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Ever wondered if you could get a loan out of your car?

Yes, you can!

Get the money you
need in 24 hours.

(478.3% APR Representative)

Don't delay, apply now!

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As there are no credit checks and as the process is very simple, you can be driving away with your loan within 24 hours.

 

What are logbook loans?

Logbook loans are becoming one of the fastest growing types of immediate loan finance and are one of the fastest types of loans available in the UK. A logbook loan will enable you borrow money and use your car, motorbike or van as security against your loan. In fact lenders will lend against any vehicle that has a logbook.

 

What is a logbook loan?

It is a form of secured loan, with the value of your loan secured against the value of your car. This enables borrowers to borrow anything from a few hundred pounds to tens of thousands of pounds, regardless of the clients' credit history. You can still use the car, but the logbook is given to the lender as security for the loan until the loan has been repaid.

 

Refused a loan?

You may have a poor credit history. This doesn't matter - provided you can afford the loan - as your loan is secured against the value of your car, lenders do not need to run a credit check on you. This means that even if you have a bad credit history, CCJs, Arrears, Defaults, you can still get a loan. All you need to prove is that the car is yours, that your car is free or nearly free of any finance on it, and that you can afford the loan repayments. Easy!

 

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How Logbook Loans Work
Code of Responsible Lending
Rates and Fees
FAQs
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How Logbook Loans Work

Step 1

Apply online NOW and you could receive your money within 24 hours
Our lenders will value your vehicle and confirm the loan amount and provide a free no obligation quotation.

Step 2

Accept the Loan offer and receive your money on the same day. You will need to meet one of our lenders representatives at home, at your office or a local branch where they will check the condition of your car. And you will need to bring with you:

  • The logbook (V5) and MOT
  • Insurance details
  • Evidence of your income
  • Your passport or driving license
  • Two recent letters or bills

Step 3

Get your loan & Drive your car away and start repaying the loan, BUT remember you can still drive your car as normal. You will continue to be responsible for

  • Car insurance
  • Road Tax
  • MOT
  • And the maintenance of the car for the duration of the loan.

Step 4

Repay the loan or make capital overpayments after 12 weeks with no penalties



Make extra payments to repay your logbook loan throughout the loan. Extra payments will be taken from the original amount that you borrowed & a new interest rate and capital repayment schedule will be calculated for the remainder of your agreement. This may mean you pay significantly less interest with no penalties - guaranteed!

All Loansonyourcar.co.uk lenders are fully accredited members of the Consumer Credit Trade Association and therefore are fully compliant with its 'Code of Practice'. They are committed to ethical and responsible lending and to providing the highest levels of professional customer service. They will only lend to customers in full time employment or those with proof of a regular income. See our lending policy. Consumer Credit Trade Association Code of Conduct


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Code of Responsible Lending

CODE OF PRACTICE
(BILLS OF SALE FOR LENDING REGULATED UNDER THE CONSUMER CREDIT ACT)
"A Commitment to Responsible Lending”
1 THE CONSUMER CREDIT TRADE ASSOCIATION ('THE ASSOCIATION') AND THIS CODE
1.1 The Association represents finance houses, retailers, building societies, credit-brokers, professional firms, debt collection companies and others acting in providing credit, hire and leasing facilities and ancillary services to consumers and businesses.
1.2 This Code is specific to those members who engage in the use of Bills of Sale for Lending regulated under the Consumer Credit Act 1974.
1.3 The purpose of this Code is to ensure compliance by members with the minimum standards set by the Association, as specified in this Code.
1.4 The Association and its members shall publicise the existence of this Code and where appropriate provide details of the Complaints Procedure.

2 MONITORING AND COMPLIANCE
2.1 The Association, through its Council, shall monitor the compliance of members with this Code and will require members to submit to Annual Compliance Audits (ACA's) as a condition of membership of the Association. The Association or any other authorised person(s) will conduct the ACA's at the member's business premises.
2.2 Members shall promptly notify the Chief Executive or other officer of the Association of any conduct that comes to their attention of any member or any other person engaging in Bills of Sale for Consumer Lending, which is not consistent with this code and which might adversely affect the reputation of the consumer credit industry or of the Association.
2.3 The Association will record all incidences of reported misconduct, including misconduct identified through Annual Compliance Audits, and will make those records available to the Office of Fair Trading (OFT).
2.4 The Association, through its Council, may take action against any member found to be in breach of this Code. Such action may include unscheduled compliance audits, written warnings to the member, requests for written explanations and meetings to discuss the matter.
2.5 The ultimate sanction, which the Association may impose, is the suspension or expulsion of a member from the Association. The Association will also promptly notify the OFT of any members who they suspend or expel and the reasons why.

3 GENERAL OBLIGATIONS
Members shall:
3.1 Conduct their business lawfully; comply with all relevant legislation, regulatory guidance, judicial decisions and general rulings of regulatory authorities.
3.2 Trade honestly, responsibly, ethically and treat customers fairly.
3.3 Behave at all times with integrity and endeavour to ensure, where applicable, that credit-brokers and all other persons with whom the member has commercial relationships do likewise.
3.4 Act responsibly and with care in the day-to-day conduct of their business.
3.5 Not misrepresent facts to a customer concerning any aspect of a credit transaction. Members shall also take all reasonable steps to ensure, where applicable, that brokers and any other intermediaries, when acting, as agents of the member, do not misrepresent facts regarding such transactions to a customer.
3.6 Respect confidential information supplied to them in the course of their business.
3.7 Ensure that credit documentation embodies, in plain and intelligible language, all the express terms and conditions of the agreement, which affect the customer's rights and obligations.
3.8 Provide adequate training for members of their staff, agents, associates and any other person who performs any duties on behalf of the member, bringing this Code and the principles contained in it to their attention and requiring them to carry out their duties in accordance with it.
3.9 Comply with obligations and any conditions which may be imposed by the OFT with regard to their respective licences under the Consumer Credit Act 1974 (the Act).
3.10 Follow, where applicable, any requests conveyed by the Association and emanating from the Bank of England, the OFT, the Financial Services Authority (the FSA) (or other relevant authority), and the enforcement authorities.
3.11 Follow, where applicable, any guidance notes issued by the Association, which refer to this Code.
3.12 Ensure fairness in all dealings with customers including, but not limited to, their dealings with customers both before and after the making of the agreement or any related agreement and the manner in which those agreements are enforced.
3.13 Ensure that the member's interest in the assigned vehicle is registered, within 24 hours of the making of the agreement, with a recognised Asset Finance Register such as HPI Ltd.
3.14 Members shall not use Bills of Sale, as a security instrument, to finance the purchase of any goods sold to the customer by the member, or by any third party suppliers.

4 SPECIFIC OBLIGATIONS
4.1 Advertising and Marketing
4.1.1 Members shall not use direct mail indiscriminately, shall act responsibly and prudently in their advertising and marketing and ensure that all their advertising is truthful and not misleading.
4.1.2 Members shall ensure that all advertising and promotional literature is fair and reasonable, does not contain misleading information and complies with all relevant legislation, in particular the provisions of the Consumer Credit Act 1974 (the Act) and the Regulations made under it. This includes the inclusion and disclosure of the 'APR' in the statutory form, where required by domestic and community law.
4.1.3 Members shall ensure that all advertising complies with the British Code of Advertising, Sales Promotion and Direct Marketing, the Radio Advertising Standards Code, the Television Advertising Standards Code, OFCOM and other relevant codes of practice of similar standing.
4.1.4 Members shall not engage in high-pressure selling or other aggressive sales practices such as pressurising a customer to sign up to a credit agreement without affording him the opportunity to consider the Pre-contract information, ask questions about the agreement and ask for and obtain further information and explanation.
4.1.5 All advertising carried out by members shall carry and prominently display the CCTA logo or reference to being CCTA members. This will help customers identify that loans provided by the individual member are transacted to a high standard. All members will also prominently display this Code of Practice on their websites and will make available hard copies to send on request to interested customers.
4.1.6 In this code and in particular clause 4.1 above, "advertising” includes every form of advertising including Internet Websites. The Consumer Credit Act 1974, s 189(1) makes it clear that any form of publicity is an advertisement for the purposes of the Act. "Advertisement” includes every form of advertising, whether in a publication, by television or radio, by display of notices, signs, labels, show-cards or goods, by distribution of samples, circulars, catalogues, price lists or other material, by exhibition of pictures, models or films, or in any other way, and references to the publishing of advertisements shall be construed accordingly.
4.2 Responsible Lending
4.2.1 Members shall not engage in any behaviour that the OFT considers may constitute 'irresponsible lending'. Members must have regard to: 'Irresponsible Lending-OFT guidance for creditors'- August 2010 and as amended from time to time.
4.2.2 Where members make available agreements comprising a balloon payment option, representing the full loan amount (also known as the principal), members agree to make that option available only where their customer is proposing to enter into the agreement which is wholly or predominantly for their business purposes (a business carried on or intended to carry on). Where that is the case, members agree:
(a) to offer both balloon and capital repayment options to the customer and to provide adequate explanations of the key features and risks of each of the agreement options in order to place the customer in a position enabling him to assess which agreement (if any) is adapted to his needs and his financial situation.
Freedom shall be given to the customer to select the payment option that is best suited to his needs and financial situation;
(b) to carry out reasonable specific assessments of affordability in order to establish from the customer that sufficient funds will be available by him to repay the loan in a sustainable manner and in full at the end of the contractual term;
(c) that where credit is granted to customer on the basis of a balloon payment option, the term of the agreement shall not exceed 12 months. In addition, any subsequent agreement entered into with such customers, as a result of their inability to pay the final balloon payment on the earlier agreement, will be repayable by periodical capital and interest repayments of an amount not greater than the amount of the periodical interest only payments in the earlier agreement.
4.3 Explanations of the credit product
4.3.1 Before the customer is bound by any credit agreement or offer, members shall provide the customer with Pre-contractual information (PCI) by means of the form required by law at that time. Members shall explain to the customer that they may take away the PCI to consider the terms of the offer of credit before the making of the agreement and the customer should be afforded such an opportunity.
4.3.2 Members shall provide adequate explanations to the customer, in order to place the customer in a position enabling him to assess whether the proposed credit agreement is adapted to his needs and to his financial situation by explaining, but not limited to:
(a) the Pre-contractual information to be provided;
(b) the risk, on default of the agreement, that additional interest and default fees may be charged;
(c) the risk of losing the asset (usually a vehicle) on which the credit is secured, how it would be repossessed, and the loss this could entail;
(d) that repossession under the Bill of Sale can take place without a court order and that members may enter customer's premises to take possession of the vehicle;
(e) that repossession can result in significantly higher additional costs and may not clear all of the debt owed ; and
(f) that there is a provision for voluntary termination and the terms and conditions which apply.
4.3.3 Where a member has clear grounds to suspect that the explanation provided has not placed the customer in a position whereby he is enabled to assess whether the agreement is suited to his needs and his financial situation, members shall provide further explanation to the customer.
4.3.4 In all circumstances members should provide the customer with an opportunity to ask questions about the credit agreement. Members should also advise the customer how to ask for further information and explanation about the credit agreement from him.
4.4 Assessment of affordability
4.4.1 Members shall, before granting credit or increasing the amount of credit to be provided to the customer, undertake an assessment of the creditworthiness of the customer to assess the borrower's ability to undertake any proposed credit commitment, or specific additional credit commitment, in a sustainable manner, without the customer incurring (further) financial difficulties and/or experiencing adverse consequences.
4.4.2 The assessment of affordability should be based on information and evidence obtained from:
(a) the customer, having provided evidence of his ability to repay the credit; and
(b) a credit reference agency, where necessary.
4.4.3 Members shall take particular care in relation to applications for credit from young people in the age range 18-21 years.
4.4.4 Members shall continuously monitor their credit granting practices and their assessment techniques to ensure that they are prudent and realistic in the prevailing economic circumstances. They shall not be less rigorous in assessing the customer's ability to repay by reason of the sole fact that security is offered.
4.4.5 To the extent that they use credit-scoring techniques, members shall abide by the principles set out in the publication "Guide to Credit Scoring 2000”, as subsequently amended or updated. Where members do not use credit-scoring techniques they should be prepared to make clear to a declined applicant whether or not a refusal relates to a credit reference agency report.
4.4.6 Members shall ensure that where a customer is refused credit and believes the refusal to be unreasonable the customer is given the name or title of a senior official who will review the application.
4.4.7 Members shall provide appropriate assistance, in the form of information and guidance, to young (as defined in 4.4.3) and/or vulnerable customers.
4.5 The Regulated Consumer Credit Agreement
4.5.1 Members shall use plain and intelligible language in all agreements, Pre-contract information documents and communications with customers. Members shall use prescribed wording where that is required by law.
4.5.2 Members shall ensure that their agreements (and any related agreements) with consumers do not contain unfair contract terms.
4.5.3 Members shall advise customers of the contractual interest rate(s) applicable to their agreements for credit, the basis on which default interest and charges, repossession charges and any other charges are calculated and, when they will be charged.
4.5.4 Members shall advise customers how any agreed variation of the terms and conditions of their agreement will be notified and shall give customers at least 14 clear days written notice before any variation takes effect.
4.5.5 Members shall comply with all statutory and other reasonable requests by customers for information about their agreements and accounts within 14 days of receiving a written request or otherwise within the period specified by law.
4.5.6 Members shall supply copies of documentation and statements of account as required by law and within the prescribed timescale.
4.5.7 Members, where applicable, shall comply with their legal obligations in relation to the provision of Pre-contractual information and the 14 day right of cancellation in respect of distance contracts under the Financial Services (Distance Marketing) Regulations 2004.
4.5.8 Members shall assist customers seeking advice and guidance.
4.6 GUARANTEES AND BILLS OF SALE
4.6.1 Guarantees
4.6.1.1 Members shall advise individuals proposing to give a guarantee or other security for a customer's liability that:
(a) by giving the guarantee or security he or she might become liable for payment of the loan amount instead of or in addition to customer;
(b) he or she should seek independent legal advice before entering into the guarantee or security.
4.6.1.2 Members shall be deemed to have complied with the requirements of 4.6.1.1 where guarantees and other securities contain a clear and prominent notice to the above effect.
4.6.2 Bills of Sale
4.6.2.1 Members shall comply with the requirements of The Bills of Sale Act 1878, the Bills of Sale Ireland Act 1878 and the Bills of Sale Act (1878) Amendment Act 1882, the standard industry practice of ensuring that the members' interest in the assigned vehicle is registered, within 24 hrs of the making of the agreement with a recognised Asset Finance Register such as HPI Ltd, other relevant laws, codes of practice and this Code insofar as it is compatible with the foregoing.
4.6.2.2 Members shall provide the customer with the Industry Standard 'Bill of Sale Borrower Information Sheet'.
4.7 DEALING WITH CUSTOMERS EXPERIENCING FINANCIAL DIFFICULTIES
4.7.1 Members shall establish and implement policies and procedures for dealing with customers whose accounts fall into arrears that are fair, clear, not misleading and members agree to fully comply with both the word and spirit of the section entitled 'Handling of default and arrears' of the OFT Irresponsible Lending Guidance.
4.7.2 Any policies and procedures for dealing with customers whose account falls in arrears shall make specific provision for, amongst other matters, the fair and appropriate treatment of vulnerable customers such as those known to or reasonably believed to lack the mental capacity to make relevant financial decisions at a particular time.
4.7.3 Members shall consider cases of financial difficulty sympathetically and positively, treat customers in default or arrears difficulties with understanding, forbearance and due consideration and encourage their customers to contact them should they experience financial difficulty.
4.7.4 Members shall, where appropriate, refer customers to debt counselling organisations and notify customers where they can get free advice, such as Citizens Advice Bureaux, Money Advice Centres, National Debtline, the Consumer Credit Counselling Service or Consumer Direct. Members will work with debt counselling organisations to assist their customers.
4.7.5 Members shall suspend, for a period of not less than 30 days, the active pursuit of recovery of a debt from a customer in default or payment difficulties under circumstances in which a bona fide debt advisor is assisting the customer in a agreeing a repayment plan.
4.7.6 If a member passes a customer's account to another person to collect overdue payments, such as a debt collector or solicitor, the member will inform the customer. Members will always choose debt collection firms that agree to abide by this Code or the Credit Services Association Code and the OFT Debt Collection Guidelines.
4.8 Enforcement and Debt Collection
4.8.1 Members shall have due regard to the Debt Collection Guidance issued by the Office of Fair Trading (the OFT) and in particular shall not engage in any unfair business practices identified in that Guidance.
4.8.2 Members shall have due regard to: 'Irresponsible Lending-OFT guidance for creditors' and in particular shall not engage in any irresponsible lending practices identified in that Guidance under the heading 'HANDLING OF DEFAULT AND ARREARS'.
4.8.3 Members shall ensure, by reviewing annually their debt collection procedures and those of any third parties they employ, that they conform to high ethical standards and allow for proper consideration of the customer's circumstances and in particular:
(a) encourage customers in financial difficulties to inform them of their difficulties at the earliest possible moment (and members will endeavour to respond sympathetically, without prejudice to members' rights);
(b) provide in all relevant correspondence the name or title of a specially trained member of staff who may be contacted if difficulties arise; and
(c) take into consideration, before determining whether to enforce an agreement, all information supplied by the customer or otherwise in relation to the cause of any default and the customer's future ability to repay. If the customer has disclosed multiple debt problems, members shall inform the customer of the availability of advisory services.
4.8.4 Members should suspend the pursuit of recovery of a debt from a borrower, under circumstances in which notification has been given and/or it is reasonably believed that the borrower lacks the mental capacity to make relevant financial decisions regarding the management of his debt at that time, unless or until a reasonable period of time has been allowed for relevant evidence to be provided as to the likely impact of the capacity problem on the borrower's ability to manage his debt and deal with a debt recovery business. The appropriate means of collecting evidence, in appropriate circumstances, could be to use the standard Debt and Mental Health Evidence Form (DMHEF), developed between MALG and the Royal College of Psychiatrists.
4.8.5 Members shall not impose charges, of whatever nature, on customers who are in arrears unless the nature of those charges are disclosed at the Pre-contract stage and are limited to doing no more than covering the member's costs.
4.8.6 Members shall allow for alternative, affordable, payment amounts when the borrower or his appointed debt advisor or representative makes a reasonable proposal.
4.8.7 Members shall regard the lawful seizure of a secured asset as a serious enforcement option, to be taken only when attempts of have failed with the customer, to mutually agree a realistic and sustainable arrangement to clear arrears.
4.8.8 Members should not, except in exceptional circumstances such as proven identity fraud, consider seizure of the vehicle unless-
1) the amount of the customers arrears shortfall is no less than the equivalent of:
a) the sum of the last two payments required to have been made, under a monthly paid agreement, before that time; or
b) the sum of the last four payments required to have been made, under a weekly paid agreement, before that time; and
2) the requirements of section 87B (Notice of Sums in Arrears) of the Act have been complied with prior to serving a Default Notice under section 87 (1) of the Act.
4.8.9 Notwithstanding the provisions of the Bills of Sale Act 1878, the Bills of Sale Ireland Act 1878 and the Bills of Sale Act (1878) Amendment Act 1882, members shall, upon the lawful seizure of the vehicle, hold the vehicle in safe keeping for a period of not less than 14 days to allow the customer to make representations to resolve the matter or to make application to the court under section 7 of the Bills of Sale Act (1878) Amendment Act 1882 to restrain the member from selling the vehicle. Members shall take all reasonable steps to ensure that seized vehicles are sold for the highest obtainable market price.
4.8.10 Members shall not apply for a charging order on the customers home (the property) to secure an outstanding debt, except under the following circumstances:
(a) the outstanding debt is no less than £500 and, for whatever reason, a member is unable to gain lawful possession of the assigned vehicle; or
(b) the outstanding debt is no less than £500 and 'bad faith' by the customer is shown, which includes; intent to deceive or mislead a member to gain some advantage, dishonesty or fraud in the transaction.
4.8.11 Where members have obtained a charging order under 4.8.10 (a) or (b), those members shall not seek an order of the court for the sale of the judgments debtors home.
4.8.12 Members shall allow customers who are in arrears under the agreement, the option to voluntary surrender the assigned vehicle as full and final settlement of all claims against the customer except where:
a) a default notice has been served under s87 of the Act, the default notice remains unsatisfied and instructions have already been issued to an authorised person to recover the vehicle; or
b) it is established that the vehicle has sustained malicious damage of whatever nature.
Members shall provide the customer with information on the voluntary surrender option at the Pre-contract information stage and at the time a default notice is served. Members shall not place undue pressure on the customer to adopt this option.

5. THIRD PARTY PURCHASERS
5.1 Members shall afford innocent purchasers of vehicles, that are subject to a Bill of Sale, the same protection as afforded under the Hire-Purchase Act 1964 Part III - 'Title to Motor Vehicles on Hire-Purchase or Conditional Sale', but only insofar as title shall transfer to the innocent purchaser in the event that the Member failed to register his interest in that vehicle with a relevant Asset Finance Register Company within 24 hours of execution of the agreement.

6 DEBT COLLECTION AGENCIES
6.1 Members shall ensure that any Debt Collection Agencies they employ shall be licensed under the Consumer Credit Act 1974.
6.2 Members shall monitor those Debt collection agencies compliance with the Consumer Credit Act 1974, regulations under that Act, relevant codes of practice, debt collection guidance issued by the Office of Fair Trading and this Code insofar as it is compatible with the foregoing.

7 DATA PROTECTION AND CONFIDENTIALITY OF INFORMATION
7.1 Members shall respect personal information supplied to them by customers and shall inform customers of the purposes for which this information is intended to be used and disclosed, before it is given by the customer.
7.2 Members shall observe a strict duty of confidentiality about their customers (and former customers) personal financial affairs and shall not disclose details of customers accounts or their names and addresses to any third party, except for the purposes of filing with credit reference agencies and in the following cases:
(a) where they are legally compelled to do so;
(b) where there is a duty to the public to disclose;
(c) where the interests of the member requires disclosure;
(d) where disclosure is made at the request, or with the consent, of the customer.
Members shall not use exception (c) above to justify the disclosure for marketing purposes of details of customers' accounts or their names and addresses to any third party, including other companies within the same group.
7.3 Members who use the services of credit reference agencies and/or fraud prevention agencies shall ensure that any information they supply about customers and the conduct of their accounts to credit reference agencies and/or fraud prevention agencies is complete and accurate.
7.4 Members shall at all times comply with the Data Protection Act 1998 when obtaining and processing customers' personal data and shall explain to their customers that they have the right of access, under that Act, to their personal records held on computer files.
7.5 Members shall advise customers of their right not to receive marketing information from the member or a third party with whom the member is connected. Members shall comply in that regard with the requirements of the Data Protection Act 1998 and the Privacy and Electronic Communications (EC Directive) Regulations 2003.

8 COMPLAINTS PROCEDURE
8.1 General
8.1.1 Members shall deal promptly and at an appropriate management level with complaints. Members shall establish a complaints procedure and furnish information on request about their complaints procedure. Customers shall be told what further steps are available if they believe that the complaint has not dealt with satisfactorily. These steps include the complaint being referred to a senior manager of the Member, to the CCTA and the ultimate resort of the unresolved complaint being referred to the Financial Ombudsman Service (FOS).
8.2 Customer Complaints
The following shall apply to complaints made by member's customers to the Association in relation to customer transactions.
8.2.1 If a customer makes a complaint to the Association in relation to an account or an agreement with a member, the Association shall, in the first instance, refer the complaint to a senior executive of the member, for consideration.
8.2.2 If the complaint is not resolved to the customer's satisfaction, unless the customer wishes to refer the complaint to the Financial Ombudsman Service, the Association (through an appropriate representative) shall endeavour to conciliate between the customer and the member to restore communication between the customer and the member where this has broken down. The Association shall accept, for conciliation, complaints made against members and subsidiary companies of members.
8.2.3 Where a complaint cannot be resolved by conciliation, the customer shall be entitled to seek resolution by the Financial Ombudsman Service.
8.2.4 Nothing in this Code restricts or is intended to restrict the rights of a customer or a member to pursue remedies through the Courts or the Financial Ombudsman Service.
8.2.5 The conciliation scheme shall not be invoked where a customer's complaint has already been considered under the dispute resolution scheme of other relevant Codes of Practice or of the Financial Ombudsman Service or where the complaint has been the subject of a judicial decision.
8.2.6 Members shall notify customers of their complaints procedure, including the customer's right to seek resolution of the complaint under the Conciliation Scheme and the Financial Ombudsman Service.

9 PREVENTION OF FRAUD AND MONEY LAUNDERING
9.1 Members shall satisfy themselves about the identity of a person seeking to enter into an agreement or to open an account, to assist in protecting their customers, members of the public and themselves against fraud and money laundering.
9.2 Members shall establish, maintain and implement fraud prevention and anti-money laundering procedures and client identification procedures and train their staff in operating such procedures.
9.3 Members shall comply with all relevant legislation and guidance relating to the prevention of fraud, money laundering and client identification including relevant Money Laundering Regulations and guidance issued by The Joint Money Laundering Steering Group.

10 INTERPRETATION
In this Code reference to Acts or Regulations shall be construed as such Acts or Regulations respectively, as amended or re-enacted from time to time.

11 FORMAL PROCEDURES
11.1 The Council may make such changes to this Code, as it may consider appropriate from time to time, by a majority of the members of the Council present and voting. In the event of an equality of votes the Chairman of the Council shall have a casting vote in addition to the vote to which he is entitled as a member of the Council.
11.2 The Council shall give members at least 30 days' notice in writing of any changes to this Code.
Privacy statement
Introduction
LoanonMyCar.co.uk is an online loans broker and our address is Advantage Business Centre,132-134 Great Ancoats St, Manchester, M4 6DE. We take our obligations under the Data Protection Act 1998 and all related regulations ("the Act") very seriously and have taken steps to ensure compliance with the provisions of the Act.
This Privacy Policy sets out the principles governing our use of your Personal Data. By using the Site generally, you agree to the principles set out below. Defined terms in this Privacy Policy have the same meanings as in the Act.
Please read the following policy to understand how we will treat your personal data when you use our site. If this policy changes then we will let you know via our homepage but we assure you that we only use your data as specified here and for our legitimate business reasons.
How do we collect data?
We can collect data on you from in variety of different ways.
• When you request a quote or complete a loan application form on the site;
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• When you speak to our customer services personnel;
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• In any of the above cases the data we collect could be personal data.
What do we do with your personal information?
When you apply via the site, we may need to collect information about you to process the transaction, fulfil your order and provide you with the services you expect. This information may include, but is not limited to, details such as your name, your address and your email address. We may disclose your data to certain permitted third parties, such as members of our own group, our own professional advisers who are bound by confidentiality codes, to help process and administer any loan that you require and when we are legally obliged to disclose your data.
LoanonMyCar.co.uk retains and uses your personal information to provide you with the best online e-commerce experience by providing you with a personalised service and to give you details of offers which we think will be of interest to you. We may also use the information to process any transactions you undertake with us and for internal administration and analysis.
We may also share your details with selected third parties so that they may tell you of products and services which we or they think may interest you, by telephone, sms, email or post. We may also use the personal information you provide for the purposes of: identity verification, credit and risk management, revenue collection, database verification and enhancement.

Data
In the UK we operate and are registered in accordance with applicable data protection legislation. LoanonMyCar.co.uk conforms to the requirements of the Data Protection Act, 1998. ("The Act")

DATA PROTECTION ACT 1998
I/we confirm that I/we have the consent of any third party whose details I/we may disclose to LoanonMyCar.co.uk("You") to disclose such details and to authorise You and the third parties referred to in the paragraph below to process such details for the purposes of assessing my/our application and administering and enforcing any subsequent loan which may be granted to me/us. I/we also confirm that you have my/our permission to pass my/our details to more than one lender/broker to find me/us the best possible rate for my/our circumstances. I/we agree that You and any lender or broker partner resulting from this application (the "Lender or Broker") shall be entitled to use and process, by any medium, the information given by me/us in this application form and any other information about me/us which may be acquired during the lifetime of any loan ("the Data") for the following purposes:-
• providing the information to and searching the files of one or more licensed credit reference agencies (such agencies will keep a record of such search to confirm the information and for the purposes of credit assessment or account administration).
• To disclose the information to credit reference agencies when requested by them for consideration of any future applications for finance made by you or members of your household/family or for fraud prevention and/or tracing debtors - the agencies may also disclose your information to other lenders for these purposes.
• To disclose the information to any of our broker partners and/or to other potential lenders/mortgagors and/or to mortgage brokers or third parties (e.g. debt counsellors and insurers) for the purposes of assessing your application, and administering and enforcing any subsequent loan which may be granted.
• Disclosing the data to any third party who replaces LoanonMyCar.co.uk in its capacity as a broker.
• To contact you or any other person referred to by you in connection to the application or enquiry you have made. You are, of course, under no obligation to apply for any of the products or services offered
You also agree that we may disclose your information to:
• A lender or lenders in accordance with your application.
• Other brokers if we are unable to arrange finance for you.
• Other carefully selected product suppliers in the future with a view to them offering you products they feel may be of interest to you.
• FISA or other regulatory bodies to ensure we are processing information correctly and complying with regulatory requirements.
• Other legal authorities if required by law.
• Unless you have previously stated otherwise, we may share your information with our associated companies within the Group and other carefully selected third party organisations outside the Group.
Information held by us will be processed only for purposes for which we have registered under the Data Protection Act. Upon you making a request in writing we will provide you with a copy of the information which we hold concerning you on payment of a fee of £5.

Consent
By disclosing your personal information to us using this website or over the telephone, you consent to the collection, storage and processing of your personal information by LoanonMyCar.co.uk in the manner set out in this Privacy Policy.

Change/Modify Details
To change your e-mail address details send an e-mail with your correct details to: support@LoanonMyCar.co.uk
If you need to modify or change your personal details after you have made an application on the site please e-mail us at support@LoanonMyCar.co.uk as soon as possible.

Contact
If you have any questions or concerns about the information we hold about you, you can also email us at support@LoanonMyCar.co.uk

Terms and conditions
The Terms and Conditions set out below detail how LoanonMyCar.co.uk can be used. If the LoanonMyCar.co.uk website hereinafter referred to as 'the website' is used, you are agreeing to be bound by these terms and conditions. If you do not accept any of the terms and conditions stated below, you should not use the website. By using the website, you undertake that you are aged 18 years or older.
References to 'you', 'your' and 'yours' are references to the person(s) accessing the website. References to 'we', 'us' and 'our' are references to LoanonMyCar.co.uk.
The information, material and content provided in the pages of the website may perhaps be changed at any time without notice. We can also institute change to the Terms and Conditions at any time by simply updating this posting. We expect you to agree to review the Terms and Conditions regularly.

Our Service
LoanonMyCar.co.uk effectively acts as an "introducer” and will introduce you to other companies who provide financial products and services.
Our website provides you with the opportunity of researching and selecting financial products over the Internet.
The website collects data from users and passes this information, unaltered, where applicable and after user approval to our chosen third parties.
LoanonMyCar.co.uk makes no guarantees and is not responsible for:
1. The accuracy or currency of the content of any third party material that appears on the website (this includes content that may or may not be identified by LoanonMyCar.co.uk as third party material).
2. The quality of any third party services that may be featured on the website.
3. The content of any third party website that links from the website.

Advice
This Terms and Conditions document relates solely to our non-advisory service which provides customers with information to assist them in selecting products they feel are most appropriate for their needs. Nothing in the website shall be deemed to constitute advice or a recommendation to purchase a particular product or service. If you are in any doubt as to the suitability of the product or service we suggest that you seek independent financial advice.

Users
The website is intended for users in the UK. However, if some user from other than the mentioned country uses this website, we do not guarantee that the information will be apt for them. A user is wholly liable for use of the website.

No warranties
It is our utmost priority to keep the website error-free however as the data storage is of electronic nature a slight technical fault may give rise to a big issue. On such front we should not be held liable for any loss occurred on your part.

Third party sites and warranties
To increase the popularity of the website we exchange links with third party websites. If a user of this website visits those websites, the user is wholly responsible for any loss occurred. We also do not endorse any opinion, advice, information, service or products cited in such website.

Intellectual Property
Permission must be secured prior to the reproduction or redistribution of material from the website.
LoanonMyCar.co.uk owns the rights to the website. All other company names and products belong to their respective owners.
Information from the website must not be used for illegal or immoral use.

Liability Obligations
LoanonMyCar.co.uk does all it can to ensure data on the website is accurate and endeavours to immediately correct any inaccuracies as soon as the company is made aware of them. To the extent allowed by law, LoanonMyCar.co.uk is not responsible for inaccuracies published on the website.
LoanonMyCar.co.uk does not validate, monitor or endorse any third party information submitted to the website and as such, this information could be inaccurate. LoanonMyCar.co.uk does not validate, monitor or endorse the data or quotations collected from third parties as presented to you on the search results page.
LoanonMyCar.co.uk is not responsible for any harmful effect on technology that may result from using the website nor does LoanonMyCar.co.uk give any warranty that the website is free from viruses. In addition, LoanonMyCar.co.uk is excluded from liability should any losses or claims occur as a result of your inability to access the website, or from any use of the website or reliance on data published on the website to the extent permitted by law.

Termination of Agreement
Should any of the terms and conditions stated be breached, LoanonMyCar.co.uk has the right to terminate the agreement and immediately remove, cancel or suspend access to and use of the website.
All disclaimers, indemnities and exclusions stated within these terms and conditions shall survive termination of the agreement between us for any reason.
LoanonMyCar.co.uk is not liable for failure to undertake any obligation under this agreement if failure results from events out of its control, including without limitation Internet/telecoms outages, fire, flood, war and acts of God.

Data protection
We abide by the Data Protection policy in accordance to the UK. We will not disclose your personal information outside of the LoanonMyCar.co.uk or affiliate network or other third parties with sole intention of securing your choice of service. We may also pass on the information for fraud prevention purposes and/or if required/obliged by law or Governmental or judicial bodies or agencies or to our regulators under proper authority, or under a strict code of secrecy to sub-contractors or persons acting as our agents or where we have your consent or have previously informed you.

Governing law
The Terms and conditions are governed by and interpreted in accordance with the laws of England and Wales and the courts of the above jurisdiction will have non-exclusive jurisdiction in respect of any dispute, which may arise.

General Information
Should any provision of the agreement be held unlawful or invalid, that provision shall be deemed severed. Where relevant, the validity of the remaining provision of the agreement will not be affected.
Should LoanonMyCar.co.uk not enforce any provision of this agreement, such will not be considered a waiver of any provision or right.

Use of the website
You may not use the website for any purpose which is unlawful, abusive, libellous, obscene or threatening.

Security
LoanonMyCar.co.uk uses a SSL Certificate with 256 bit encryption to make sure your data is transferred securely.
To make the most of the security on our site, we recommend using either Mozilla Firefox, Google Chrome or Microsoft Internet Explorer version 7.0 or higher, both of which enable SSL. We also recommend setting your browser´s preferences to accept cookies and enable JavaScript.

About us
LoanonMyCar.co.uk is a website designed to get you a log book loan quote. A logbook loan is a loan against your car. If you have a car which is under 10 years old, and free or nearly free of finance, you can qualify for a log book loan.
The key benefit of a log book loan is that you can still drive the car. You simply send the logbook, or V5, of the car to the log book loan lender and they will give you a loan. The amount of the logbook loan is based on the value of your car.
LoanonMyCar.co.uk will take your logbook loan application and introduce you to the appropriate lender. If you don't fit the logbook loan acceptance criteria, which could happen if your car is over 10 years old, or if it has existing finance on it, then we may refer you to a payday loan or unsecured loan lender or broker.
LoanonMyCar.co.uk does not charge any fees for using this website or its service. You simply apply, and you will be contacted very shortly by a log book loans lender. LoanonMyCar.co.uk is not authorised to give financial advice. If you are looking for financial advice you should contact an IFA in your area.
LoanonMyCar.co.uk is owned and operated by The Affiliate People Ltd, a limited liability company based in the UK registration number 06903071


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Rates and Fees

When you complete our loan application you are not under any obligation to accept the offer that our lending partners might make. Loanonmycar.co.uk service is 100% free and is designed to match you a trustworthy logbook loans company, they will give you a free, no-obligation logbook loan quote. You decide if you want to take out the loan. You should read all the documentation needed for the logbook loan before you make your decision.

Late payments
Read the loan offer letters and terms and conditions of log book lender before making any suggestions on paying late. Pay particular attention to what might happen if you make late payments, there may be charges of £25 to £250 depending upon the number of weeks you miss the payment.

What might happen if you don't pay
As the loan is secured against your vehicle, if you do not make the payments you car, motorbike or van may be repossessed. Late or missed payments may result in charges for chasing letters and telephone calls.

Renewal policy
Renewal policies are determined by your lender and not by Loanonmycar.co.uk, so they be different from lender to lender. Some lenders may not debit your account for the full amount of the loan this could result in further fees and a renewal of the loan. Please make sure that you have read the renewal policy carefully and make your wishes clear to the lender.

General Rates & Fees
The logbook loan terms and conditions state clearly your loan APR and any associated fees that may be charged. All applicants should decide for themselves whether to accept the log book loan offered based on the relevant paperwork provided this will show all the APR's a repayments clearly. Any applicant should understand that your log book loan will never have additional charges assessed or the APR changed after the laon is agreed, in those circumstances where a renewal occurs or capital repayments have occurred a new log book loan may be agreed with new amended fees and a different APR, these fees will never be undisclosed.


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How Logbook Loans Work

Q. What is a logbook loan?
A logbook loan is a simple, hassle free loan which you can get today by releasing the money tied up in your car. The car needs to be free of other finance and registered in your name.

Q. How do I apply?
Click here and fill out our easy application form

Q. How much cash can I raise?
You can borrow from £500 - £50,000. The maximum loan is up to 50% of the trade value of your car. The age and value of the vehicle will determine the maximum length of the agreement.

Q. Can I get the money today?
It could be within the day if you have everything you need
• The logbook (V5) and MOT
• Insurance details
• Evidence of your income
• Your passport or driving license
• Two recent letters or bills
And can arrange a meeting with a lenders representative. But a more realistic minimum is probably 24 hours. Regardless you will get the money 1 hour after the loan is agreed.

Q. Do you charge up-front fees?
No Fees - Guaranteed

Q. Do you charge a setup fee?
No Fees - Guaranteed

Q. Are there any cheque cashing fees to get the cash?
No Fees - Guaranteed

Q. Do you charge an early repayment and exit fees?
No Fees - Guaranteed

Q. Will you consider cars with finance?
Not usually but Loanonyourcar.co.uk has a number of lenders who will lend if your car is nearly free of finance against your car.

Q. What repayment options are offered?
Weekly repayments are made into your lender's bank account by direct debit or standing order.

Q. Can I use my car during the loan?
Yes the lender will hold onto the logbook for the car whilst you are repaying the loan

Q. Who is responsible for the maintenance and insurance of the car for the loan term?
It is your responsibility to comprehensively insure, tax, MOT and maintain your car.

Q. Can I repay the loan early?
Yes, and with no extra charges. Settle early and pay less interest.

Q. Can I extend the loan?
Yes you can ask for an extension. If your extension is accepted, you will need to pay the interest accrued to date. Then you continue borrowing as normal for a further 78 weeks on exactly the same fixed rate with no penalty or extension charge.

Q. What happens if you can't repay the loan?
If for any reason you can't pay off your car loan and you do not want to extend the loan further, then your log book loan provider will look to sell the car and settle the loan on your behalf. Repossession is always a last resort for Logbook Lenders & they will always try to get the best possible price for your car and if they receive more money than the loan and interest to be paid they will return the surplus to you direct.

Q. I have CCJs – will I still get my loan
Absolutely our lenders are interested in the future and your ability to afford the loan repayments.

Q. I am not a homeowner is this alright?
We are happy to lend to tenants.

Q. How do I make my payments?
You can pay by debit card, standing order, bank payment or cheque.

Q. How long do I have to repay?
We offer a range of loan terms from 1 day to 18+ months

Q. How old can my car be?
Loanonyourcar.co.uk's Logbook Lenders lend on cars up to 10 years old.

Q. I don't have a car, what else do you lend on?
Loanonyourcar.co.uk's Logbook Lenders will lend against cars, motorbikes, vans, trucks and motor homes.

Q. I am self-employed, can I still have a loan?
Yes.

Q. Are you regulated?
Yes Loanonyourcar.co.uk is a trading style of The Affiliate People Ltd we are marketing company generating leads for Logbook Lenders. We are regulated by the Office of Fair Trading under Consumer Credit Licence NoXXXXX. All the Logbook lenders we will introduce to you are also regulated by the OFT and are members of the Consumer Credit Trade Association the has a Code of conduct

Q. Is there a Trade Association for logbook loan companies?
Yes – Consumer Credit Trade Association
Q Will your lenders contact my employer?
Not usually and not without checking with you beforehand.

Q. What will I need to bring with me?
We will need to see a small number of documents
• The logbook (V5) and MOT
• Insurance details
• Evidence of your income
• Your passport or driving license
• Two recent letters or bills

Q. What if I need to tax my car before the loan is repaid?
You will need to renew your tax, you will still receive your reminder and you don't need the logbook to renew your road tax.

Q. Is the loan guaranteed if I have a car?
Loanonmycar.co.uk Logbook Lenders are committed to responsible lending –so they will want to be sure you can afford the payments before you take out the loan.

Q. Where can I complete the loan?
Loanonyourcar.co.uk lenders will call you and offer a loan amount against your cars value and arrange an appointment for you to either visit their office or for one of their Representatives to come to your home or place of work to complete the loan for you. On completion of the loan they will arrange for a cheque to be issued immediately.


There are both fantastic benefits to getting a logbook loan but also restrictions - make sure you don't miss out.

 

Advantages of logbook loans
  • Borrow from £500 up to £50,000
  • No credit checks
  • Get the money in Less Than 24 Hours
  • Loans for bad credit available
  • Flexible loan periods of 1 day up to 18+ months
  • No early settlement penalties
  • Manageable flexible repayments
  • Confidential and personal service

 

Restrictions on getting a loan
  • Minimum age 18
  • Resident in England or Wales
  • Car owner - logbook in your own name
  • (for vans, trucks, motorbikes and motor homes)
  • Free or nearly free of finance
  • You can afford the repayments
  • Car Age (some companies will only lend money
  • on cars that are under 8 or possibly 10 years old)

 

Get my quote »

 

 

Consumer Notice: A logbook loan is a loan taken against your car, van or motorbike. This is provided you have a car, van or motorbike that is under 10 years old & free or nearly free of finance. In this instance you can qualify for a logbook loan. The advantage of a logbook loan is that you are able to still use your car. You send the logbook, or V5, of the car, van or motorbike to the logbook loan lender & they will advance you a loan for a percentage of your cars value. The maximum amount of the logbook loan depends upon the value of your car. LoanonMyCar.co.uk takes your logbook loan application and then introduces you introduce you to an appropriate provider. LoanonMyCar.co.uk does not charge fees for the use of this website or its service. You apply, and you will be called within minutes usually by one suitable lender. LoanonMyCar.co.uk is not authorised to give financial advice. If you are looking for financial advice you should contact an Independent Financial Advisor in your area.


Legal Notice: LoanonMyCar.co.uk does not offer financial products, LoanonMyCar.co.uk refers customers to logbook loan company or broker which are registered with the Office of Fair Trading and hold a Consumer Credit Licence.


All loans granted subject to affordability. You will be required to prove your income. A Log Book loan is secured against your vehicle, if you fail to keep up the payments your vehicle may be repossessed. Charges may be incurred for chasing letters and telephone call is you miss or late making payments. All our lenders abide by the CCTA voluntary Code of Practice. Loanonmycar.co.uk do not have a renewal policy.


Representative example

 

Total Amount of credit Total amount payable %APR Representative Fixed annual interest rate Duration Instalments
£1,150 £3317.34 478.3% 125.64% 78 weeks 78 x £42.53

 

Privacy Policy
About Us
Terms and Conditions
Cookies
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Privacy Policy

Introduction

LoanonMyCar.co.uk is an owned and managed by The Affiliate People limited Britannia House 1 to 11 Glenthorne Road London W6 0LH. We take our obligations under the Data Protection Act 1998 and all related regulations ("the Act") very seriously and have taken steps to ensure compliance with the provisions of the Act.

This Privacy Policy sets out the principles governing our use of your Personal Data. By using the Site generally, you agree to the principles set out below. Defined terms in this Privacy Policy have the same meanings as in the Act.

Please read the following policy to understand how we will treat your personal data when you use our site. If this policy changes then we will let you know via our homepage but we assure you that we only use your data as specified here and for our legitimate business reasons.

How do we collect data?

We can collect data on you from in variety of different ways.

  • When you request a quote or complete a loan application form on the site;
  • When you become a subscriber;
  • When you speak to our customer services personnel;
  • Via implicit data capture measures such as studying which pages you read the most and the use of cookies;
  • In any of the above cases the data we collect could be personal data.

What do we do with your personal information?

When you apply via the site, we may need to collect information about you to process the transaction, fulfil your order and provide you with the services you expect. This information may include, but is not limited to, details such as your name, your address and your email address. We may disclose your data to certain permitted third parties, such as members of our own group, our own professional advisers who are bound by confidentiality codes, to help process and administer any loan that you require and when we are legally obliged to disclose your data.

LoanonMyCar.co.uk retains and uses your personal information to provide you with the best online e-commerce experience by providing you with a personalised service and to give you details of offers which we think will be of interest to you. We may also use the information to process any transactions you undertake with us and for internal administration and analysis.

We may also share your details with selected third parties so that they may tell you of products and services which we or they think may interest you, by telephone, sms, email or post. We may also use the personal information you provide for the purposes of: identity verification, credit and risk management, revenue collection, database verification and enhancement.

Data

In the UK we operate and are registered in accordance with applicable data protection legislation. LoanonMyCar.co.uk conforms to the requirements of the Data Protection Act, 1998. ("The Act")

DATA PROTECTION ACT 1998

I/we confirm that I/we have the consent of any third party whose details I/we may disclose to LoanonMyCar.co.uk("You") to disclose such details and to authorise You and the third parties referred to in the paragraph below to process such details for the purposes of assessing my/our application and administering and enforcing any subsequent loan which may be granted to me/us. I/we also confirm that you have my/our permission to pass my/our details to more than one lender/broker to find me/us the best possible rate for my/our circumstances. I/we agree that You and any lender or broker partner resulting from this application (the "Lender or Broker") shall be entitled to use and process, by any medium, the information given by me/us in this application form and any other information about me/us which may be acquired during the lifetime of any loan ("the Data") for the following purposes:-

  • Providing the information to and searching the files of one or more licensed credit reference agencies (such agencies will keep a record of such search to confirm the information and for the purposes of credit assessment or account administration).
  • To disclose the information to credit reference agencies when requested by them for consideration of any future applications for finance made by you or members of your household/family or for fraud prevention and/or tracing debtors - the agencies may also disclose your information to other lenders for these purposes.
  • To disclose the information to any of our broker partners and/or to other potential lenders/mortgagors and/or to mortgage brokers or third parties (e.g. debt counsellors and insurers) for the purposes of assessing your application, and administering and enforcing any subsequent loan which may be granted.
  • Disclosing the data to any third party who replaces LoanonMyCar.co.uk in its capacity as a broker.
  • To contact you or any other person referred to by you in connection to the application or enquiry you have made. You are, of course, under no obligation to apply for any of the products or services offered

You also agree that we may disclose your information to:

  • A lender or lenders in accordance with your application.
  • Other brokers if we are unable to arrange finance for you.
  • Other carefully selected product suppliers in the future with a view to them offering you products they feel may be of interest to you.
  • FISA or other regulatory bodies to ensure we are processing information correctly and complying with regulatory requirements.
  • Other legal authorities if required by law.
  • Unless you have previously stated otherwise, we may share your information with our associated companies within the Group and other carefully selected third party organisations outside the Group.

Information held by us will be processed only for purposes for which we have registered under the Data Protection Act. Upon you making a request in writing we will provide you with a copy of the information which we hold concerning you on payment of a fee of £5.

Consent

By disclosing your personal information to us using this website or over the telephone, you consent to the collection, storage and processing of your personal information by LoanonMyCar.co.uk in the manner set out in this Privacy Policy.

Change/Modify Details

To change your e-mail address details send an e-mail with your correct details to: info@LoanonMyCar.co.uk

If you need to modify or change your personal details after you have made an application on the site please e-mail us at info@LoanonMyCar.co.uk as soon as possible.

Contact

If you have any questions or concerns about the information we hold about you, you can also email us at info@LoanonMyCar.co.uk


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About Us

LoanonMyCar.co.uk is a website designed to get you a log book loan quote. A logbook loan is a loan against your car. If you have a car which is under 10 years old, and free or nearly free of finance, you can qualify for a log book loan.

The key benefit of a log book loan is that you can still drive the car. You simply send the logbook, or V5, of the car to the log book loan lender and they will give you a loan. The amount of the logbook loan is based on the value of your car.

LoanonMyCar.co.uk will take your logbook loan application and introduce you to the appropriate lender. If you don't fit the logbook loan acceptance criteria, which could happen if your car is over 10 years old, or if it has existing finance on it, then we may refer you to a payday loan or unsecured loan lender or broker.

LoanonMyCar.co.uk does not charge any fees for using this website or its service. You simply apply, and you will be contacted very shortly by a log book loans lender. LoanonMyCar.co.uk is not authorised to give financial advice. If you are looking for financial advice you should contact an IFA in your area.

LoanonMyCar.co.uk is owned and operated by The Affiliate People Ltd, a limited liability company based in the UK registration number 06903071


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Terms and Conditions

The Terms and Conditions set out below detail how LoanonMyCar.co.uk can be used. If the LoanonMyCar.co.uk website hereinafter referred to as 'the website' is used, you are agreeing to be bound by these terms and conditions. If you do not accept any of the terms and conditions stated below, you should not use the website. By using the website, you undertake that you are aged 18 years or older. References to 'you', 'your' and 'yours' are references to the person(s) accessing the website. References to 'we', 'us' and 'our' are references to LoanonMyCar.co.uk. The information, material and content provided in the pages of the website may perhaps be changed at any time without notice. We can also institute change to the Terms and Conditions at any time by simply updating this posting. We expect you to agree to review the Terms and Conditions regularly.

Our Service

LoanonMyCar.co.uk effectively acts as an “introducer” and will introduce you to other companies who provide financial products and services. Our website provides you with the opportunity of researching and selecting financial products over the Internet. The website collects data from users and passes this information, unaltered, where applicable and after user approval to our chosen third parties. LoanonMyCar.co.uk makes no guarantees and is not responsible for:

  • The accuracy or currency of the content of any third party material that appears on the website (this includes content that may or may not be identified by LoanonMyCar.co.uk as third party material).
  • The quality of any third party services that may be featured on the website.
  • The content of any third party website that links from the website.

Advice

This Terms and Conditions document relates solely to our non-advisory service which provides customers with information to assist them in selecting products they feel are most appropriate for their needs. Nothing in the website shall be deemed to constitute advice or a recommendation to purchase a particular product or service. If you are in any doubt as to the suitability of the product or service we suggest that you seek independent financial advice.

Users

The website is intended for users in the UK. However, if some user from other than the mentioned country uses this website, we do not guarantee that the information will be apt for them. A user is wholly liable for use of the website.

No warranties

It is our utmost priority to keep the website error-free however as the data storage is of electronic nature a slight technical fault may give rise to a big issue. On such front we should not be held liable for any loss occurred on your part.

Third party sites and warranties

To increase the popularity of the website we exchange links with third party websites. If a user of this website visits those websites, the user is wholly responsible for any loss occurred. We also do not endorse any opinion, advice, information, service or products cited in such website.

Intellectual Property

Permission must be secured prior to the reproduction or redistribution of material from the website. LoanonMyCar.co.uk owns the rights to the website. All other company names and products belong to their respective owners. Information from the website must not be used for illegal or immoral use.

Liability Obligations

LoanonMyCar.co.uk does all it can to ensure data on the website is accurate and endeavours to immediately correct any inaccuracies as soon as the company is made aware of them. To the extent allowed by law, LoanonMyCar.co.uk is not responsible for inaccuracies published on the website. LoanonMyCar.co.uk does not validate, monitor or endorse any third party information submitted to the website and as such, this information could be inaccurate. LoanonMyCar.co.uk does not validate, monitor or endorse the data or quotations collected from third parties as presented to you on the search results page.

LoanonMyCar.co.uk is not responsible for any harmful effect on technology that may result from using the website nor does LoanonMyCar.co.uk give any warranty that the website is free from viruses. In addition, LoanonMyCar.co.uk is excluded from liability should any losses or claims occur as a result of your inability to access the website, or from any use of the website or reliance on data published on the website to the extent permitted by law.

Termination of Agreement

Should any of the terms and conditions stated be breached, LoanonMyCar.co.uk has the right to terminate the agreement and immediately remove, cancel or suspend access to and use of the website.
All disclaimers, indemnities and exclusions stated within these terms and conditions shall survive termination of the agreement between us for any reason. LoanonMyCar.co.uk is not liable for failure to undertake any obligation under this agreement if failure results from events out of its control, including without limitation Internet/telecoms outages, fire, flood, war and acts of God.

Data protection

We abide by the Data Protection policy in accordance to the UK. We will not disclose your personal information outside of the LoanonMyCar.co.uk or affiliate network or other third parties with sole intention of securing your choice of service. We may also pass on the information for fraud prevention purposes and/or if required/obliged by law or Governmental or judicial bodies or agencies or to our regulators under proper authority, or under a strict code of secrecy to sub-contractors or persons acting as our agents or where we have your consent or have previously informed you.

Governing law

The Terms and conditions are governed by and interpreted in accordance with the laws of England and Wales and the courts of the above jurisdiction will have non-exclusive jurisdiction in respect of any dispute, which may arise.

General Information

Should any provision of the agreement be held unlawful or invalid, that provision shall be deemed severed. Where relevant, the validity of the remaining provision of the agreement will not be affected.

Should LoanonMyCar.co.uk not enforce any provision of this agreement, such will not be considered a waiver of any provision or right.

Use of the website

You may not use the website for any purpose which is unlawful, abusive, libellous, obscene or threatening.

Security

LoanonMyCar.co.uk uses a SSL Certificate with 256 bit encryption to make sure your data is transferred securely. To make the most of the security on our site, we recommend using either Mozilla Firefox, Google Chrome or Microsoft Internet Explorer version 7.0 or higher, both of which enable SSL. We also recommend setting your browser´s preferences to accept cookies and enable JavaScript.


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Cookies

This website uses cookies to improve your experience. We will assume you are OK with this, but if you are not then you can opt-out if you like. Please read the information below for more information about cookies and how to opt out.

A cookie is a small file which asks permission to be placed on your computer's hard drive. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences

The loan on my car website (www.loanonmycar.co.uk) uses first party direct cookies to track sales for our affiliate partners.  If you have come to this site from one of our affiliate partners then a cookie will be stored so we can attribute commisison to our partners. to store any information about your visit to our site.

We also use a 3rd party analytical cookie provided by Google in order to analyse the use of the website and to help us improve the service we offer to our web users.

Please see below a list of cookies used on this site

Cookie Name Purpose More Info Type
Google Analytics _utma
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