We use cookies on our website. See our Cookie Statement here.

Cookie Statment
Close
Close
Close
Close All Open All

Payments and Fees

As a new customer when will my first payment be taken?

Your first repayment will be taken one month less a day after the start date of your agreement. For example if your contract start date is the 2nd November 2014, then your first payment will be due on 1st December 2014. The exact due date will be in your Welcome Letter.

Why is my first payment higher than my other payments?

Some of our financial agreements attract Credit Facility Fees. Dependent on the type of agreement you have with us an administration fee may be applied to the first and/or the last payment you make.  Any applicable fees – Credit Facility Fee, Administration Fee or Option to Purchase Fee – are specified in the section “Key Financial Information” of your agreement.

Why do I have to pay fees?

All applicable Administrative Fees – Credit Facility Fee, Administration or Option to Purchase fees – are detailed in your agreement in the section “Key Financial Information”.   These fees are connected with our costs for setting up your agreement and activities required as a result, including credit assessment and fraud prevention services, credit reference agency costs and administration involved in the transfer of title of the goods and release of financial interest at the end of your agreement.

Can I pay extra amounts/lump sums under the agreement?

Yes, you can do this at any time. You can choose whether to reduce your monthly payments or reduce the term of your agreement. Click here for our contact details.

How is an early settlement figure calculated?

We use a calculation called the ‘actuarial method’ to work out your settlement figure. This calculation is prescribed to us by the Consumer Credit Act (Early Settlement) Regulations 2004. Further information about the way we calculate your settlement figure is available at: http://www.legislation.gov.uk/uksi/2004/1483/schedule/made

Why have I got a settlement letter when I did not ask for one?

If you have requested a settlement figure from one of our dealerships, then an automatically generated letter will be sent to your home address.

How can I make a payment?


We can only take payment from the account holder or an authorised third party with an explicit pre-arranged and limited agreement in place. You can make a payment by:

Credit or Debit Card: You can call our Customer Services team or submit your details here for processing.

Direct Credit: You can pay us directly, using the bank account details here. Please don’t forget to include your agreement number as the reference, so that we can identify your payment.

Cheque: You can send a cheque to us using this address. Please ensure you write your agreement and registration numbers on the back of the cheque so that we can identify your payment.

What happens if I am having difficulty meeting the payments?

Please contact us as soon as possible. We will review your case on an individual basis. Please note that when considering your request, we may ask for supporting documents. You can speed up the process by enclosing relevant documents (such as: doctors’ notes, specialist referral letters, letters from the Department of Work and Pensions (DWP)) when you send in your request. Click here for our contact details.

What happens if I am ill and can no longer make the repayments?

Please get in touch as soon as possible so that we can assess your particular case and circumstances. Please note that

when considering your request, we may ask for supporting documents. You can speed up this process by enclosing relevant

documents (such as: doctors’ notes, specialist referral letters, letters from the Department of Work and Pensions (DWP))

when you send in your request. Click here for our contact details.