for each mile covered since the date of sale, along with the cost of any estimate for repairs required to any damage to the vehicles interior and exterior that was caused whilst the vehicle was in your possession.
Finance and Insurance Complaints
We will promptly acknowledge all Finance and Insurance complaints. You will be given details of who is dealing with your complaint and how to contact them. We will do our best to resolve the concern immediately with as little inconvenience to you as possible and to keep you informed during the process. At any stage you may contact the person handling your complaint and discuss the next steps.
We will keep you informed of the progress being made towards complaint resolution throughout our investigation. Within 8 weeks we will give our Final Response or a further progress report on the investigation.
After receiving our Final Response, and you do not accept the outcome, or if your Finance or Insurance complaint has not been resolved within 8 weeks then you may appeal to the Financial Ombudsman Service. This was set up by the Financial Services Authority to review unresolved Finance and Insurance complaints.
The Financial Ombudsman Service
South Quay Plaza, Exchange Tower, London, E14 9SR. Tel. 0800 023 4 567 or 0300 1239 123