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We're here to help
Solutions Personal Contract Plans (PCP), Hire Purchase and Lease Purchase
If you have a Solutions PCP, Hire Purchase or a Lease Purchase finance agreement with us and are experiencing difficulties or struggling to make your payments please see the below options we have available to support you.
Keep your vehicle
Keep your vehicle; arrange a payment plan with us to keep you in your vehicle.
This payment plan will take into account how much you can afford to pay based on your circumstances, your income details and average monthly spending. We may need to know about other debts and financial commitments to help make sure any payment plan is affordable to you.
You can request a payment plan by:
• Requesting this online if you are behind with your payments
• Completing our financial difficulties web form
• Calling our financial support specialists on 0800 912 3558 – our opening hours are Monday to Friday, 9am to 6pm and Saturday 9am to 1pm.
• Emailing us at collections.mailbox@vwfs.co.uk
Selling your vehicle
We can assist you in settling your agreement and provide you the amount needed to end your agreement. You will need to settle your agreement in full if you choose this option.
You can request a settlement figure by:
- Visiting our customer portal
- Calling our financial support specialists on 0800 912 3558 – our opening hours are Monday to Friday, 9am to 6pm and Saturday 9am to 1pm.
- Calling our automated service on (0370 010 2022) available at any time
Part exchange
Part exchange; you can part exchange your vehicle for another vehicle.
Your retailer may be able to help you in finding a more affordable option. This may mean a new finance agreement which would be subject to a credit check. Please contact your retailer for more information.
Voluntary termination
Voluntary termination; you can end your agreement at any time.
You will need to pay a percentage of the total amount payable. If you voluntary terminate before the amount needed has been paid you will be asked to pay the balance. If you have a balance to settle we can work with you to agree a payment plan.
You can request a voluntary termination by:
- Visiting our customer portal
- Calling our financial support specialists on 0800 912 3558 – our opening hours are Monday to Friday, 9am to 6pm and Saturday 9am to 1pm.
Repossession
Repossession; you can also ask for us to proceed with repossession of the vehicle.
We can assist you with ending your agreement and arranging for your vehicle to be collected. Please understand that your credit file will show a default and this will remain on your file for up to 6 years and could impact your future applications to obtain credit.
You can request a repossession by:
- Calling our financial support specialists on 0800 912 3558 – our opening hours are Monday to Friday, 9am to 7pm and Saturday 9am to 1pm.
Independent support & breathing space
You may wish to consider getting free independent support. There are free independent third party debt services such as MoneyHelper (see their Money Navigator Tool), StepChange and PayPlan who can discuss your current situation in confidence and help you find ways to manage your debts
We’ve included details of some independent organisations who may be able to support you at the bottom of this page.
If you decide to seek advice please let us know so that we can give you breathing space by pausing any further action whilst you work with these organisations. Your usual monthly payments will continue to fall due during any breathing space period that is applied to your agreement.
You can request breathing space by:
• Calling our financial support specialists on 0800 912 3558 – our opening hours are Monday to Friday, 9am to 6pm and Saturday 9am to 1pm.
Contract Hire
If you have a Contract Hire agreement with us and are experiencing difficulties or struggling to make your payments, please see the below options we have available to support you.
Keep your vehicle
Keep your vehicle; arrange a payment plan with us to keep you in your vehicle until the end of your agreement.
This payment plan will take into account how much you can afford to pay based on your circumstances, your income details and average monthly spending. We may need to know about other debts and financial commitments to help make sure any payment plan is affordable to you.
You can request a payment plan by:
- Requesting this online if you are behind with your payments
- Completing our financial difficulties web form
- Calling our financial support specialists on 0800 912 3558 – our opening hours are Monday to Friday, 9am to 6pm and Saturday 9am to 1pm.
- Emailing us at collections.mailbox@vwfs.co.uk
Return your vehicle
Return your vehicle; you can request to end your agreement early.
We can assist you with ending your agreement and arranging for your vehicle to be collected. Please understand that your credit file will show a default and this will remain on your file for up to 6 years and could impact your future applications to obtain credit.
You can request an early termination quote by:
- Calling our financial support specialists on 0800 912 3558 – our opening hours are Monday to Friday, 9am to 6pm and Saturday 9am to 1pm.
- Emailing us at collections.mailbox@vwfs.co.uk
Repossession
Repossession; you can also ask for us to proceed with repossession of the vehicle.
We can assist you with ending your agreement and arranging for your vehicle to be collected. Please understand that your credit file will show that your vehicle has been repossessed and this will remain on your file for up to 6 years and could impact your future applications to obtain credit.
You can request a repossession by:
- Calling our financial support specialists on 0800 912 3558 – our opening hours are Monday to Friday, 9am to 7pm and Saturday 9am to 1pm.
Independent support & breathing space
You may wish to consider getting free independent support. There are free independent third party debt services such as MoneyHelper (see their Money Navigator Tool), StepChange and PayPlan who can discuss your current situation in confidence and help you find ways to manage your debts
We’ve included details of some independent organisations who may be able to support you at the bottom of this page.
If you decide to seek advice please let us know so that we can give you breathing space by pausing any further action whilst you work with these organisations. Your usual monthly payments will continue to fall due during any breathing space period that is applied to your agreement.
You can request breathing space by:
- Calling our financial support specialists on 0800 912 3558 – our opening hours are Monday to Friday, 9am to 6pm and Saturday 9am to 1pm.
Finance Lease
If you have a finance lease agreement with us and are experiencing difficulties or struggling to make your payments please see the below options we have available to support you.
Keep your vehicle
Keep your vehicle; request a payment plan with us to keep you in your vehicle.
This payment plan will take into account how much you can afford to pay based on your circumstances, your income details and average monthly spending. We may need to know about other debts and financial commitments to help make sure any payment plan is affordable to you.
You can request a payment plan by:
- Calling our financial support specialists on 0800 912 3558 – our opening hours are Monday to Friday, 9am to 6pm and Saturday 9am to 1pm.
- E-mailing us at collections.mailbox@vwfs.co.uk
Selling your vehicle
Selling your vehicle; sell your vehicle at any time to an unrelated third party.
We can assist you in terminating your agreement and provide you the amount needed to end your agreement. You will need to sell your vehicle to an unrelated third party, this could be a retailer or a private buyer. We can give you guidance on this option.
You can request a termination figure by:
- Calling our financial support specialists on 0800 912 3558 – our opening hours are Monday to Friday, 9am to 6pm and Saturday 9am to 1pm.
Part exchange
Part exchange; you can part exchange your vehicle for another vehicle.
Your retailer may be able to help you in finding a more affordable option. This may mean a new finance agreement which would be subject to a credit check. Please contact your retailer for more information.
Repossession
Repossession; you can also ask us to proceed with repossession of the vehicle.
We can assist you with ending your agreement and arranging for your vehicle to be collected. Please understand that your credit file will show a default and this will remain on your file for up to 6 years and could impact your future applications to obtain credit.
You can request a repossession by:
- Calling our financial support specialists on 0800 912 3558 – our opening hours are Monday to Friday, 9am to 7pm and Saturday 9am to 1pm.
Independent support & breathing space
You may wish to consider getting free independent support. There are free independent third party debt services such as MoneyHelper (see their Money Navigator Tool), StepChange and PayPlan who can discuss your current situation in confidence and help you find ways to manage your debts
We’ve included details of some independent organisations who may be able to support you at the bottom of this page.
If you decide to seek advice please let us know so that we can give you breathing space by pausing any further action whilst you work with these organisations. Your usual monthly payments will continue to fall due during any breathing space period that is applied to your agreement.
You can request breathing space by:
- Calling our financial support specialists on 0800 912 3558 – our opening hours are Monday to Friday, 9am to 6pm and Saturday 9am to 1pm.
Free support and independent advice
You may wish to consider getting free independent support. There are free independent third party debt advice services such as MoneyHelper (see their Money Navigator Tool), StepChange and PayPlan who can discuss your current situation in confidence and help you find ways to manage your debts
We’ve included details of some independent organisations who may be able to support you below.
If you decide to seek advice please let us know so that we can give you breathing space by pausing any further action whilst you work with these organisations. Your usual monthly payments will continue to fall due during any breathing space period that is applied to your agreement.
If you require additional assistance contact our financial support specialists on: 0800 912 3558 (Monday-Friday 9am-6pm and Saturday 9am to 1pm).
Support area | Organisation and help offered | Website | Phone number |
---|---|---|---|
Financial Support |
Money Advice Service provided by the Money & Pensions Service MoneyHelper joins up money and pensions guidance. They provide in-depth guides to help improve finances, tools and calculators to help keep track and plan ahead |
https://www.moneyhelper.org.uk (See also their Money Navigator Tool) |
|
National Debt line National Debtline are a charity that provides free and independent debt advice over the phone and online. They provide guides, fact sheets, budgeting tools and sample letters to help you write to your creditors |
www.nationaldebtline.co.uk | Freephone Tel: 0808 808 4000 | |
Step Change Debt Charity Stepchange offer free, flexible debt advice that is based on a comprehensive assessment of your situation |
www.stepchange.org | Freephone Tel: 0800 138 1111 | |
Pay Plan Pay Plan provide a friendly, bespoke and accountable free debt advice service and you can easily switch between communication channels
|
www.payplan.com | Freephone Tel: 0800 280 2816 | |
Turn2us Turn2us are a national charity providing practical help to people who are struggling financially. They provide a benefits calculator and run a grant search to understand what you may be entitled to |
www.Turn2us.org.uk | 0808 802 2000 | |
Financial Conduct Authority The FCA regulate financial services firms and financial markets in the UK |
www.fca.org.uk | ||
Tax and Benefits help online Government guidance on topics such as income tax, self assessments, dealing with HMRC, benefit eligibility, Tax Credits and Universal Credits |
www.gov.uk | ||
Legal & general advice |
Citizens Advice online Citizens Advice is an independent organisation specialising in confidential information and advice to assist people with legal, debt, consumer, housing and other problems |
www.adviceguide.org.uk | Search for your local Citizens Advice contact details. |
Civil Legal Advice Civil Legal Advice (CLA) provide free and confidential advice as part of legal aid if you’re in England or Wales if your home is at risk due to debt, are homeless or at risk of being evicted |
www.gov.uk/civil-legal-advice | ||
Housing advice |
Government Advice Provides Government guidance if your house is being repossessed by your mortgage lender |
www.gov.uk/repossession | |
Shelter Shelter provides advice and support services one-to-one, personalised help with housing issues and homelessness |
www.shelter.org.uk | 0808 800 4444 | |
Local Authority for re-housing help online Provides Government guidance if you are homeless or about to become homeless |
www.gov.uk |