Terms and Conditions

ATTENTION:
This legal notice applies to the entire contents of this website under the domain name www.first4logbookloans.co.uk (Website) and to any correspondence by e-mail between us and you. Please read these terms carefully before using this Website. Using this Website indicates that you accept these terms regardless of whether or not you choose to register with us. If you do not accept these terms, do not use this Website.

1. INTRODUCTION
1.1 You may access most areas of this Website without registering your details with us. The information on this Website is intended solely to provide general information on logbook loans.
1.2 By accessing any part of this Website, you shall be deemed to have accepted this legal notice in full. If you do not accept this legal notice in full, you must leave this Website immediately.
1.3 first4logbookloans may revise this legal notice at any time by updating this posting. You should check this Website from time to time to review the then current legal notice, because it is binding on you. Certain provisions of this legal notice may be superseded by expressly designated legal notices or terms located on particular pages at this Website.

2. LICENCE
2.1 You are permitted to print and download extracts from this Website for your own use for the sole purpose of reading or seeking information from it on the following basis:
(a) no documents or related graphics on this Website are modified in any way;
(b) no graphics on this Website are used separately from accompanying text; and
(c) first4logbookloans’s copyright and trade mark notices and this permission notice appear in all copies.
2.2 You may not copy, distribute, transmit, display, perform, reproduce, publish, licence, create derivative works from, transfer or sell any information, products or services appearing on this Website.
2.3 Unless otherwise stated, the copyright and other intellectual property rights in all material on this Website (including without limitation photographs and graphical images) are owned by first4logbookloans or its licensors. For the purposes of this legal notice, any use of extracts from this Website other than in accordance with paragraphs 2.1 and 2.2 above for any purpose is prohibited. If you breach any of the terms in this legal notice, your permission to use this Website automatically terminates and you must immediately destroy any downloaded or printed extracts from this Website.
2.3 Subject to paragraph 2.1, no part of this Website may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service other than temporarily as one single copy in the cache of your computer in the course of using the Website without first4logbookloans’s prior written permission.
2.4 Any rights not expressly granted in these terms are reserved.

3. SERVICE ACCESS
3.1 While first4logbookloans endeavours to ensure that this Website is normally available 24 hours a day, first4logbookloans shall not be liable if for any reason this Website is unavailable at any time or for any period.
3.2 Access to this Website may be suspended temporarily and without notice in the case of system failure, maintenance or repair or for reasons beyond first4logbookloans’s control.

4. VISITOR MATERIAL AND CONDUCT
4.1 Other than personally identifiable information, which is covered under the Privacy Policy, any material you transmit or post to this Website shall be considered non-confidential and non-proprietary. first4logbookloans shall have no obligations with respect to such material. first4logbookloans and its designees shall be free to copy, disclose, distribute, incorporate and otherwise use such material and all data, images, sounds, text and other things embodied therein for any and all commercial or non-commercial purposes.
4.2 You are prohibited from posting or transmitting to or from this Website any material (including but without limitation):
(a) that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience; or
(b) for which you have not obtained all necessary licenses and/or approvals; or
(c) which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in the UK or any other country in the world; or
(d) which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data).
4.3 You may not misuse the Website (including, without limitation, by hacking).
4.4 first4logbookloans shall fully co-operate with any law enforcement authorities or court order requesting or directing first4logbookloans to disclose the identity or locate anyone posting any material in breach of paragraph 4.2 or paragraph 4.3.

5. LINKS TO AND FROM OTHER WEBSITES
5.1 Links to third party websites on this Website are provided solely for your convenience. If you use these links, you leave this Website. first4logbookloans has not reviewed all of these third party websites and does not control and is not responsible for these websites or their content or availability. first4logbookloans therefore does not endorse or make any representations about them, or any material found there, or any results that may be obtained from using them. If you decide to access any of the third party websites linked to this Website, you do so entirely at your own risk.

6. DISCLAIMER
6.1 While first4logbookloans uses reasonable endeavours to ensure that the information on this Website is correct, first4logbookloans does not warrant the accuracy and completeness of the material on this Website. Gfirst4logbookloans may make changes to the material on this Website, or to the services described in it, at any time without notice. The material on this Website may be out of date, and first4logbookloans makes no commitment to update such material.
6.2 The material on this Website is provided “as is”, without any conditions, warranties or other terms of any kind. Accordingly, to the maximum extent permitted by law, first4logbookloans provides you with this Website on the basis that first4logbookloans excludes all representations, warranties, conditions and other terms (including, without limitation, the conditions implied by law of satisfactory quality, fitness for purpose and the use of reasonable care and skill) which but for this legal notice might have effect in relation to this Website.
6.3 The material on this Website does not constitute advice of any kind, whether financial or otherwise. By using this Website you confirm that you have not relied on its content as advice on any specific matter.

7. LIABILITY
7.1 first4logbookloans, any other party (whether or not involved in creating, producing, maintaining or delivering this Website), and any of first4logbookloans’s group officers, employees, or agents of any of them, exclude all liability and responsibility for any amount or kind of loss or damage that may result to you or a third party (including without limitation, any direct, indirect, punitive or consequential loss or damages, or any loss of income, profits, goodwill, data, contracts, use of money, or loss or damages arising from or connected in any way to business interruption, and whether in tort (including without limitation negligence), contract or otherwise) in connection with this Website in any way or in connection with the use, inability to use or the results of use of this Website, any websites linked to this Website or the material on such websites, including but not limited to loss or damage due to viruses that may infect your computer equipment, software, data or other property on account of your access to, use of, or browsing this Website or your downloading of any material from this Website or any websites linked to this Website.
7.2 Nothing in this legal notice shall exclude or limit first4logbookloans’s liability for:
(a) death or personal injury caused by negligence (as such term is defined by the Unfair Contract Terms Act 1977); or
(b) fraud; or
(c) misrepresentation as to a fundamental matter; or
(d) any liability which cannot be excluded or limited under applicable law.
7.3 If your use of material on this Website results in the need for servicing, repair or correction of equipment, software or data, you assume all costs thereof.

8. GOVERNING LAW AND JURISDICTION
This legal notice shall be governed by and construed in accordance with English law. Disputes arising in connection with this legal notice shall be subject to the exclusive jurisdiction of the English courts.

 

 

Logbook Loan Representative example:


Total amount of credit Total amount repayable %APR representative Fixed annual interest rate Duration Instalments
£850 £2,533 450.5% 132% 18 months 17 x £140.72
1 x £140.76

First4LogbookLoans are a broker and not a lender who refer customers to other brokers or lenders that are authorised and regulated by the Financial Conduct Authority. When taking out a logbook loan, the logbook is held and owned by the lender until the loan is re-paid

However, interest is charged monthly and you should not be penalised for early settlement. If you repaid the loan in one month it would cost you just £93.50 and nothing more. Logbook loans are secured against your vehicle and subject to affordability.

There are no setup fees when you take out the loan, nor is there any charge for settling early. You may however incur charges if you fail to make your payments on time. Any late payment charges will be clearly set out in the agreement you sign with the lender and will be explained to you fully before you take out the agreement.

All loans granted subject to affordability. Proof of income will be required.
A Log Book loan is secured against your vehicle, which may be repossessed if you do not make payment.
Late or missed payments may incur a charge for chasing letters and telephone calls. Over 18’s only, T&Cs apply.
Lenders abide by the CCTA voluntary Code of Practice.
We do not have a renewal policy.