What should I do if I know I am going to miss a payment?
You should contact our credit control department. We understand that peoples circumstances change. We will discuss the situation with you and make arrangements to deal with it to best suit both parties.
What do I do if I know that I am going to miss a payment?
You should contact our credit control department. We will discuss your situation with you and make arrangements to deal with it to best suit your circumstances.
Will missed payments affect my credit profile?
Yes, unless the arrears are paid off quickly. You can review your credit profile by clicking here.
Why have I received a letter after making payment?
When making a payment this needs to be received on your account by the agreed due date. If we do not receive payment we will write to you to confirm this. If during the interim you know you have made your payment you can ignore the letter.
What happens if I miss a payment?
Charges will be applied to your account for any missed payments. It is important that you contact our credit control department so we can discuss a solution to suit both parties. If you continue to miss agreed payments then your vehicle will be at risk of repossession.
Can I pay you by means other than direct debit?
Direct debit is the simplest and most efficient method of payment. Because of this, it is part of the terms of your agreement. If you fail to pay us by direct debit you will incur additional charges.
Can I take a payment break?
No. We do not offer payment breaks.
What if my vehicle has been damaged or written off in an accident?
You should contact our credit control department to advise us of the situation immediately. If the vehicle has been written off then the insurance company will pay us the market value of the assets and you will be liable for the shortfall. You must maintain payments on your vehicle until the insurance company have paid us.