Finance

If you're concerned about being able to pay your monthly rentals due to a change in your personal circumstances, please speak to your HR team in the first instance (for those on company car schemes). if you're a private lease customer or have a LeasePlan vehicle through a broker, please speak to your customer services team. You may also find the below links helpful.

Experian credit report line: 0344 481 8000

National Debtline: www.nationaldebtline.org or freephone 0808 808 4000

StepChange Debt Charity: www.stepchange.org or freephone 0800 138 1111

**Payplan: **www.payplan.com or freephone 0800 280 2816

Citizens Advice online: www.citizensadvice.org.uk/

Civil Legal Advice: www.gov.uk/civil-legal-advice or call 0845 345 4345. This call may be charged. You can also text ‘legalaid’ and your name to 80010 for a call back.

Tax and Benefits Help online: www.gov.uk

Housing & Local Services: https://www.gov.uk/repossession/getadvice

Financial Conduct Authority: www.fca.org.uk

**Shelter: **www.shelter.org.uk or freephone 0808 800 4444

**Local Authority for re-housing help online: **www.gov.uk

Turn2us: www.turn2us.org.uk or freephone 0808 802 2000

**Moneyhelper: **www.moneyhelper.org.uk or call 0800 138 7777 (+7701 342 744 for Whatsapp chat).

Money Advice Scotland: www.moneyadvicescotland.org.uk

Advice NI Northern Ireland: www.adviceni.net or call 0800 9154604

AdviceUK Debt - advice including specialist advice for minority communities and people with disabilities - visit www.adviceuk.org.uk or call 0300 777 0107

National Debtline - www.nationaldebtline.org or freephone 0808 808 4000

Business Debtline for self-employed and small businesses - www.businessdebtline.org or call 0800 197 6026

StepChange Debt Charity - www.stepchange.org or freephone 0800 138 1111

Please contact your customer service team on 0345 250 0000 who will arrange any changes for you.

No. If you cancel your direct debit, this can create issues if we need to restart it later as some banks won't start a direct debit again within six months to protect you from illegal activity.

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  Take your car’s P11D value which is made up of the list price (inc VAT) plus any factory fit options and the delivery charge.
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  Multiply the P11D value by the vehicle's company car tax rate from a sliding scale depending on the car’s official CO2 output to establish your Benefit in Kind amount (BIK) – please see below for the link to the car fuel and emissions data.
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  Multiply that BIK amount by your personal tax rate (20%, 40% or 45% ) to get your company car tax payable.

Here’s a vehicle we have calculated for you:

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  Taxable list price of the vehicle incl VAT is £26,550 x 0.21 (CO2 130 band) = £5575.00. Let’s assume your tax rate is 20%, £5575.00 x 0.20 = £1,150.10, £1,115.10 / 12 = £92.93. The Benefit in Kind is £92.93 per month.

For LCVs, the cost of tax is set at £3150.00 per annum. Car fuel and emissions data

For further advice, speak to your local tax office or visit the HRMC Website. Information partly sourced from www.gov.uk

The first direct debit will come out of your account 14 days after your vehicle has been delivered.

You should always discuss your options for sourcing vehicles with your accountant as tax implications can be different for individuals.

For example, LTD companies, partnerships & sole trader businesses can lease a vehicle through their business; however, if you're a director of a limited company, you may prefer to lease a car personally depending on the prevailing company car tax rates. Sole traders and small partnerships do not pay company car tax. All business subscriptions exclude VAT.