Supporting You Through Life’s Changes

At Van Mossel Esplanade, we understand that life can sometimes take unexpected turns, and personal or financial challenges may arise along the way. The past few years have brought uncertainty for many, and we recognise that some of our customers may need a little extra support during difficult times.

If you're facing challenges—whether in your daily life or with your financial situation—there are a number of trusted, non-profit organisations that offer free advice and can connect you with further assistance. We've included a list below to help guide you toward the right support for your needs.

You can also speak directly with your vehicle finance provider or insurance product provider, as they may be able to offer flexible options tailored to your current circumstances.

Useful Contacts - The following organisations can provide you with free, confidential and impartial advice and support:

Mental Health and Money

MoneyHelper

Citizens’ Advice Bureau

Samaritans

Money and Pensions Service

Money Advice Trust

MIND

Alzheimer’s Society

Vulnerability Registration Service

Mental Health Foundation – Get Help

StepChangem Debt Charity

Van Mossel IOW Limited Trading as Van Mossel Esplanade, Esplanade Volkswagen, Esplanade Mercedes-Benz, Esplanade CUPRA Isle of Wight, Esplanade SEAT Isle of Wight, Esplanade Skoda, Esplanade Volvo and Esplanade Buzz Centre is an Appointed Representative of Automotive Compliance Ltd who is authorised and regulated by the Financial Conduct Authority (FCA No. 497010). Automotive Compliance Ltd’s permissions as a Principal Firm Van Mossel IOW Limited Trading as Van Mossel Esplanade to act as a credit broker, not a lender, for the introduction to a limited number of lenders, and to act as an agent on behalf of the insurer for insurance distribution activities only. We are a credit broker and not a lender. We can introduce you to a carefully selected panel of lenders, which includes manufacturer lenders linked directly to the franchises that we represent. We act on behalf of the lender for this introduction and not as your agent. We are not impartial, and we are not an independent financial advisor. Our approach is to introduce you first to the manufacturer lender linked directly to the particular franchise you are purchasing your vehicle from, who are usually able to offer the best available package for you, taking into account both interest rates and other contributions. If they are unable to make you an offer of finance, we then seek to introduce you to whichever of the other lenders on our panel is able to make the next most suitable offer of finance for you. Our aim is to secure a suitable finance agreement for you that enables you to achieve your financial objectives. If you purchase a vehicle, in the majority of cases, we will receive a commission from your lender for introducing you to them which is either a fixed fee, or a fixed percentage of the amount that you borrow. This may be linked to the vehicle model you purchase. Different lenders pay different commissions for such introductions, and manufacturer lenders linked directly to the franchises that we represent may also provide preferential rates to us for the funding of our vehicle stock and also provide financial support for our training and marketing. But any such amounts they and other lenders pay us will not affect the amounts you pay under your finance agreement; however, you will be contributing towards the commission paid to us with the interest collected on your repayments. Before we propose you to a potential lender, we will inform you of the likely amount of commission we will receive and seek your consent to receive this commission. The exact amount of commission that we will receive will be confirmed prior to you signing your finance agreement. All finance applications are subject to status, terms and conditions apply, UK residents only, 18s or over. Guarantees may be required.

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