We are Bay Vehicles Limited trading as Bay Vehicles. Bay Vehicles Limited is a company registered in England no 06603050 whose registered office and trading address is at 30 Kingsland Road, Canton, Cardiff, South Glamorgan, CF5 1HU.
We are a Franchisee of the Bridle Group which is a trading division of Hanborough Enterprises Ltd to whom we introduce our business under our Franchise Agreement. We are an Appointed Representative of Hanborough Enterprises Limited who is authorised and regulated for consumer credit activities and insurance distribution by the Financial Conduct Authority. Our Firm Reference Number is 498883. Hanborough Enterprises Limited’s Firm Reference Number is 631448. You can check this information at www.fca.org.uk
Bay Vehicles Limited is registered with the Information Commissioners Office for the processing of data and our Data Protection Registration number is ZA151133. You can check this information at www.ico.org.uk
We are a broker member of the British Vehicle Rental and Leasing Association and abide by their Code of Conduct. For further information visit www.bvrla.co.uk
We are a credit broker of vehicle finance. We are not a funder or lender.
We are independent credit brokers and work with a select panel of funders, through our Franchisor, Hanborough Enterprises Ltd T/a Bridle Group. Through our Franchise the services that we can offer to you include:
Some of the services that we provide are not regulated by the Financial Conduct Authority. You will be advised in advance of any such proposal or service.
We recognise that it is important for customers to be able to shop around for credit and alternative sources of credit and ancillary products and services.
The information, service and products on this website are intended for use by residents of the UK only, and are not aimed at or intended for use by residents of any other jurisdiction.
This website is designed to be accessed through its principal product home pages and such other pages as we may decide. If you access the site through individual pages directly, which are designed for this purpose, you may not see important information which is relevant to a full understanding of our products and services. You will be referred on certain site pages to read Important Information. This will contain important product details and relevant legal or regulatory information and should be read in conjunction with the relevant site pages.
Whilst we have taken all reasonable steps to ensure the accuracy and completeness of the information on this website, we give no warranty and make no representation regarding the accuracy or completeness of the content of this website. Consequently, we accept no liability for any losses or damages (whether direct, indirect, special, consequential or otherwise) arising out of errors or omissions contained in this website. Further, no warranty is given that the website shall be available on an uninterrupted basis, and no liability can be accepted in respect of losses or damages arising out of such unavailability. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties.
Access to and use of this website is at the user's own risk and we do not warrant that the use of this website or any material downloaded from it will not cause damage to any property, including but not limited to loss of data or computer virus infection.
Nothing in these terms and conditions shall exclude or limit our duties and liabilities under any applicable legislation or any conduct of business rules which we are bound to comply with. Further, nothing in these terms and conditions shall attempt to exclude liability for death or personal injury or for fraudulent misrepresentation.
This website contains links to other websites which are hosted and maintained by third parties. We have no control over the content or security of any such site. You link to such sites at your own risk, and we make no representations regarding the content of any such website. We cannot be liable for any loss or damage which may arise from the use of such third-party websites.
Although we endeavour to ensure that all pricing information on our website is accurate, occasionally an error may occur, and vehicle pricing, finance examples and other goods and services may be mis-priced or misrepresented. If we discover a pricing error we will, at our discretion, either contact you and ask you whether you wish to cancel your order or continue with the order at the amended price; or notify you that we have cancelled your order. We will not be obliged to supply vehicles or other goods and services at the incorrect price.
Prices that are reduced for sales and promotions are only valid for the specified period. We reserve the right to adjust prices, offers, finance figures, goods, services and the specifications of vehicles and other goods on the website at our discretion at any time before (and after) we accept your order.
All prices on our website are in UK Pounds Sterling and for mainland UK customers are exclusive of the relevant VAT for business transactions and inclusive of vat for consumer transactions.
The vehicle specifications and pricing displayed on our website are supplied by an independent, industry leading data provider which is downloaded directly into our website. Whilst every effort is made to verify and ensure the accuracy of the information given, the information should only be used as a guide.
Images of vehicles, (model and derivative), accessories and/or paint and interior colours are for illustration purposes only and may not be exact. Please check this independently to satisfy yourself before placing an order.
We will supply you with a quotation which is based on the information and from our panel of finance providers which include the supply of the goods plus any relevant taxes and vat and the funder’s cost of funds at that time. The finance company has the right to change or decline these quotes on receipt of the full proposal. Following acceptance of a proposal, the funder retains the right to withdraw their offer of finance and/or may increase the cost of the finance due to changes in cost of funds or for the supply of the goods.
We will supply you with a quotation which is based on the manufacturer’s retail pricing including any optional extras or accessories, delivery charge, value added tax, road fund licence and first registration fee as confirmed by our vehicle supplier at that time. We cannot be held responsible for any increases in cost from the point of confirmed order to the point of delivery. In the event of a price increase we will notify you as soon as possible but any such increase will be passed on to you.
We may receive payment and/or other benefits from a finance provider if you enter into an agreement with them. You are entitled to request information regarding any payment which we may have received resulting from your placement of finance with a funder. A copy of our Commission Disclosure Policy is available on request.
If through exceptional circumstances we or any of our Directors or other customers has a material interest in business you ask to be transacted for you, we will make you aware of the conflict of interest and we will obtain your consent before your instructions are carried out. A copy of our Conflicts of Interest Policy is available on request.
We always aim to treat you fairly. This means that we will always endeavour to:
You can read our Treating Customers Fairly Policy on our website or may request a copy from us.
If you wish to register a complaint, please contact us by
Phone: 02920 226406
Writing to: Bay Vehicles Ltd, 30 Kingsland Road, Canton, Cardiff, South Glamorgan, CF5 1HU
You can read our Complaints Procedure on our website www.bayvehicles.co.uk/complaints-procedure or request a copy from us. If you are an ‘Eligible Complainant’ as defined by the Financial Conduct Authority you may be entitled to refer any complaint against us to the Financial Ombudsman Service. We will give you full details of how to contact the service at the appropriate time.
So that we may fulfil our responsibilities to you, you must:
We are registered under the Data Protection Regulations and abide by the requirements of the regulations. The information we receive from you is used to provide quotations and to arrange finance with a funder or to provide ancillary products. We will always ask for your permission before sharing any information with a third party and you have the right to cancel your authority to use such information. In order that they may assess your suitability for credit, finance providers and some other service providers will make a search with a credit reference agency and this will leave a footprint on your credit file. If you are a company or partnership, they will also make enquiries about the director(s) or partners with a credit reference agency. Some funders and service providers may carry out searches periodically after inception of an agreement if they supply a credit line. Full details of the use and disclosure of your information by the finance or service provider is contained within the terms and conditions of any agreement which you should read before signing.
We are required to verify your identity in accordance with the Proceeds of Crime Act 2002 (POCA) and the Money Laundering Regulations 2007.
Definitions: You/Your is the Customer. We/Us/Our is Bay Vehicles Limited.