Payments

Card payments. For card payments, your payment is governed by PAYMENT SENSES terms and conditions (or their equivalent or replacement from time to time). It is Your responsibility to read the relevant terms and ensure that you understand and agree to be bound by them. By paying by card, you authorise us to send instructions to your card issuer to take payments from the linked account for the payment of your vehicle and any subsequent related transactions. We will inform You of any amounts before sending instructions to the card issuer.

Credit Card Payments

Due to costs associated with accepting credit card payments, we can only accept a maximum payment of £1000 (in total) on a credit card which will have to be made in person at our showroom utilising the chip and pin facility. Deposit amounts of up to £300 can be made over the phone by credit card.

Debit Card Payments

Deposits of up to £300 can be made over the phone. If the payment exceeds £300 this will have to be done instore using ‘chip and pin’. If you are using our home delivery service, then a bank transfer will have to made for the balance of invoice before the vehicle will be delivered.

Bank transfer

Our account details are located on our order forms and invoices and any payments can be made by bank transfer. The payment would have to have cleared before goods can be released for collection or delivery.

Finance

If you are using an outside finance company in order to fund your vehicle, then GBI Cars must receive cleared funds before the vehicle can be released for collection or delivery. When outside Finance is used an administration fee will be charged to the finance company. If the finance is provided through GBI Cars, then the vehicle can be released once a confirmation of Payout email has been received by GBI Cars.

Cash Payments

We are not registered as a high value dealer under Money Laundering Regulations. A High Value Dealer is any business or sole trader that accepts or makes high value cash payments of 10,000 euros or more (or equivalent in any currency) in exchange for goods. Cash means notes, coins, or travellers cheques. This includes when a customer deposits cash directly into our bank account, or when they pay cash to a third party for your benefit.

HMRC considers a high value payment to be:

• a single cash payment of 10,000 euros or more for goods
• several cash payments for a single transaction totalling 10,000 euros or more, including a series of payments and payments on account
• cash payments totalling 10,000 euros or more which appear to have been broken down into smaller amounts so that they come below the high value payment limit

Therefore, a cash payment limit of the pounds sterling equivalent of 10,000 Euros applies.

Delivery

• Delivery can only be made to the named person specified on the vehicle order form/invoice.
• Your Vehicle can only be delivered to the address specified on the order form/invoice.
• When delivery is made, You must show Your photographic UK driving licence to the DRIVER to verify Your identity and address. (OTHER FORMS CAN BE ACCEPTED)
• It is your responsibility to check the condition of the vehicle and let the driver know if there is an issue. A claim cannot be made once the driver has left in respect to bodywork or glass
• It is also your responsibility to check the paperwork to make sure of spelling of names and address and again let the driver know if there is an error. These details are the ones that will appear on the vehicle registration document later.

Part Exchange / Sell your car

It is the seller’s responsibility to report the sale of the part exchange to the DVLA however GBI cars can help assist by completing the application online.

A valid V5 must be provided with the vehicle, or an admin charge maybe applied £150 The V5 Must be in the name of the seller.

The spare key, locking wheel nut key, parcel shelf or load cover together with handbooks must be supplied with the vehicle or a price adjustment will apply unless the appraisal has already detailed the missing items.

The precise mileage will be taken at the time of sale, any previous appraisal must be within 100 miles of the exact mileage, or an adjustment will be made. The customer will need to agree this prior to the transaction being finalised.

When GBI Cars carry an appraisal, it is assumed that the vehicle is HPI clear and warranted mileage at point of valuation unless we are told otherwise. If a HPI vehicle check shows a discrepancy at the point of sale, then the valuation would be reduced, and the customer would be responsible for the difference.

An Appraisal is valid for 7 days or 100 miles unless an agreement has been reached between both parties.

If the vehicle sold to GBI Cars has service history, then this must be shown to the GBI Cars salesperson to validate.

A customer must declare all known mechanical faults at the time of appraisal.

Any outstanding recalls must be declared at time of appraisal.

The customer must also declare if the vehicle was used for Business use or private use.

Your New vehicle

Mileage

The mileage may vary from invoiced miles due to test drives and moving the vehicle for preparation. It is the customers responsibility to make sure they are comfortable before completing the sale. Please ask the Salesperson to confirm the mileage before payment.

Service history

The service history for each vehicle will be made available for the customers inspection. A vehicle which is advertised with Full-Service history is approximate as each vehicle is individual and whether a vehicle has benefitted from Long Life Service cannot be determined from a service stamp. If there are any concerns about the service history, they should be discussed with the sales person, after inspecting any documentation on file. Once the vehicle is purchased it is accepted that the customer has inspected the history and is happy to proceed.

Owners

We use dragon 2000 software that obtains owner history. This information can be checked on the V5 before securing a deposit. The V5 will be made available for a customer to check. Previous owners’ name and address details may be excluded due to GDPR.

Specification

Please note the data displayed in advertisements for vehicles has been obtained from a generic software system through Autotrader. We cannot guarantee that all specifications are completely accurate. We do as much as possible to check this at the time the vehicle is advertised and would not knowingly advertise a vehicle with incorrect details. If a misrepresentation has occurred, then the customer has the right to withdraw from the sale and GBI Cars will refund any monies paid by the customer to GBI Cars. We recommend that the customer always checks the specification details with the seller prior to purchase. If the vehicle has been purchased and the customer discovers an error in the specification, then the customer must report this to GBI Cars within 48 hours of Delivery/Collection so that it can be resolved. If this occurs GBI Cars will deal with each case individually and work to ensure a satisfactory outcome is reached. References to “Leather” on the Site may not be genuine or 100% leather but rather partial leather or an artificial substitute.

AA inspection

This report is available online. If you would like a printed copy please ask the sales person no later than 7 days after purchase.

HPI report

All vehicles are HPI checked to ensure there is no adverse data recorded against the vehicle. A copy of this report or a similar report is available on request and can be printed out upto 7 days after delivery/collection.

Deposit

A deposit of £100.00 is deemed to be refundable until the customer has had the opportunity to view the car physically or 48 hours after deposit (whichever comes first). If a deposit is placed then this can only be refunded once the customer has physically inspected the vehicle at the site and then chooses not to proceed with the purchase. If the customer has inspected the vehicle and agrees to proceed, then the deposit becomes non-refundable as the vehicle is then removed from sale and prepared for delivery.

If the customer places a deposit on a vehicle at GBI Cars and then decides to buy a car at another garage, then the deposit is non-refundable. A deposit is deemed to be a commitment to buy. When the deposit is placed GBI Cars agree to withdraw the vehicle from sale even if another customer offers to pay for the vehicle in full.

All stock vehicles GBI Cars offer are advertised on multiple platforms and vehicles will not be held without a deposit.

Non-refundable deposits

All deposits that are placed are consider non-refundable unless this is detailed on the invoice.

Driveaway insurance

Driveaway insurance Is an outsourced product offered by us to the customer for the customers convenience. There are separate terms and conditions which may apply, and any offer of insurance cover is subject to specific criteria being met as with any insurance cover. A full list of the terms and conditions can be found at here.

WARRANTY TERMS AND CONDITIONS

If we identify a quality issue with Your Vehicle prior to Delivery or Collection and we are unable to fix this issue or it is not practical for us to do so (for example, if fixing the issue would be too expensive), GBI Cars may cancel Your Order at any point before the Vehicle is delivered or collected. You will be immediately informed and if available an alternative car will be offered. There will be no obligation for you to accept the alternative vehicle. If the order is cancelled we will refund all payments received for the Vehicle (including any amount You paid for Delivery) via the method the payment was made. This will be done by GBI Cars within 48 Hours.

FAILURE TO COLLECT GOODS

If the Customer fails to collect and/or pay for the Goods within 14 days of delivery date/collection date then GBI Cars may at its option either store the Goods at the Customer’s cost or, upon giving the Customer 7 days’ notice of its intention to do so, elect to treat the contract as wrongfully ended by the Customer and list the vehicle again for sale.

CHERISHED NUMBER PLATE

If the car being sold has been viewed or photographed with a personalised number plate, unless stated on the face of the order, the Customer shall not be entitled to assume that such number plate is available with the Goods. The Customer and GBI Cars will provide all reasonable assistance to each other to facilitate transfer of the registration.

If the customer wishes to part exchange a vehicle which currently has a personalised number plate then GBI Cars will assist the customer to place the registration onto retention and then further assist when the number plate can be assigned to the new vehicle.

EXAMINATION OF GOODS AND RELIANCE

(a) Prior to signing the order form the Customer should examine the Goods to be purchased (if they are available for inspection) and the Customer is reminded that the condition of satisfactory quality required by law does not operate in relation to defects which such an examination ought to reveal. If the Goods are sold subject to defects that have been notified by Gbi Cars to the Customer before the signing of the contract, the condition of satisfactory quality referred to above does not operate in relation to those defects.

(b) The Customer should satisfy itself as to the suitability of the Goods for its requirements and not rely upon GBI Car’s skill or knowledge regarding the Goods’ fitness for any particular purpose or use.

Complaints

A Complaint should be made by email to the address: customercare@gbicars.co.uk or by written letter to our address Mr B Malsbury. GBI Cars Ltd, Unit 1 Greaves Way, Stanbridge Road, Leighton Buzzard, LU7 4UB.

CLAIMS

(a) The Customer’s legal rights: irrespective of any warranty GBI Cars has offered, the Customer is entitled to exercise its statutory rights if the Goods are faulty at the time of delivery.

(b) The Customer should contact GBI Cars as soon as possible: The Customer should contact GBI Cars as soon as he or she becomes aware of a problem with the Goods. A delay in reporting a problem may lead to unnecessary damage being caused to the Goods.

(c) Inspection of the fault: where the Customer believes the Goods to be faulty they should be returned to the GBI Cars premises where the Goods were purchased, as soon as possible for GBI Cars to inspect. If the Goods are a vehicle and there is a safety concern or the vehicle is not driveable, GBI Cars may arrange to collect the Goods or to carry out an inspection off-site.

(d) Consumer Customer’s key legal rights: if the Customer is an individual buying the Goods for purposes that are wholly or mainly outside its business, trade or profession then it has certain rights under the Consumer Rights Act 2015 if the Goods are not as described or, because of a fault that was present at the time GBI Cars delivered them to the Customer which caused the Goods not to be of satisfactory quality or fit for purpose:

Up to 30 days- If the Customer does not wish GBI Cars to repair or replace the Goods the Customer is entitled to a refund;

Up to 6 months- If the fault cannot be repaired or replaced, then the Customer is entitled to a refund. GBI Cars is entitled to make a fair deduction from the refund to reflect the value of the use the Customer has had from any vehicle and the condition and maintenance of the vehicle. The onus is apon the customer to prove that the fault was present at the time of delivery.

If the Customer chooses repair or replacement the option chosen must be proportionate taking into account the nature of the fault, cost implications to GBI Cars and any significant inconvenience to the Customer.

After 6 months: If the Goods do not last a reasonable length of time, the Customer may be entitled to some money back.

(e) This is only a summary of some of the key rights of a consumer customer. For detailed information from Citizens Advice please visit your local Citizens Advice centre or www.citizensadvice.org.uk.

(f) Return of Goods: Any Goods which GBI Cars agrees to refund should be returned by the Customer to the GBI Cars premises where the Goods were purchased. If they are not drivable GBI Cars may arrange collection.

(g) Refunds where GBI Cars has accepted a part-exchange vehicle: Where GBI Cars gives the Customer a full refund but part of the price has been paid by way of part-exchange of a used motor vehicle then subject to the Customer’s part-exchange vehicle still being available in the condition supplied by the Customer, GBI Cars will return it. If GBI Cars is unable to do so the part-exchange Allowance will be refunded to the Customer. Any refund to the Customer shall take into account the sums paid by GBI Cars to settle any finance or other interests affecting the part-exchange vehicle. If the amount paid to settle any finance or other interest exceeds the part-exchange value of the Goods the Customer shall immediately reimburse GBI Cars on demand.

(h) Where a customer complaint is not resolved: good customer service is important to GBI Cars and we try to resolve all complaints to the Customer’s satisfaction. However if GBI Cars fails to do this and the Customer believes there is a claim then the matter may be referred by the Customer to the National Conciliation Service. For details of this service please contact them on 01788 538317 or visit their website at www.nationalconciliationservice.co.uk

(i) Right to Costs: in the event that a complaint by the Customer is pursued unreasonably in all the circumstances the Customer shall pay to GBI Cars all reasonable costs, charges and expenses (including legal costs and fees) incurred by GBI Cars in or in contemplation of court proceedings brought or threatened by the Customer.

RETENTION OF TITLE

(a) Notwithstanding delivery, collection and/or the passing of insurance risk for the Goods, or any other provision of these terms and conditions, ownership of the Goods shall not pass to the Customer until the Total Retail Price has been paid in full in cleared funds.

(b) Until such time as ownership of the Goods passes to the Customer, the Customer shall keep the Goods properly stored, protected and insured and identified as GBI Car’s property. Further, GBI Cars shall be entitled at any time to require the Customer to return the Goods to GBI Cars and if the Customer fails to do so promptly, to enter upon any premises of the Customer or any third party where the Goods are stored and repossess the Goods.

(c) Until the Customer owns the Goods the Customer shall not be entitled to sell the Goods or use them as security for any indebtedness. If the Customer does so all money owing by the Customer to GBI Cars shall (without prejudice to any other right or remedy of GBI Cars) immediately, become due and payable.

DATA

GBI Cars shall keep and use any data relating to the Customer in accordance with the provisions of all relevant data protection legislation to process the Customer’s order and payment and (unless the Customer requests GBI cars does not do so), to inform the Customer about similar products that GBI Cars provides. The Customer may stop receiving this information at any time by contacting GBI Cars.

APPLICABLE LAW

• In the unlikely event that a vehicle has a fault which was evident when the vehicle was purchased and the customer wants to return the vehicle for a refund this can be done as long as this is done within 30 days of the invoice date. The Vehicle must be returned complete with all keys and documentation. The vehicle will be appraised for mileage and condition. The vehicle must also be returned in clean condition
• The form below should be completed

This contract shall be governed by the Laws of England and Wales and the parties shall submit to the jurisdiction of the English Courts.

Please note: the Cancellation Form below can only be used in specific circumstances and charges might apply (see Clause 13).

CANCELLATION FORM

To: (Please send this completed Cancellation Form to the dealer whose contact details are provided on the front of the Order Form)

I/We [*] hereby give notice that I/We [*] cancel my/our [*] contract of sale of the following goods [*] / for the supply of the following service [*],

Ordered on [*] / received on [*],

Name of consumer(s),

Address of consumer(s),

Signature of consumers(s) (only if this form is notified on paper),

Date

[*] Delete as appropriate.

Distance Sale – Your right to cancel

If you buy as a consumer and the Consumer Contracts Regulations 2013 apply, you will have the right to cancel this contract within 14 days subject to the below.

The cancellation period will expire after 14 days from the day on which you, or a third party on your behalf, collect or take delivery of your vehicle.

To exercise the right to cancel, you must inform us of your decision to cancel this contract by a clear statement sent by post or email to our address. If required, you can request a template cancellation notice from us but it is not obligatory to use this specific template.

To meet the cancellation deadline, it is sufficient for you to send your clear statement or form confirming your exercise of the right to cancel before the cancellation period has expired.

Effects of cancellation

If you cancel this contract, we will reimburse your payments received from you, including the cost of delivering the goods to you (except for the supplementary costs arising if you chose delivery over collection or a type of delivery other than the least expensive type of standard delivery offered by us). This reimbursement is subject to the following conditions:

• We may make a deduction from the reimbursement for loss in value of any goods supplied if the loss is the result of unnecessary handling by you. Anything over and above a standard test drive will be considered unnecessary handling and will lead to a deduction of £2+ VAT for each mile driven over 20 miles. In addition, we will also be entitled to make a deduction for any damage or excess wear.
• We will make the reimbursement without undue delay, and not later than 14 days after the day we receive back from you the vehicle and all documents which were supplied including, but not limited to, service histories and the V5 documentation. We reserve the right to register the vehicle with the DVLA only on expiry of your 14 day cancellation period.
• We will make the reimbursement using the same means of payment as you used for the initial transaction unless you have expressly agreed otherwise. In any event, you will not incur any fees as a result of the reimbursement. This may include handing back any part exchange vehicle if still available and/or seeking payment from you to cover any negative equity.
• We will withhold the reimbursement until we have received the goods and all paperwork back in good order.
• It is your responsibility to return the vehicle without undue delay and in any event not later than 14 days from the day on which you communicate your cancellation of this contract to us. The vehicle must not be driven from the date you notify us of your cancellation, other than to drive it back to us.
• You will remain liable for the vehicle and so for its tax, insurance, and any fines, charges or penalties until it has been accepted back to our premises.
• You will have to bear the direct cost of returning the goods and take full responsibility for the safe return of the vehicle.
• You are only liable for any diminished value of the goods resulting from the handling other than which is necessary to establish the nature, characteristics and functioning of the goods according to the previous reference to test drives.

Tyre Plan

The Tyre and Alloy Plan has been designed to cover you for unlimited puncture repairs, up to 5 alloys repairs, including scratches and curb incidents, (up to £100.00 per claim) and up to 5 replacement tyres if the tyre is damaged or deemed to be dangerous (up to £150.00 per claim).

Finance

We are a credit broker and not a lender. We can introduce you to a limited number of lenders and their finance products which may have different interest rates and charges. We are not an independent financial advisor.

We will provide details of products available from the lenders we work with, but no advice or recommendation will be made. You must decide whether the finance product is right for you. We do not charge you a fee for our services. Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow). The lenders we work with could pay commission at different rates. However, the amount of commission we receive from a lender does not have an effect on the amount you pay to that lender under your credit agreement.

Admin fees

We at GBI cars do not charge an admin fee on any vehicle that its sold via our finance providers. If you choose to use an external finance company and finance admin fee of £199 inclusive of VAT will apply.

Sell your car – Price promise

Our promise is set out to give you the best possible price for your car regardless to whether is a part exchange or a direct purchase!

Here’s our terms and conditions;

• All claims are subject to receiving written confirmation of your part-exchange offer, dated within 7 days from the date of claim.
• The mileage must be within 30 miles of another dealer’s valuation mileage.
• The offer must be from a VAT registered car dealer or car supermarket within a 100-mile radius of GBI CARS, Leighton Buzzard
• The car must not be registered as a total loss or have any other detrimental information against it.
• The offer does not apply to offers made by online vehicle buying services.
• Claims must be made prior to the collection of your new vehicle; the invoice will be adjusted to confirm the change
• In the case of a dispute of these conditions, GBI CARS reserves the right to uphold any claims.
• The competing dealer must have seen your vehicle physically, and this must be evidenced in writing.

Data Protection

Privacy Policy

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