Our cars are priced in line with market trends, various book values, supply and demand and the risk we take offing our vehicles over the 12 month period on offer.

Our contracts are legally based on a strict 12 month period and no more than 12 payments within that timeframe.

We cannot legally allow our contracts to exceed 12 months, therefore it does mean the monthly payments can be high. Please ensure YOU can afford the payments before entering the agreement.

Unfortunately NOT, we do not take requests, the vehicles for sale change on a daily/weekly basis, please keep an eye on the website.

Yes of course, call us on 01200 871068 or email us at [email protected] we will be happy to email you a copy of our sales agreement.

NO, we are not authorised by the Financial Conduct Authority, this is because our agreements fall outside the scope of the FCA. Please see attached our exemption certificate and the full explanation as why our agreements fall outside the scope of the FCA..

 Explanation of FCA .pdf
  MUBIAO LIMITED.pdf

Yes, our contracts are fully legal, as the FCA website states, we have taken independent legal advice and have had our contracts drawn up by a contract lawyer in Manchester. The law firm is
BBS LAW LIMITED
First Floor
The Edge
Clowes Street
Manchester
M3 5NA

Without beating around the bush, YES our contracts are very strict and so are the payment terms, as described above we are strict with our term of the contract and amount of payments. If a payment is missed we will charge you 5% of the payment as a missed charge, this charge along with your missed payment is due within 7days. Failing to make that payment will result in legal action being taken which could lead to bankruptcy proceedings being issued. You can also request to hand the car back to us to cover the agreement and end it. PLEASE ENSURE YOU CAN MAKE THE PAYMENTS ON TIME AND YOU CAN AFFORD IT.

The logbook is transferred into your name at the end of the agreement, whilst in our possession you will be liable for all speeding, traffic, parking and any other vehicle related fines etc.

As stated in the contract we may carry out a credit search.

We need to know who you are and give us some peace of mind you are earning and insuring the car. Providing us with your licence, proof of income and insurance documentation gives us this peace of mind.

All stock advertised on the website is owned by Mubiao Limited.

Payments are made by direct debit or direct transfer not our bank account.

All are cars come with a 12 month MOT and 3mths warranty.

Yes you do, after all 12 payments are made, you are the owner, the spare key, V5 and 1/3 party interest in the vehicle are handed back and removed.