Terms & Conditions
The website www.goodorbadcarcredit.co.uk (“the Site”) is a site operated by Cheshire Motor Traders Limited, trading as ‘Good or Bad Car Credit’ (“We, Us, Good or Bad Car Credit”). We are registered in The United Kingdom under company number 09360301, and our registered office address is Cheshire Motor Traders Ltd, Bridge Garage, 529 Wilbraham Road, Chorlton, Manchester, M21 0UE. We are a limited company authorised by the FCA. We act as a credit broker and not a lender.
The website www.goodorbadcarcredit.co.uk permits the user to provide personal data and information to Cheshire Motor Traders Limited so we can assist in providing a service.
It is your obligation to read these Terms & Conditions carefully. They protect you as a user of the Site and prevent the Site from being used for any illegal or unauthorised purposes. They also outline the parameters on which you are permitted to use the Site, and by accessing and continuing to use this Site, you agree to act in accordance with these Terms & Conditions.
By accessing web pages, you agree that you will access the contents solely for private use and not for any commercial or public use. Except as permitted within, you undertake not to copy, store in any medium (including in any other website), distribute, transmit, broadcast, modify, or show in public any part of the website, save for the purposes as laid out in these Terms & Conditions, without the prior written permission of Good or Bad Car Credit or in accordance with copyright law.
You must not, under any circumstances, attempt to gain unauthorised access to our site, the server on which our site is stored, or any computer, database, or server connected to our site. You must not seek to undermine the security of the site in any way. Without limitation, you must not attempt to alter or delete any information that you are not authorised to access, or attack our site.
Third-Party Websites
By using our website, you may be able to directly access third-party websites. We do not own, operate, or control such third-party websites and are not responsible for their content.
Website
We do our utmost to ensure that the information on the Site is accurate, reliable, and helpful. However, the information is general in nature and is intended as a guide only to the types of products and services offered.
All vehicle descriptions are supplied by dealers; therefore, Good or Bad Car Credit shall not be held responsible for any related errors or omissions on pricing or vehicle descriptions. Good or Bad Car Credit reserves the right to refuse a sale or adjust any details up until an order has been received in writing from the customer at an agreed price set by Good or Bad Car Credit.
Any loan or other product or service you obtain via the Site will be subject to the terms and conditions of the relevant product provider. Before proceeding with any loan or other product or service with the product provider, you should read its terms and conditions carefully and, where appropriate, take independent advice.
Disclaimer/Liability
The Site and the information supplied for use with it have been obtained from sources believed to be reliable and accurate at the date of publication. We make no representation or warranty, express or implied, as to its accuracy or completeness. No independent verification has been undertaken concerning the information supplied.
Neither the Site nor the information derived from it constitutes an offer by Good or Bad Car Credit. Prices contained within the site and/or Quotations obtained are subject to confirmation. We reserve the right to decline any proposal. No contract will be binding on Good or Bad Car Credit unless it is in writing and signed by a duly authorised representative of Good or Bad Car Credit.
Any photographs and colours used on the Site are for illustrative purposes only and do not form part of any contract, nor do we accept ownership of the photos.
Neither Good or Bad Car Credit nor its directors, representatives, or employees accept any liability whatsoever for any direct, indirect, or consequential loss howsoever arising from the use of this Site and the information supplied in connection therewith.
By using the Site, the user further agrees to indemnify and hold us harmless from any and all claims, expenses, and liability of any kind arising out of or in connection with any use of the Site.
The Site contains links to other websites. When you activate any of these links, you will leave the Site, and we accept no responsibility for the availability or content of any linked websites or for any loss or damage that may arise from your use of them. The links are provided for your convenience, and any such link does not imply endorsement by us of a website or any association with the operators of a website.
To apply, you must be at least 18 years old and a UK resident (excluding the Channel Islands and the Isle of Man). Car finance is also subject to personal circumstances.
In assessing your car loan application, we will make enquiries about you by searching your records held by Equifax Plc and/or Experian Ltd and other public references such as Google. You consent to us disclosing details of your finance application, and we may use a ‘credit scoring’ or other automated processes in deciding whether to accept your application. Your information may also be sent to third parties such as Moneybarn Ltd, The Funding Corp, Oodle, RAC, Blue Motor Finance, Shawbrook Bank, Creditas Financial, for further loan/insurance options. Loan offers will be valid for 30 days.
£1000 Part Exchange
Vehicle Part Exchange Terms and Conditions
This offer for a minimum part-exchange value of £1000 is subject to the following conditions:
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Cars Supplied by Good or Bad Car Credit
Cars supplied by Good or Bad Car Credit will be covered by a car warranty for a minimum of 6 months. It is the customer’s responsibility to be fully aware of the parts not covered by the car warranty (if any). The car is supplied on the basis that the client understands Good or Bad Car Credit will not rectify or compensate for any car repairs outside of the car warranty.
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Data Control, Fees, and Further Details
If you have a complaint, please follow the complaints procedure available on our complaints page.
If 8 weeks have passed since making your complaint and you are still not happy, you may contact the Financial Ombudsman Service (FOS). On 0300 123 9 123 or 0800 023 4567. We are governed by UK and EU laws and registered with the Financial Conduct Authority under reference 747045.
Cancellation Policy
The customer has 14 days from the date of funding to cancel the agreement with no penalty. If the car is delivered, the customer has 14 days from the day of delivery to cancel without penalty under the Distance Selling Act. The vehicle supplier has the right to claim reasonable compensation for any true costs incurred.