CCJ'S
- POOR CREDIT?
Late
or missed payments, Defaults, County Court Judgements (CCJ), Bankruptcy,
Individual Voluntary Arrangements (IVA) or Trust Deed. In today's world it
could happen to us all. Sometimes things happen that are beyond our
control - divorce, failure of a business venture, failure of someone
else's business! If you are affected by this then you know that it can
make it very hard to obtain finance. If you are a tenant or not on the
electoral roll, a new start business or a business with poor accounts
obtaining credit can sometimes appear impossible.
If you need a
vehicle and are having trouble obtaining finance we can assist. We have
many years experience in this field with an excellent success rate.
Although we do offer a Hire Purchase facility we find Business or Personal
Contract Hire, referred to by many as ‘Car Leasing’ gets by far the
best success rate and gives our clients what they need - the use of new or
recent used reliable vehicle.
Unlike so many
other companies that offer assistance in this area, we are not a finance
company that charges exorbitant rates or a car dealer selling cars at over
inflated prices. We act as agents for some of the few specialised funders
in the market. It is our job to get the best acceptance terms and prices
on your behalf.
As every customer
has a different credit history and an individual vehicle requirement,
quotations can often vary depending on which funder we can gain acceptance
with. In view of this, we will work to gain the approval on the finance
first before offering any quotations. We are always happy to give
indicative figures, please telephone us for details.
Typically most
lenders would ask for 6 rentals as an advance payment, although payments
do start as low as 3 or 4 rentals. All vehicle makes are available with
the best deals being very recent used vehicles. If you require a
specialist or prestige model, that is not so easily available, the lenders
might ask for a larger initial payment but, of course this then reduces
your subsequent payments. We source the vehicle AND the funding. Although
we can fund vehicles that you have located, our buying power, be it on a
new or used vehicle, usually means our vehicle prices are substantially
better than can be obtained by our clients.
Whatever your
circumstances you can be guaranteed that your enquiry will be treated with
the same professionalism, courtesy and enthusiasm as all our customers
have come to expect.
Simply fill out
our 'Obtain a Quote' enquiry form. Ensure you click 'Yes' when asked 'Do
you have any credit problems’ and include brief details of your credit
history in the 'notes' space provided. You will receive a proposal form
within 24 hours for you to complete. We will ask you to fax or post the
form back to us along with further information, typically:
Copy of your
driving licence (including the paper counterpart if a new style)
Your last 3 months
bank statements
Copy of tenancy
agreement if applicable (just the sheets that show names address)
You might like to
gather this information together while you are waiting for the application
form to be emailed. If you have any queries, or problems supplying any of
the information requested above or have not received the application
within 24 hours please contact us.
The main reason
why we can’t assist our clients is down to the simple fact that after
enquiring, and our initial response, clients don’t send back the
requested items – why is this? -
Perhaps they feel it is not worth the effort only to be declined again –
not true, we have a 95% success rate once we have the paperwork to
process.
- Perhaps they
have sent items off before and never get a reply – Not from us we
always respond, even on the very rare occasions we can’t assist.
If you are not sure on any aspect, please talk to
us, our many years of experience enables us to know how and where to place
your proposal to get the best possible results.
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