You have the option to return the vehicle at the end of your contract. To avoid charges, the vehicle must be in good condition and within the maximum allowed mileage. Own the vehicle directly by paying the optional final refund. If you have cancelled your direct debit, please reinstate it before your monthly payments can resume. You can do this by logging into your online account* and selecting “Update your bank details”. You will then need to enter your bank code and account number. You must withdraw your direct debit at least 8 business days before your next payment is due. If it`s too late to reset your direct debit when you restart your payments, you can make a debit card payment via the “Make Payment” option in your online account. If you`re not sure if you`ve cancelled your direct debit, you can check if it`s still active in your bank. You should be able to find this information in your bank`s online or mobile banking app. Otherwise, you will need to call your bank. If in most cases you need to request a payment deferral, you can now request online to defer your payments for the next 3 months.
To process a request to change the payment date, you must log in to your account on the Black Horse www.blackhorse.co.uk with your date of birth, postal code and contract number. If you have lost your copy of your agreement and need to request a copy, please contact us and we can send you one. You must also keep the maintenance record and registration document up to date and in your possession. Billing agreements are used to reimburse an institution for a portion of the expenses of one of its employees or students working at another institution through a grant from the other institution. The best way to think about it: you/we only buy someone`s time. To set up a direct debit, you need the bank account number and sort code of the account that you want to use for direct debit. To set up direct debit, you must also confirm the following: Please note that none of your personal data is provided in the SMS. We also confirm your payment by e-mail, which includes the amount you paid and the reference number for the payment. However, if you would like more help and support, please contact us. If you are not sure whether you have a personal contract (PCP) purchase with us, you can find this information on the homepage of your online account. Yes, but you must get our permission before doing so.
For more information, see your copy of your agreement. This does not affect your creditworthiness as it is your legal right (read the linked article for more information). A PCP is a cash flow agreement because you don`t intend to keep the car, but such a high interest rate is still relevant as it significantly increases your monthly payments. I would have thought they could get financing at a much better price – try another VW dealership or financial company like Santander or Black Horse. Hi Stuart, my daughter has a VW Polo 1.2 on a 3 year old PCP. If your payment is successful, the Payment Successful screen appears. This screen will also show you the amount you paid with a reference number. On this screen, you have the option for us to send you a free text to confirm your payment. We will also send you a confirmation email with the amount of the payment you made and the payment reference number. At the end of your PCP agreement with us, you will be asked to make a final optional payment.
This amount is indicated in your contract and on the home page of your online account. Your options are as follows:1) Own your vehicle Own the vehicle directly by paying the optional final payment. A purchase fee of £10 is included, as well as any fees or charges payable under the agreement. If you have taken a payment holiday, this may affect the amount of your optional final payment. We have written these changes to you and you can see the updated information on your account homepage by logging in. Click “Home” in the navigation to display the page. If you need further help and assistance, please contact us.2) Return of your vehicle You have the option to return the vehicle at the end of your contract. To avoid charges, the vehicle must be in good condition and within the maximum allowed mileage. Please see your copy of your agreement. If you choose this option, we will ensure that our representative picks up the vehicle and completes a report on the condition and mileage of the vehicle. You also received a copy of the Good Conditions Guide when we sent you your original agreement.
If you need more information, please contact us.3) Changing vehicles Changing vehicles at the end of your contract is simple and straightforward. You can partially replace your vehicle, choose another vehicle, and authorize your dealer to manage your agreement on your behalf. If you do, all new loan agreements will be subject to the statute. If the value of the vehicle is less than the optional final payment, you will have to pay a shortfall before starting a new agreement. Please ensure that your dealer pays the billing amount for your current vehicle, as you will remain responsible for your agreement until we have received the full billing amount. If you have taken a pay holiday, it may affect the amount you need to repay your existing agreement. We have written these changes to you and you can see the updated information on your account homepage by logging in. Click “Home” in the navigation to display the page. If you need additional help and support, please contact us.
Yes. Although we own the vehicle, we need you to take care of it. For more information, see your copy of your agreement. You must keep the vehicle: If your bank details change, it is important that you inform us so that you can continue to make your monthly payments. You can update your direct debit details online. To learn more about changing your direct debit information, please read our FREQUENTLY ASKED QUESTIONS about managing your account. Yes, you must pay any fines or penalties related to the vehicle. For more information, see your copy of your agreement. You can read the full terms of your agreement in the customer welcome package that we sent you at the beginning of your agreement with us. To make sure you pay the correct amount, you must first receive a current billing amount.
From here you have the option to settle in. To receive a billing amount, log in to your online account and click on “Payments” in the menu. You can then follow the instructions to get a billing amount. For HP customers, the billing amount includes all fees and charges payable. For PCP customers, the billing amount includes all fees and charges payable. .