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Edwin Miles. Underwriting Manager

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Car finance for a Seat Leon

Hi, I am in need of a car for work and I have found a Seat Leon 08 plate. It's at the Seat garage but it's £8500 and I can't get finance. I can afford £200 a month can you help?

Posted by Simon on

Answer.

Hi Simon, who have you been declined by? The garage only or have you applied elsewhere online? Please can you let me know asap. If you're approved we'll be able to get you a Seat Leon with no problems and your budget seems reasonable. What is your credit history like? Are you on the electoral roll? Regards, Edwin

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Question.

Hi, thanks for reply. I have a bad credit history and this Leon is from a Seat garage so I can trust it. I haven't been declined but I can't even get a £5000 loan so no chance getting finance for that but I get £1200 a month and my bills are only £450 altogether so can you help?

Posted by Simon on

Answer.

Hi Simon, i understand that you have lots of disposable income which is great. However, where have you applied and been declined? This will give me a clearer indication on whether we can help or not. Also what is your outstanding debt and do you have any defaults or CCJ's?

Posted by on

Question.

Hi, I haven't got any ccjs or debt. I had a store card which I paid off but they have now satisfied the account and it's knocked my credit rating a lot.

Posted by Simon on

Answer.

Hi Simon, thanks for that. However, where have you applied in the last month for car finance?

Posted by on

Question.

No, I daren't incase I get denied in the show room. Like I said, I can't even get a £5000 loan never mind a £8500 car finance.

Posted by Simon on

Answer.

Where did you get declined for a £5000 loan?

Posted by on

Question.

My bank HSBC

Posted by Simon on

Answer.

Ah - ok. Make an application - we should be able to help. If you have a £1000 deposit we may be able to get you the £8500. Edwin

Posted by on

Question.

Will you put the 8500 in my bank ?

Posted by Simon on

Answer.

Hi Simon, no - we either supply the car (we have direct links with Seat) or we pay the supplying dealer for the car if you choose to purchase a car from another dealer.

Posted by on

Question.

So if I give you the direct details of the garage and car you will get me that car?

Posted by Simon on

Answer.

Hi Simon, if we can get you approved then yes.

Posted by on

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