CCJ'S - POOR CREDIT -
REFUSED FINANCE ELSEWHERE?
payments, Defaults, County
Court Judgements (CCJ's), Poor or Bad credit, Debt Management Programs
(DMP's), Bankruptcy or Individual
Arrangements (IVA's) - 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 then you know that it can easily make it very hard, if not
impossible, to obtain finance. If you are a tenant, 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
Unlike so many other companies that offer help if you have poor credit
are not a finance company that charges exorbitant rates or a
dealer selling cars at over inflated prices. We act as agents for some
of the, surprisingly, few specialised funders in this market. It
is our job to get the
best acceptance terms and prices on your behalf. Typically lenders
will ask for three - four rentals as an advance
payment, although we can get deposits as low as just £400 for
near prime customers.
Whatever your circumstances you can be guaranteed that your enquiry
will be treated with the same professionalism, courtesy and enthusiasm
that all our customers have come to expect.
We can offer a number of facilities from the major funders in this
Hire: (Perfect for someone
that wants a nearly new car every 3 years).
The Funder, perhaps
the most flexible of them, supplies the vehicles, the prices are based
on 15,000 miles per annum non-maintained contracts with 4 months
initial payments (subject to status). All contracts include Road Fund
Licence (Road Tax or VED) for the duration of the contract.
Short Term Contract Hire /
for someone that wants to drive a
/ nearly new car and only want to commit to a 6 to 18 month period,
The funders supply the vehicles, their fleets are
all new to 6 months old
(12 months for commercials) depending on the scheme. All
contracts include Road Fund Licence (Road
Tax or VED) for the duration of the contract.
Rolling Contracts: (Perfect
CCJ's or not in an IVA and looking for a flexible option).
good choice of cars and vans all from the Ford range. Only available to
Private Individuals who are not showing as Bankrupt, in IVAs and have
not had any CCJ's in the last 6 years. Also available to Limited
Companies with up to date accounts lodged at Companies House that show
a positive Net Worth or for a new company with no accounts lodged as
yet and again, no CCJ's. Initial 3 or 6 month minimum contract that can
then be renewed. No initial payment BUT a refundable security deposit
will be required of between £750 - £2000.
available up to 4000 per month. Private Individuals must arrange
insurance via the funders nominated insurance brokers. The vehicles are
changed for brand new ones every 2-5 months and before 9000 miles so
the vehicles will never need to be serviced, conversely as they are
swapped regularly this facility may not be suitable for everyone.
Purchase: (Ideal when you
part-exchange your own car or looking for an older or specialised car) You
find the vehicle - typically you can finance vehicles up to 6 years old
and under 100,000 miles from any
reputable dealer. The deposits required vary between the funders
take into account your own circumstances but we can get No deposit
acceptance for a 'near prime'
customers. There is a separate administration fee of
you have completed
online application form:
Please email or
Copy Driving Licence (card and counterpart
Utility Bill dated in the last 3 months
3 months banks statements (from all accounts if this will show the full
picture of your finances)
– please email or phone for specific application forms
is the best facility for
you? Why not discuss this
with one of
consultants who will explain everything in a very straightforward way,
please feel free to telephone us, office hours, Monday –
look forward to receiving your application.
Why not phone to discuss? - 01554 892939