Your questions answered

If Nationwide Capital Finance provides you with a Lease Agreement and you have a question, we will be happy to help you.

For queries about your lease agreement terms, payments, direct debits, invoices, account detail changes or if you need a copy of your finance agreement, please contact us by phone on 01204 303 303 or via our web form.

We have also provided a selection of the most common FAQ’s below to help you navigate through any issues and help you understand your lease agreement.

Frequently asked questions

• Can I change the details of my lease agreement?
• What happens at the end of my finance agreement?
• Can I cancel my agreement & what are the early settlement terms?
• Can I part pay my lease agreement to reduce my costs?
• What if the equipment I purchased with the finance agreement doesn’t work?
• I have missed a payment – will I be charged a fee?
• How can I pay if I miss a monthly payment?
• What fees could I be charged?
• Customer Services
• I would like to make a complaint

Answers to our FAQs

Can I change the details of my lease agreement?
If you need to advise us of changes to your finance agreement, such as:

• Change of address details;
• Change of contact details;
• Change of legal entity (novation);
• Change of bank details.

Please call us on 01204 303 303 or contact us via our web form.

It is very important you notify us if you change any details or location of the goods throughout the term of hire. We own the assets throughout the period of hire, and we need to be fully disclosed of all information surrounding the goods location and contracted company details.

What happens at the end of my finance agreement?
If the agreement is a minimum term – the lease will continue until you provide three month’s written notice that you wish to terminate the agreement. Upon expiry of such notice, you must return the equipment in accordance with the terms of the agreement. If you would like to retain the items for continued use of the equipment, please contact us so we can discuss your options.

Can I cancel my agreement & what are the early settlement terms?
All agreements can be terminated early. If you wish to do so, please email your request and we will supply you with a settlement quotation. Settlement terms include payment of all future rentals which would otherwise have fallen due from the point of settlement until the expiry of the agreement, less an applicable discount for early receipt, plus any fees. Please note that early settlement of the agreement does not automatically transfer ownership of the equipment to you.

Can I part pay my lease agreement to reduce my costs?
There is a certain amount of flexibility within the agreement to part settle, part upgrade or vary the lease agreement to match your changing circumstances. All of this depends on the situation at the time. You could remove an asset and pay off that portion of the agreement or pay a deposit to reduce the outstanding balances and your future lease payments will be reduced accordingly. Please feel free to contact our customer service team on 01204 303 303 or by using our web form to discuss and review any options you may want to explore.

What should I do if the equipment I purchased with the finance agreement doesn’t work?
Please contact the original equipment supplier or maintenance provider directly. Please note we are not a hardware repair agent or service provider, even if we collect maintenance payments on behalf of a service provider alongside the regular payments. If the original equipment supplier or maintenance provider is no longer trading, we would advise you to find an alternative support partner for the equipment. In this instance we may be able to assist you through our pool of suppliers but please note we are under no obligation to do this.

I have missed a payment – will I be charged a fee?
If you miss a payment you may have to pay a default fee. Please see the terms and conditions on your credit agreement to find out more. It is very important you advise us of any change in details, such as bank account to avoid any administration fees or late payment fees.

How can I pay if I miss a monthly payment?
You can pay for your lease via

• Direct Debit;
• Bacs;
• Business Card/debit;
• Standing Order;

What fees could I be charged?
The terms and conditions of your agreement with us outline the fees you may be charged and could include:

• Facility fee – for setting up your credit agreement;
• Cancellation fee – if you cancel your credit agreement;
• Default fee – if you miss a payment;
• Fee for moving a payment – if you move the date that your instalment comes out of your bank account.

Customer Services
We are a Business-to-Business lender and will work with all our customers to find satisfactory outcomes to issues as they arise. We are committed to providing you with the highest level of customer service, but sometimes things do go wrong. We welcome the opportunity to put things right for you, so please get in touch.

Once we’ve dealt with your complaint, we’ll go back and see what we can learn from your experience. Rest assured, if possible, we will try to accommodate any reasonable requests.

I would like to make a complaint
If you are not satisfied and have a complaint about an agreement you have with us or a poor service you have received , please complain to us first by calling 01204 303 303 and/or writing to us at:

Operations Director
Nationwide Capital Finance Ltd
Nationwide House,
Moss Bank Way,
Bolton
BL1 8NP.

We will acknowledge your complaint and write to you within 8 weeks either confirming our final position or explaining why we are unable to do so.