Important Information

CarSelect is provided by Lloyds TSB CarSelect Limited, Black Horse Limited and Lex Autolease Limited.

YOU SHOULD READ THESE CONDITIONS CAREFULLY.

• Who can use this site
• Use of your personal information
• Sharing your information with others
• Using your information for marketing purposes
• Telephone calls
• Typical examples
• Glass's Proprietary Consumer Used Car Valuation Data
• Complaints Procedure

Who can use this site

The material on this site and any advertisements that it contains are directed solely at those aged 18 years and over, who are resident in and who access the website from UK mainland only. The products and services described on this site are restricted to customers requiring cars for their own usage who are resident in the UK mainland only. Our cars are not available to those that reside in Northern Ireland, the Isle of Man, the Channel Islands or any country outside England, Scotland or Wales.

Use of your personal information, credit reference agencies

In considering any application you may make to us to enter into a credit or leasing agreement, we will search your record with credit reference agencies. They will add to your record details of our search and your application and this will be seen by other organisations that make searches. Searches will be made in respect of Directors and Partners of firms applying for credit.

Information held about you by the credit reference agency may already be linked to records relating to other people with whom you have a financial association. In connection with your application, you may be treated as financially linked with them and assessed with reference to any such associated records.

If you are a joint applicant or if you have told us of some other financial association with another person, you are declaring that you are entitled to:

• disclose information about your joint applicant and anyone else referred to by you
• authorise us to search, link or record information at credit reference agencies about you and anyone else referred to by you

We will use a credit scoring system when assessing your application

We may contact your employer(s) and/or accountants to confirm the information you have given us is correct.

We will also add to your record with the credit reference agencies details of your agreement with us, the payments you make under it, and any default or failure to keep to its terms, any change of address you fail to tell us about where a repayment is overdue.

These records will be shared with other organisations and used by us and them to help make decisions about credit and credit related services such as insurance for you and members of your household, trace debtors, recover debt, prevent money laundering and fraud, and to manage your accounts.

For these purposes we or they may make further searches. Although these searches will be added to your record, they will not be shared with others.

If you give us false or inaccurate information and fraud is identified, details will be passed to the fraud prevention agencies.

We and other organisations may also access and use this information to prevent fraud and money laundering, for example when:

• checking details on applications for credit and credit related or other facilities
• managing credit and credit related accounts or facilities
• recovering debt
• checking details on proposals and claims for all types of insurance
• checking details of job applicants and employees

In addition, law enforcement agencies may access and use this information.

We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

For these purposes we or they may make further searches. Although these searches will be added to your record, they will not be shared with others.

We and the credit reference agencies will also use the the records for statistical analysis about credit.

Please telephone us on 0870 240 0606 if you want to have details of those credit reference and fraud prevention agencies from whom we obtain and to whom we pass information about you. You have a legal right to these details.

Sharing your information with others

We will keep information about you and about your agreement on a Group database. Any company in our Group with which you have an agreement or which receives an application from you, may use and update this centrally held information for the purposes of such agreement and application, to help establish your identity, to recover amounts owing and to prevent fraud.

We may pass information about you and your agreement to anyone we have appointed to help administer your agreement, to insurance companies, or to recover amounts owing or to anyone to whom we transfer the agreement. We may discuss your agreement with the importer or manufacturer. We may also give an early settlement quotation to any dealer who, with your consent, asks us for one.

You have a right to receive a copy of the information we hold about you if you apply to us in writing. A fee will be payable.

Using your information for marketing purposes

We may use your information in order to select and tell you about products and services available from us or from other companies in our Group and the Lloyds Banking Group of companies which may be of interest to you and we may share your information with them for analysis for marketing purposes or so that they may contact you about their products and services. We may also use your information to tell you about products and services which we can introduce from selected businesses outside our Group. We may pass your information to the manufacturer or importer for possible further business with you and to agencies conducting market research for us.

You have the right at any time to ask us not to contact you or give your details to others for these purposes. You may write to our Customer Care Department at P.O. Box 250 Cardiff CF10 5UD if you wish us to stop. You also have the right at any time to ask us not to telephone you for sales purposes. Again you may write to our Customer Care Department at the above address if you wish us to stop.

The Lloyds Banking Group includes us and a number of other companies using brands including Lloyds TSB, Halifax and Bank of Scotland, and their associated companies. More information on the Lloyds Banking Group can be found at www.lloydsbankinggroup.com

How to voice your concern

We take pride in the service we offer to our customers and our number one priority is to provide you with the highest level of customer service. If there is a problem please let us know - we'll try to provide a solution as quickly as possible.

You can tell us about your concern in writing or by phone. You can call us on 0870 606 1730 between 9am and 6pm Monday to Friday, excluding bank holidays.

If you'd prefer to write to us, you should send your letter to us at:

Customer Services Manager
Lloyds TSB CarSelect
PO Box 250
Cardiff
CF10 5UD

When you contact us, please provide us with the following information:

• Agreement number
• Full details of your concern
• What you think we should do to put things right
• Copies of any paperwork supporting your concern (please keep originals)

We will confirm receipt of your concern and keep in contact with you until our enquiries have been completed.

Our Service Promise

When you contact us about a concern, we will try and resolve it by the end of the next business day. If we are unable to do this, we will:

• Confirm receipt of your concern by writing to you
• Tell you who will be handling your concern
• Aim to give you a full response within 10 working days. If we cannot meet this commitment, we'll keep you advised of progress and the options available to you at regular intervals
• Explain the next steps if we're unable to reach an acceptable resolution

What to do if you are still dissatisfied

Let us know as soon as possible if you remain unhappy

If the department handling your concern has been unable to resolve it to your satisfaction, you should write to:

Head of CarSelect
PO Box 250
Cardiff
CF10 5UD

They will review your concern and arrange for a reply to be sent to you. They will aim to provide a full response within 10 working days. In certain situations further investigation may be required, if so you will be advised of this and kept informed of the progress. The reply will outline your concern and the company's considered response and explain the next steps you can take if an acceptable solution is not agreed.

The Financial Ombudsman Service

The Financial Ombudsman Service can consider your concern if it relates to an agreement or activity regulated by the Consumer Credit Act 1974 (provided that you are not a limited company, large business, charity or trust). We will tell you if the Financial Ombudsman Service will be unable to consider your case.

The Financial Ombudsman Service provides consumers with a free, independent service for resolving disputes. Please remember that they will normally only consider your concern after you've been through our own procedures.

If you want to write to them, their address is:

The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR

You can telephone on: 0845 080 1800
E-mail enquiries to: financial-ombudsman.org.uk
Visit their website on: www.financial-ombudsman.org.uk

The Finance & Leasing Association

The Finance & Leasing Association also offers a free, independent service for resolving disputes. If you are not eligible for the Financial Ombudsman Service, for example if you are a limited company, you can write to them setting out your concern. Initially they will raise your concern with a senior official of the company and then offer an arbitrated service if the concern cannot be resolved.

If you want to write to them, their address is:

The Compliance Manager
Finance & Leasing Association
Imperial House
15-19 Kingsway
London
WCB 6UN

Please talk to us first

We are able to resolve most concerns we receive, so we hope you will always feel able to contact us first.

Also, please remember that the Financial Ombudsman Service or Financial & Leasing Association will usually only consider your concern once you've tried and failed to resolve it with us.

We have tried to make our website as clear and as accurate as possible

However we disclaim all express or implied warranties that this site is accurate, complete or up to date. We have no liability to you if it is not.

The fact that a car or service is shown on this site does not necessarily mean it is suitable for you.

It is your responsibility to check this. This also applies to other people's products or services linked to this site (if any).

We are not in any way responsible for anything mentioned on or linked to this site that someone else is marketing.

Typical examples:

• New Car - Credit provided by: Lloyds TSB CarSelect Limited

Personal Contract Purchase
Vehicle - RENAULT CLIO 3DR HAT 1.2 EXTREME 08
Our price	£8,705.90
Amount of Credit	£6,964.72
Deposit	£1,741.18
36 monthly payments	£142.63
Final payment	£3,067.51
Total amount payable	£9,943.37
8.4% APR (typical)

An excess mileage charge of 2.70 pence per mile is payable if annual mileage exceeds 10000 miles. Indemnities may be required in certain circumstances. Written quotations available upon request from Lloyds TSB CarSelect Limited, PO Box 250, Cardiff CF10 5UD.

• New Car - Credit provided by: Lloyds TSB CarSelect Limited

Personal Loan
Vehicle - Ford Fiesta 3dr Hat 1.25 Studio New
Our price	£8,253.62
Amount of Credit	£7,428.26
Deposit	£825.36
36 monthly payments	£234.82
Total amount payable	£9,278.88
8.9% APR (typical)

• Used Car - Credit provided by: Black Horse Limited

Hire Purchase rate of 6.30%
Cash price of vehicle	£6,495.00
Amount of Credit	£5,495.00
Deposit	£1,000
1st Instalment (inc £110 credit facility fee) of	£291.49
Followed by 34 monthly instalments of	£181.49
Final instalment (inc £65.00 Discharge fee)	£246.49
Total amount payable	£7,708.64
14.4% APR (typical)

Indemnities may be required. Written quotations available upon request from Black Horse Ltd, St. Williams House, Tresillian Terrace, Cardiff CF10 5BH.

Glass's Proprietary Consumer Used Car Valuation Data.

The cars covered by the valuation service are car models introduced into the UK market during the last 9 years. It will exclude cars under six months old. Cars outside Glass's age and mileage ranges, some specialist or limited edition cars, cars in short supply or rare models will not have a value.

Car prices are affected by many different factors such as regional variations, sales promotions, and a dealer's perceived view of the condition of a car. The amount quoted should be used as a guide only.

Glass's Consumer Retail will exercise all reasonable care and skill in providing their valuations, using information obtained in good faith from sources unconnected to Glass's Consumer Retail. Glass's Consumer Retail do not accept responsibility for errors, omissions, liability or loss suffered as a result of the use of the valuation by any user or any other party.

All valuations given are on a basis of a single transaction with a bona fide motor dealer, involving the sale of a car in part exchange for the purchase of a different car from the same dealer. They are not cash values, replacement prices, private sales values or insurance settlements, and therefore must not be used for any other valuation purposes.

Retail Price Description

The "dealer asking price" or "windscreen price" is not necessarily the price a consumer would actually pay, as it may be subject to negotiation, discount or an extra allowance on the value of your own car. It will also vary depending on any special offers applicable at the time, condition, length of warranty and any options and extras that may be fitted. The Glass's Consumer Retail valuation updates the consumer values on the first of each month while the cars displayed are valued by Lex Autolease Limited on an individual basis using up to date data at the time of advertisement.

You may use anything on our site only for your personal information and for this purpose you may print, copy, download or temporarily store extracts from this site. You must not alter anything. Any other use is prohibited unless you have Lloyds TSB CarSelect's written permission. In particular, no-one may use any part of the site on any other website, or link any other website to this site, without this permission.