Ventura Collection

VC’s Terms & Conditions

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Access to – Terms & Conditions
Access to is subject to the following terms and conditions. Please take the time
to read through these before continuing to use

When you visit, your continued access to the website implies your acceptance of all the terms and conditions governing its use, as well as the provided facilities and services. Please note that we reserve the right to modify these terms and conditions at any given time. It is your responsibility to stay updated on any changes that may occur. By using after modifications have been published online, you are acknowledging and agreeing to the revised terms and conditions.

In these Terms and Conditions:
“we/us/our” means Ventura Collection Limited trading also as VC
“You”/”your” means the user of the online services.

1. Access to
Access to is granted on a temporary basis, and we retain the right to withdraw or modify the services provided on the website without prior notice (see below). We shall not be held liable if, for any reason, our site becomes unavailable for any duration.

From time to time, we may restrict access to some parts of or the entire website,
to users who have registered with us.

2. Content
In consideration of our agreement to permit you to use to search our database of vehicles, you agree that you will only use, reproduce and print materials comprising the results of such searches for your own personal, non-commercial purposes.

The pages contained in may contain technical inaccuracies and typographical errors. The information in these pages may be updated from time to time and may at times be out of date. We accept no responsibility for keeping the information on these pages up to date or liability for any failure to do so.

The information contained in the material on is only for information purposes.

The material on does not constitute advice and you should not rely on any material on to make (or refrain from making) any decision or take (or refrain from taking) any action.

3. Copyright and Trade Marks
All rights, including copyright, in the content of these web pages and in the photographs of any vehicles
displayed on from time to time and all database rights in our database of vehicles, are owned or controlled for these purposes by us.

All trademarks, names, and logos are the proprietary marks of us. Marks identifying third parties are owned or licensed by those third parties or their associated companies. Nothing in these terms and conditions in any way confers on you any licence or right under any trade marks, names or logos.

We are not liable for any failure to perform any of our obligations under these terms and conditions caused by matters beyond our reasonable control.

Except as expressly permitted by these terms and conditions, you may not copy, reproduce, redistribute, download, republish, transmit, display, adapt, alter, create derivative works from or otherwise extract or reutilise any of the contents of In particular, you must not cache any of the contents for access by third parties nor mirror or frame any of the content of nor incorporate it into another website without our express written permission.

4. Liability
The material displayed on is provided without any guarantees, conditions or warranties as to its accuracy. Whilst every effort has been made to ensure the accuracy of information on this site, some errors may occur. It is important that you do not rely solely on this information but check with VC about any terms you feel will affect your decision to purchase a car. No liability is acceptable for loss or damage resulting from errors or omissions on

This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, or any other liability which cannot be excluded or limited under applicable law.

We will need to carry out routine maintenance and servicing of our servers and equipment from time to time. While we will seek to keep disruption to a minimum we cannot guarantee that will be continuously available online. We, therefore, provide on an “as is” and “as available” basis.

We make no warranty that (or websites which are linked to is free from computer viruses or any other malicious or impairing computer programs. It is your responsibility to ensure that you use appropriate virus-checking software.

We are not liable for any failure to perform any of our obligations under these terms and conditions caused by matters beyond our reasonable control.

5. Links to sites
Where contains hypertext links to websites that are not operated by us. We do not control such websites and are not responsible for their content. Our inclusion of hypertext links to such websites does not imply any endorsement of the material contained on the websites or of the owners.

6. Links to
You may establish a hypertext link to the home page of, but not otherwise, without the need for our written consent, provided there is thereby no implied endorsement or sponsorship of you, your company or your website by us.

7. General
We reserve the right to assign or subcontract any or all of our rights and obligations under these terms and conditions to a third party. If we exercise this right, we shall name the assignee or subcontractor on and you will be entitled to terminate the account within 5 working days. You may not without our prior written consent assign or dispose of any rights or obligations arising under these terms and conditions.

These terms and conditions of access together with our privacy policy contain the entire agreement and understanding between the parties relating to, and supersede any and all prior agreements, arrangements, statements and understandings, except for any fraud or fraudulent representation by either party. We exclude all representations and warranties relating to access to use of, whether they are statutory or otherwise, as far as is possible by law.

If any of these terms and conditions shall be held to be invalid or unenforceable, it shall not affect the enforceability of any of the remaining provisions.

These terms and conditions shall be governed by and in accordance with English law and subject to the exclusive jurisdiction of the English Courts.

If you do not agree to obey these terms and conditions you must stop using immediately

8. Correspondence
All correspondence relating to should be sent to:

Ventura Collection Limited
14 Dunsby Road, Milton Keynes, MK6 4AD
Registered Office: Ventura Collection Limited, 14 Dunsby Road, Milton Keynes, MK6 4AD
Registered in England with Company No. 14676285
VAT No. GB 434 5972 73

9. Test Driving a Car – Eligibility
For insurance purposes, to take a car for a test drive you must be at least 21 years old and have held a valid driving licence for over a year.

10. Purchasing and Collecting a Vehicle – Terms & Conditions
The collections procedure is subject to completion of the pre-delivery inspection and any repairs that may arise from it. A confirmation call/email or text will be sent as soon as the vehicle is ready for collection. If there’s likely to be a delay you will be contacted as soon as possible. Please allow at least one hour to collect your car.

Valid UK/EU Driving Licence including photo section OR Valid Passport AND 2 proofs of present address dated within the past 3 months are required for identification on every collection. (Bank Statement, Council Tax or Utility bills, excluding mobile phone).

11. Payment Methods
UK Visa Debit Cards, Metro Bank Mastercard Debit Cards, Direct Transfers, Bank Drafts and Building Society Cheques payable to Ventura Collection Ltd. Cash payments over £1,000 incur a 1% handling fee. VC only accepts up to £7,000 in cash.

Please note: unfortunately, we cannot accept credit card payments made towards the purchase of your car. However, credit cards are accepted for additional products i.e. Warranty cover and Vehicle Protection System (Supagard). We cannot accept Pre-paid cards including Monzo, Tide or Revolut.

12. External Finance
If you use an external finance company to pay for your car, there will be an external finance admin fee of £399 to cover administration costs. You will be able to add the external finance admin fee to the price of the car.

13. Vehicle Security
VC accepts responsibility that all vehicles are not subject to a category A,B,C or D insurance total loss, are not recorded on the stolen register, and are not subject to a finance agreement. This is in addition to your statutory rights.

Ownership of goods shall not be passed onto the customer until the price has been paid in cash or cleared funds but risk shall be passed to the customer on delivery.

14. Apply for finance – Terms & Conditions
Finance is provided, subject to status. To apply you must be at least 18 years old and a UK resident. A guarantor may be required. Security may be required by way of a Bill of Sale.

Credit is only available on cars supplied by us.

Telephone calls may be monitored or recorded for security and quality control. Information is available in large print, audio and Braille on request please call for details.

15. Use of Your Information
If you make an application, your details will be held on computer and used in a credit scoring or other automated decision-making process when assessing your application. VC work with a number of Credit Providers who provide vehicle finance. We will pass your application to more than one Credit Provider (if it is not initially accepted) in order to give you the best chance of securing finance. This may result in multiple credit searches. If you provide false or inaccurate information we will record this. We and other organisations may then use and search these records to check your identity, to prevent fraud and money laundering. You can ask for details about the Credit Reference and Fraud Prevention Agencies from whom and with whom we share this information. You have a legal right to these records.

For the purposes of this application, you may be treated as financially linked and your application will be assessed with reference to any “associated” records.

If you are a joint applicant or if you have told us of some other financial association with another person, you  must be sure that you are entitled to:

  • disclose information about your joint applicant and anyone referred to by you.
  • authorise us to search, link or record information at credit reference agencies about you and anyone referred to by you.

An “association” between joint applicants, and between you and anyone you tell us is your financial partner, will be created at credit reference agencies. This will link your financial records, each of which will be taken into account in all future applications by either or both of you. This will continue until one of you successfully files a disassociation at credit reference agencies.

You authorise us to make all enquiries necessary to verify this information to enable us to consider this application. If you apply for insurance your information will be passed to the administrators and the insurers for underwriting, processing claims handling and fraud prevention.

Your personal data which may include sensitive information such as medical details, will be treated in confidence and will not be disclosed to any third parties except where permitted by law or where you have given your consent, however, it may be shared with selected third parties and the Insurers (and their administrators) who may also use it for marketing, research, statistical analysis and administration purposes.

For further information on the companies with whom your information may be shared please contact us. You may be contacted by mail, telephone, email, automated calling systems or other reasonable method with details of products or services offered by one of the above. If you do not want your details to be used for marketing please call or email us. Under the terms of the Data Protection Act you have the right to obtain a copy of the information held about you upon payment of the appropriate fee.

16. About our Regulated Services

16.1 Who regulates us?

Ventura Collection Limited trading as VC, 14 Dunsby Road, Milton Keynes, MK6 4AD is authorised and regulated by the Financial Conduct Authority. Our FCA FRN is 996082. Our permitted business is credit broking. You can check this on the FCA’s Register by visiting the FCA’s website
register or by contacting the FCA on 0800 111 6768 or 0300 500 8082.

16.2 What service will we be providing to you?

  • We are a credit broker and not a lender.
  • We can introduce you to our carefully selected panel of lenders; we do not charge you a fee for this service
  • Finance products offered include Hire Purchase, Conditional Sale, and Personal Contract Purchase to fund car buying and additional products.
  • We are not an independent financial advisor.
  • We may provide advice on the products based on your personal circumstances, but you are not obligated to follow our advice or recommendation.
  • Our panel of lenders includes: Blackhorse, MotoNovo, BNP Paribas, Northridge Finance, Oodle Car Finance, Blue Mo-tor Finance, Startline Motor Finance, Moneybarn, Moneyway, Advantage Finance, Automoney Finance, and Go Car Credit.

16.3 What commission arrangements do we have with our lenders?

When we introduce you to a lender, we will typically receive a fee from them, known as commission; either as a fixed percentage of the amount you borrow or a fixed fee. Where a fixed fee may be paid to us, the amount may be influenced by your credit score which can indicate the risk of lending to you. The higher the risk, the higher the interest rate charged to the borrower, otherwise known as ‘rate for risk’. Where interest rates are higher, this typically results in less commission paid to us from the lender due to the increased risk of falling behind with payment obligations or cancellation of the agreement. The lenders we work with may pay commissions at different rates. However, the amount of commission that we receive from a lender does not influence the amount that you pay to that lender under your credit agreement. The commission we receive is always set by the accepting lender and not by us.

16.4 How do I make a complaint or provide feedback?

Please go to section 19 for our complaints and feedback procedure

17. Vulnerable Customer Policy
At VC, we care about providing the right support to all our customers, which is why we have a Vulnerable Customer Policy. Vulnerabilities can come in various forms, with some of the driving factors as follows:

  • Health-related vulnerabilities (e.g. mental health condition[s], neurological disability, hearing or visual impairment)
  • Life events (e.g. divorce, bereavement, loss of job); and
  • Capability to understand and manage your affairs (e.g. limited understanding of the English language and/or finance)

If there are situations which mean it is difficult for you to make an informed decision within the car buying process, including how to fund the vehicle and/or if you usually have the help of a third party for such decisions, please let us know and we will endeavour to provide you with appropriate assistance.

You can check this on the FCA’s Register by visiting the FCA’s website or by contacting the FCA on 0800 111 6768 or 0300 500 8082.

18. VC Data Protection & Privacy Notice

VC adheres to the Data Protection Act 2018. Information you provide will be used in connection with car purchase, administration, policy renewals and by VC’s finance providers if you use our finance facility.

For more information on how we process your data please see our Privacy Notice at privacy-notice. To request a copy of this personal data please write to: Data Controller, VC, 14 Dunsby Road, Milton Keynes, MK6 4AD.

19. Complaint and Feedback Procedure

We are committed to providing a high standard of service to you and all our customers. Occasionally we may not live up to our expectations and if this happens, we would like to hear from you. This will allow us to put matters right and make improvements. We value your feedback and thank you for helping us treat all our valued customers fairly.

In the first instance, please share your complaint with our staff as they are usually best placed to resolve the concern.

If your concern remains unresolved, please contact our General Manager using the contact details below. The Customer Service Department is open Monday to Friday 8am – 6pm.

Address: 14 Dunsby Road, Milton Keynes, MK6 4AD.

20. Alternative Dispute Resolution

If an acceptable resolution of a car-related concern is not reached, we offer the option to refer the matter to an Alternative Dispute Resolution (ADR) company. We use The National Conciliation Service who are certified and independent as a provider of ADR. Their contact details are given below:

Address: National Conciliation Service, 1st Floor, 2 Allerton Road, Rugby, CV23 0PA.
Phone: 01788 538317

21. VC Deduction Policy

21.1 Money-back guarantee Where your vehicle has been delivered without you seeing the vehicle in person, your purchase qualifies for a money-back guarantee. You have a 70-mile test drive limit within which a full refund will still be issued if the vehicle is returned, terms & conditions apply*. Subsequent mileage added to the vehicle will be subject to a £1 deduction per mile. *For more information, please see Cancelation & Returns policy emailed to you with your sales order

21.2 Consumer rights return In the event that you have a valid reason to return the vehicle under your consumer rights, we reserve the right to deduct a reasonable sum of money for the usage of the vehicle and any failure to keep it in good repair and condition.

Our policy is to charge 25 pence per mile for each mile covered since the date of sale, along with the cost of any estimate for repairs required due to any damage to the vehicle (e.g. interior and exterior) that was caused whilst in your possession/ownership.

22. Finance and Insurance Complaints

We will acknowledge all Finance and Insurance complaints within 5 business days. You will be given details of who is investigating your complaint and how to contact them. We will do our best to resolve the concern with as little inconvenience to you as possible and to keep you informed during the process. At any stage, you may contact the person handling your complaint and discuss the next steps. Within 8 weeks we will give our Final Response or a further progress report on the investigation.

All complaints are treated in the same manner no matter who or how they are brought to our attention.  Claims Management Companies will be asked to supply an original letter of authority if they claim to represent a VC customer.

23. Appeals

If you do not accept the outcome after receiving our Final Response, or if your Finance or Insurance complaint has not been resolved within 8 weeks then you may appeal to the Financial Ombudsman Service. This service is provided via Financial Services Authority to review unresolved Finance and Insurance complaints. Please contact below:

Phone: 0300 123 9 123
Address: Harbour Exchange Square, London, E14 9SR