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What do I do if my car breaks down?
If your car breaks down during the term of your PCP Plus contract, you can call AA Breakdown Assistance. Please note that the AA will not be able to assist you once you have reached the end of your three or four year PCP Plus contract unless you have made arrangements directly with the AA to do so. You can find more information about this in your documentation provided by Marshall Motor Group Ltd and the AA including the number to call should you require it.
What happens if I have an accident?
If you are unfortunate enough to be involved in an accident you’ll need to contact your insurance provider immediately so they can confirm the next steps. Once you’ve done this, and you are safely out of harm’s way, please call the AA who will provide assistance with recovering the vehicle. It is important that you then advise Northridge Finance that an incident has taken place.
Who is my warranty provided by?
The car you have selected may still have the benefit of the original manufacturer’s warranty. If this is the case, you will be covered by the remaining manufacturer’s warranty for a period of at least twelve months. On expiry, the warranty is then provided by Marshall Motor Group Ltd for the remaining term of your PCP contract. If you have any questions Please contact the supplying Marshall Dealership.
How long does the manufacturer's warranty last?
Manufacturers provide a minimum of 12 months warranty depending on the age and make of your car and Marshall Motor Group Ltd will provide the warranty for the remaining duration of the PCP, (24 or 36 months) depending on the duration of your contract. This is detailed in your documentation provided by the dealership.
Up to what value does my warranty cover?
With Marshall Motor Group Ltd Warranty there are no limits to the number of claims you can make; up to the original purchase price of your vehicle.
What is the number I should call if I have questions about the warranty of my car?
You can find more information about this in your documentation, provided by Marshall Motor Group Ltd when you pick up your car. This includes details of both the Manufacturer’s Warranty and the Marshall Motor Group Ltd Warranty.
Who is my LifeShine provided by?
LifeShine protection is provided by Marshall Motor Group Ltd but this is an Autoglym product. LifeShine is the complete vehicle protection system that is professionally applied at the dealership to your car’s paintwork, upholstery and glass. It offers you peace of mind by protecting your car from the day you take delivery for the lifetime of ownership, (Terms and conditions apply). If you have any questions please contact the supplying Marshall Dealership.
Does my LifeShine protection cover interior as well as exterior?
The LifeShine protection covers the paintwork, the glass exterior (excluding the windscreen) and the interior of the car (predominantly carpets, seats and boot). LifeShine is the complete vehicle protection system that is professionally applied at the dealership to your car’s paintwork, upholstery and glass.
Who should I contact if I have questions about the LifeShine Protection of my car?
You can find more information about this in your welcome pack. The email contact for your LifeShine protection is [email protected]. Please quote your 16 digit Guarantee. If you have any questions please contact the supplying Marshall Dealership.
30 Day Exchange
Who is my 30 day exchange provided by?
The 30 day exchange is provided by Marshall Motor Group Ltd if you have any questions please contact the supplying Marshall Dealership.
Who should I contact if I have questions about exchanging my car?
You can find more information about this in your documentation provided by Marshall Motor Group Ltd when you collect your car, and any questions should be directed to the dealership where the car was purchased.
What happens if I want to exchange my car after the 30 days?
The exchange is only offered within 30 days after you receive your car.
Who are my Servicing Costs covered by?
The service plan provided by Marshall Motor Group Ltd and further details are within the documentation provided when you purchased your car including a list of inclusions and exclusions. If you have any questions please contact the supplying Marshall Dealership.
What happens if I miss a service?
Under terms of the Warranty provided within PCP Plus, Serviceable Parts will not be covered should you miss a service. Non-Serviceable Parts will be covered should a service be missed.
Does this include both Major and Minor servicing?
Yes both types of service are included in the cover.
What is the number I should call if I have questions about my Servicing?
You can find more information about this in your documentation provided by Marshall Motor Group Ltd when you purchased your car and any questions should be directed to the dealership where the car was purchased.
Who conducts the history check?
The car history check is provided by the Marshall Motor Group Ltd if you have any questions please contact the supplying Marshall Dealership.
Signing up to PCP Plus
Is PCP Plus available nationwide?
At the moment PCP Plus is available in England and Wales only.
What documentation do I need to provide?
In order to assess your eligibility for credit we may need to see proof of identification (such as a valid UK driver’s licence or passport) and possibly confirmation of address.
Is car insurance included?
No – before you take ownership of your car, you’ll need to arrange a full comprehensive insurance policy in your own name, along with any additional drivers listed on the insurance document.
Is road tax included?
No – you are always responsible for taxing the vehicle.
What options are available to me at the end of my agreement?
You have 3 options available to you at the end of the agreement.
- You can part exchange and use any equity for a deposit on a new car
- You can return the car*
- You can keep the car and pay off the outstanding finance amount known as the balloon payment value or optional final payment.
*Subject to term & conditions detailed in the documentation provided by Northridge Finance. This includes reference to annual mileage limits and general “wear and tear” in relation to your PCP Plus contract.
What if I settle my finance early?
You will retain the benefits for each of the components of PCP Plus for the original duration of the PCP Plus Contract. These benefits are not transferable between vehicles or any other party and will cease on transfer of ownership, sale, and disposal or at the end of the contract, whichever is earlier.
Can you deliver my car?
We can deliver the car to the nearest available Marshall Motor Group Ltd Dealership but unfortunately not to your home address.
Driving my car
What does ‘good condition / fair wear and tear' mean?
As part of your responsibilities under your PCP agreement the goods must be properly maintained and in good condition, subject to fair wear and tear. Please see www.bvrla.co.uk/fleet-services/product-listing-page.html for further details including information on fair wear and tear*.
If you choose to return the vehicle, please ensure that all keys, documents and accessories are also returned; otherwise you may have additional costs and fees to pay.
*Northridge Finance is not a full member of the BVRLA. The BVRLA dispute handling and conciliation services do not apply. Copies of the BVRLA Fair Wear and Tear Guides are available on request from Northridge. This is included within documentation provided by Northridge when you contract is signed.
What is my permitted annual mileage?
We will agree your annual mileage with you at the beginning of your contract, with a minimum mileage of 9,000 and a maximum of 15,000 miles per annum. Should the maximum mileage be exceeded then the vehicle service and warranty provisions will be restricted to your Personal Contract Purchase Agreement contracted mileage and an excess mileage charge may be payable.
My mileage cap is too low / I drive more miles than originally estimated – can I change my agreement /repayments to reflect this?
By way of background, your monthly repayments and the residual amount would have been calculated on basis of information provided at application stage. The residual value is affected by the number of miles driven – the higher the mileage, the lower the value. The mileage cap is fixed at the outset of the agreement and cannot be changed.
Who's responsible for paying any fines incurred on the vehicle?
Any parking, congestion charges or other fines incurred by you while using the vehicle will be your responsibility (as set out in the terms and conditions).
Can I take my car abroad?
Yes. You’ll need to contact Northridge so they can arrange a VE103 (vehicle on hire) certificate. Full details are contained within the documentation provided by Northridge Finance for your PCP Plus contract.
Please note that Breakdown Assistance is only valid in the UK.
What if I get behind with my payments?
It’s important that you make sure you are able to afford the monthly payments before taking out the agreement. If you are experiencing financial difficulties it is important that you contact Northridge Finance immediately to discuss your options. If you fall behind with your payments or require more information please refer to your Northridge Welcome Pack.
You should note that any missed payments could have an impact on your credit rating and the following fees may apply:
- Letter - £5
- Missed Payment - £10
Can I change the date of my direct debit?
We’ll work with you to make sure your direct debit date suits you.
See: www.northridgefinance.com/about-us/faqs/ for further details.
Can I settle my finance agreement early or make overpayments?
Yes, you can settle your finance agreement early or make overpayments. Full details can be found at www.northridgefinance.com/customer-tool-kit/make-a-payment/partial-settlements-over-payments
Right to Withdraw from the PCP Agreement
Your PCP agreement allows for you to withdraw from the financing element of the contract for a period of 14 days after signing your agreement. This is further explained within the documentation provided by Northridge. Should you choose to withdraw from the PCP agreement the Servicing, Warranty and Breakdown elements of your purchase will not be provided.
Can I appeal the decision if I have been declined for finance?
If you are unhappy with our decision you can ask us to reconsider by telephoning us on 0800 917 0931*, although you should be aware that we cannot give any guarantees that our original decision will be changed.
If you have any additional, relevant information, to support your appeal, which was not given to us when you first made your application please email to [email protected] ** or send with your application details to:Northridge Finance
5th Floor, Bank of Ireland
1 Donegall Square South,
Belfast BT1 5LR
Applications are declined for various reasons. Decisions are made on one or more of the following: our current lending conditions, information provided by you and information obtained from the credit reference agency Equifax, and on occasion Experian UK.Equifax Ltd
Customer Service Centre
PO Box 10036
Consumer Help Service
PO Box 8000