You’ll find some useful information to help you understand your personal loan here. Details about the specific features of the loan you’ve taken out with us can be found in the welcome documents you received when we set up your account.
If you would like to check your current balance or request a settlement figure or you need a copy of another document, you can request these to be sent out in the post through our online form. Full details can be found on our contact page.
Click the links below for more detailed information on loans for:
Can I apply for finance? Can I apply for finance?
Our finance is only available through our designated retail partners.To apply for one of our finance products, you must be at least 18 years old on the date you apply, and a permanent UK resident for at least the last three years.
You must have an annual income of at least £6,000 and be one of the following:
• in regular full time work, working a minimum of 16 hours a week (includes students)
• retired
You must also have a mobile phone number, email address, and a UK bank account that can be set up to make Direct Debit payments.
Note: Finance is subject to eligibility and the approval of your application depends on financial circumstances and borrowing history.
What information do I need to provide to apply for finance? What information do I need to provide to apply for finance?
The exact information you'll need to provide will depend on what you're looking to purchase.
Usually we need to know your:
• personal details (name, address, date of birth, etc.)
• contact details (phone and email)
• employment details (income, place of employment, etc.)
Retailers will also need to see:
• proof of identity (e.g. passport)
• proof of address (e.g. a statement from your bank or an energy company)
What is a credit search? What is a credit search?
This information is then used to give you an overall credit score.
When you apply for an instalment account, we’ll use these records to help us make a lending decision. This initial search will show on your credit file for up to 12 months.
What's involved in a credit search? What's involved in a credit search?
In the UK, companies called credit reference agencies (CRAs) compile information on how you manage credit and make your payments. When you apply for finance, we'll carry out a search with Experian, Equifax and/or TransUnion to help make a lending decision. This search remains on your credit file for up to 12 months.
I've been declined for finance. How can I appeal the decision? I've been declined for finance. How can I appeal the decision?
If you've been declined for finance and would like to discuss our decision, you can contact us on 0800 15 22 888 *. Our opening hours are Monday to Saturday 09:00 – 18:00
Our automated phone system will ask for an account number, but as you won't have one, please press the hash key (#) when prompted until you're put through to an advisor.
I've been accepted for finance. What happens next? I've been accepted for finance. What happens next?
If you decide to go ahead with your finance, you’ll need to carefully read the details of your agreement, along with the terms and conditions. You can then sign the finance agreement, either digitally or physically depending on how you applied. Amazon is chosen by the customer and correct
We’ll send you a welcome letter on your finance start date, either via email or by post. Payments usually start one month after your finance start date, unless you have a deferral period for example for a Buy Now, Pay Later account.
When does my finance start? When does my finance start?
I've been accepted. How long do I have to decide if I want to continue? I've been accepted. How long do I have to decide if I want to continue?
If your application has been approved, but you’d like to consider your options, you have 30 days to decide whether you'd like to sign your agreement and continue with the finance.
If you applied online: We’ll send an email with a link to continue – this will remain valid for 30 days. If you change your mind after you have signed your agreement , you can withdraw from the finance within 14 days starting the day after you sign the agreement – or when we confirm to you in writing that you've entered into the agreement, if this is later. For more details please refer to the “New agreement” section of the FAQ’s.
What do you mean by interest? What do you mean by interest?
Interest is the amount you are charged when you borrow money for goods and/or services over a period of time. The Interest Rate is the amount you are being charged as a % of the finance amount and is usually expressed as an annual rate.
How are my monthly payments calculated? How are my monthly payments calculated?
Your monthly payments are calculated by taking the total finance amount plus the total interest due over the loan period, divided by the term of the loan.
This will mean each monthly payment is the same amount even though you accrue less interest each month.
What do you mean by APR? What do you mean by APR?
APR stands for the annual percentage rate, which is is the total amount you are charged for your finance shown as an annual percentage. This will include all fees and interest charges and will allow you to compare the cost of finance across different financing options as it provides a like for like comparison.
What is a credit facility fee? What is a credit facility fee?
The credit facility fee is what we charge for your finance – the actual fee amount is set out in your agreement. If the fee is added to your finance amount, you'll pay interest on this as well as on the finance amount. If the fee is paid up front, it will be collected at the same time as your first repayment.
What is a completion fee? What is a completion fee?
The completion fee is an amount we charge at the end of your finance. We'll collect it by Direct Debit on the same date as your final repayment.
Who do I contact if I find the finance information difficult to understand? Who do I contact if I find the finance information difficult to understand?
We can help if you find it difficult to understand any information we've provided. Our team can support all customers, including those who with physical or mental impairments, or learning difficulties. Get in touch with us on 0800 15 22 888 *. Our opening hours are Monday to Saturday 09:00 – 18:00.
Please have your 16-digit Barclays Partner Finance account number to hand as you'll need this to access your account information. If you are unable to entre your 16 digit account number please press the hash key (#) when prompted until you're put through to an advisor.
How often will I receive a statement? How often will I receive a statement?
We’ll send you a statement as least once a year. You can also get an up-to-date statement at any time by calling our automated phone service, which is available 24 hours a day on 0800 15 22 888 *. To do so, you need to choose ‘something else’ from the automated service menu, then ‘request a statement’.
How will my finance appear on my credit file? How will my finance appear on my credit file?
All loans will show as a Barclays Partner Finance or Clydesdale Finance LTD loan depending on which credit agency you are looking at and or when you took out the loan. They will appear as an unsecured loan and show the total amount payable, this includes any interest (if applicable) as we add the interest to the loan, it will also show your monthly payment and the current balance at the time that you view your credit report. Please note, updates to credit reports can take up to 30 days to show, so do not worry if the balance is a month behind.
We will always show the total amount to be paid for the finance over its full term – even if you settle your finance early and end up paying less.
How will you use my data? How will you use my data?
For full details of how we use the information we collect from you, please read the Privacy Policy published on this site.
What are my rights to withdraw from the finance? What are my rights to withdraw from the finance?
If you change your mind, you can withdraw from the finance within 14 days starting the day after you sign the agreement – or when we confirm to you in writing that you've entered into the agreement, if this is later.
To withdraw from your finance get in touch on 0800 15 22 888 * or write to us at: Barclays Partner Finance, PO Box 2501, Cardiff, CF23 0FP. Our opening hours are Monday to Saturday 09:00 – 18:00.
If you withdraw from the finance and we've already paid the retailer for the goods/services, you'll have to repay the value of the goods/services (plus any services or insurance) to us. You need to do this within 30 days of the date you asked to withdraw from the finance, and we won't charge you interest or other charges during that time. If you don't pay all amounts due in full, the finance will continue. However, if you do the goods will belong to you.
Does withdrawing from the finance cancel my purchase from the retailer? Does withdrawing from the finance cancel my purchase from the retailer?
No. If you withdraw from the finance your purchase from the retailer is not also withdrawn/cancelled. You will need to pay for the goods/services or contact the retailer directly to cancel your purchase (if possible).
If you’re still not happy with how things turn out, get in touch with our team on 0800 15 22 888 * and we'll see how we can help. Our opening hours are Monday to Saturday 09:00 – 18:00.
When will my payments start? When will my payments start?
Your payments will usually begin one month after your finance start date – unless you have a deferred product, such as 'Buy Now, Pay Later' finance. Details can be found in your credit agreement, or in the welcome letter we send you on your account start date.
As long as we hold a valid mobile number for you, you'll received a first payment reminder by text message, five days before your payment is due.
We request that all our customers pay us by Direct Debit.
Can I change my payment date? Can I change my payment date?
I've made payments, but haven't received all of my goods. What should I do? I've made payments, but haven't received all of my goods. What should I do?
Before getting in touch with us, please give the retailer a chance to sort things out. Explain to them what’s happened and how you'd like things put right.
If you’re still unhappy with how things turn out, give us a call on 0800 15 22 888 * and we'll see how we can help. Our opening hours are Monday to Saturday 09:00 – 18:00.
I think I've been the victim of fraud. What should I do? I think I've been the victim of fraud. What should I do?
If you’re worried about fraud, or believe you may have been the victim of fraud, please give us a call on 0800 15 22 888 *. Our opening hours are Monday to Saturday 09:00 – 18:00.
Before you call, please check who's providing your finance. If you recently purchased something with monthly payments, it may be us providing the finance. Check your welcome letter to see which store the finance was taken in – if you're still concerned, please get in touch with us. Once you have spoken to us you will need to complete a fraud disclaimer form . Please only complete the form if you have been guided to do so by one of our agents and we have already taken a record of the information from you. If you do continue to send without speaking to us first, we will be unable to continue our investigation.
Should the form not be returned within 28 days of speaking to us, we shall assume that you no longer wish to pursue the claim and any outstanding balance will be reapplied. In the meantime, you will not be billed for the queried finance. Once we have completed our investigation we will contact you either by telephone or in writing to let you know our decision and what happens next.
How do I let you know about a change of address? How do I let you know about a change of address?
To let us know about a change of address, please call us on 0800 15 22 888 *. Our opening hours are Monday to Saturday 09:00 – 18:00. Please note, we can change your address for Barclays Partner Finance loans only, if you hold any other products / accounts with Barclays you will need to contact them directly. https://www.barclays.co.uk/help/your-details/changeaddress/
Can I change my payment date? Can I change my payment date?
I've changed my name. How can I update my account? I've changed my name. How can I update my account?
Please send one of the above, along with your 16 digit Barclays Partner Finance account number, to:
Operations Support, Barclays Partner Finance, PO Box 2501, Cardiff, CF23 0FP.
We can also update the payer name and details on your Direct Debit, however this does not require the above evidence and can be done by completing a Direct Debit Mandate PDF (0.1 MB) and posting it to the same address as above. Please ensure the mandate is signed by the bank account holder whose bank details are being used to setup the Direct Debit.
Updating the name on your Direct Debit will not result in the name on the account being updated also.
Please note, we can change your name for Barclays Partner Finance loans only, if you hold any other products / accounts with Barclays you will need to contact them directly.
Can I setup a ‘third party’ to discuss my account on my behalf? Can I setup a ‘third party’ to discuss my account on my behalf?
If you’d like us to be able discuss your account details with a third party, please visit https://www.barclayspartnerfinance.com/third-party to review the best option available for your circumstances.
Can I transfer my finance into someone else’s name? Can I transfer my finance into someone else’s name?
No, you won't be able to transfer your finance into someone else's name. Direct Debits and manual payments can be made from an account in someone else's name with their express permission. However, the finance itself will always remain in your name.
You can update the payer name and details on your Direct Debit by completing a Direct Debit Mandate PDF (0.1 MB) and posting it to:
Operations Support, Barclays Partner Finance, PO Box 2501, Cardiff, CF23 0FP. Please ensure the mandate is signed by the bank account holder whose bank details are being used to setup the Direct Debit. If your name has recently changed and you need to update your account then please refer to the ‘I’ve changed my name. How can I update my account?’ FAQ for details.
Can I change my term and/or monthly payment amount? Can I change my term and/or monthly payment amount?
As standard, you will not be able to change the contracted term or monthly payments of your finance. However, making additional payments on top of your normal monthly payments can result in the term of the finance being shortened.
If you are looking to change your payment amount as you are struggling with your payments, please get in touch with our Financial Assistance team on 0800 16 15 260 *.
Can I change the agreed mileage on my Personal Contract Purchase finance? Can I change the agreed mileage on my Personal Contract Purchase finance?
No, it isn't possible to change the agreed mileage on your PCP finance.The account holder is deceased. What happens next? The account holder is deceased. What happens next?
If the account holder has passed away the next of kin, or appropriate representative should contact us on 0800 15 22 888 *. Our opening hours are Monday to Saturday 09:00 – 18:00
We'll need an original, certified copy of the account holder's death certificate and a letter detailing any estate to hand over to our specialist probate partners. They'll then be in touch on our behalf to discuss the account in more detail. Please visit our bereavement section for more help. Please note, we can register a death for Barclays Partner Finance loans only. If the deceased holds any other products / accounts with Barclays you will need to contact them directly or visit the Barclays bereavement website.
Can I change my payment date? Can I change my payment date?
You can change your payment date by contacting us on 0800 15 22 888 *. Our opening hours are Monday to Saturday 09:00 – 18:00.
Can I set-up, amend or reinstate a Direct Debit? Can I set-up, amend or reinstate a Direct Debit?
If you would like to set up, amend or reinstate your Direct Debit, please get in touch with us on 0800 15 22 888 *.
Alternatively, you can complete a Direct Debit Mandate PDF (0.1 MB) and post it to:
Operations Support, Barclays Partner Finance, PO Box 2501, Cardiff, CF23 0FP. Please ensure the mandate is signed by the bank account holder whose bank details are being used to setup the Direct Debit. Direct Debits and manual payments can be made from an account in someone else's name with their express permission. However, the finance itself will always remain in your name. You can update the payer name and details on your Direct Debit by completing and sending in the above Direct Debit Mandate.
What is the Direct Debit guarantee? What is the Direct Debit guarantee?
How do I make additional payments by debit card? How do I make additional payments by debit card?
You can make additional debit card payments towards your finance account. Simply call our automated phone service on 0800 15 22 888 * and choose 'make a payment' from the main menu. Monday – Saturday 09:00 – 18:00 and Sunday 10:00 – 17:00 If you plan to make an overpayment and need to discuss how this will impact your account, please contact us on 0800 15 22 888 *.
Please note: debit card payments take 1 working day to clear and deposits into our account via a Barclays branch take 2 working days, so please allow enough time for your payment to reach us. We do not accept payments via credit cards.
How do I make additional payments by bank transfer or standing order? How do I make additional payments by bank transfer or standing order?
For a one-off bank transfer payment, or monthly standing order, please use the details below.
Please add your 16-digit account number as the reference.
UK payments
Account number: 70185604
Sort code: 20-19-90
Republic of Ireland payments
Account number: 42519201
Sort code: 99-02-12
International payments EURO
Account Name: Clydesdale Financial Services Limited
IBAN: IE47BARC99021242519201
Swift: BARCIE2D International Accounts (Non-EURO) IBAN - GB22BARC20199070185604 Swift Code - BARCGB2105N If you plan to make an overpayment and need to discuss how this will impact your account, please contact us on 0800 15 22 888 *. Our opening hours are Monday to Saturday 09:00 – 18:00.
Please note: Bank transfers and standing orders take 3-5 working days to clear. Please allow enough time for your payment to reach us.
How do I make additional payments by cheque? How do I make additional payments by cheque?
Please make cheques payable to ‘Barclays Partner Finance’, including your 16-digit account number on the back. Post them to Barclays Partner Finance, PO Box 2501, Cardiff, CF23 0FP.
If you plan to make an overpayment and need to discuss how this will impact your account, please contact us on 0800 15 22 888 *. Our opening hours are Monday to Saturday 09:00 – 18:00.
Please note: Cheques take 5-10 working days to clear. Please allow enough time for your payment to reach us.
Can I make a lump sum payment towards my finance? Can I make a lump sum payment towards my finance?
You can make a lump sum or 'partial settlement' payment towards your loan at any time. Depending on the type of finance you have, you may also be entitled to an interest rebate – this will be calculated automatically.
To request a partial settlement amount and to discuss how this will impact your account, please contact us on 0800 15 22 888 *. Our opening hours are Monday to Saturday 09:00 – 18:00 .
What will my payments show as on my statement? What will my payments show as on my statement?
Barclays Partner Finance is a trading name of Clydesdale Financial Services, so you may see any variation of either name on your direct debit list or your statement – this is dependent on how your bank reflects the information. If you bank with Barclays, you will see on your statement: Direct Debit to Barclays Partner Finance (or an abbreviation of) with your account reference below. If you have any questions about this, you can always call your bank to ask, and if you bank with Barclays you can call us on 0345 734 5345.
What should I do if the car is stolen? What should I do if the car is stolen?
If the car is stolen, please contact us on 0800 15 22 888 * – be sure to have your insurance company details to hand. Our opening hours are Monday to Saturday 09:00 – 18:00.
You'll need to continue making monthly payments until your insurance company has resolved the matter. If your car isn't recovered, your finance account must be settled in full once any insurance payout has been made.
If you've informed us that your car has been stolen and it's subsequently recovered, you'll need to get in touch to let us know.
What should I do if the car is written off? What should I do if the car is written off?
If the car is written off, please contact us on 0800 15 22 888 * – be sure to have your insurance company details to hand. Our opening hours are Monday to Saturday 09:00 – 18:00.
Remember, you'll need to continue making monthly payments until your insurance company has resolved the matter. Your finance account must be settled in full once any insurance payout has been made. If for any reason the Insurance provider isn’t able to pay out, the finance will still need to paid, please contact 0800 15 22 888* to discuss your options.
What are my responsibilities in the maintenance and condition of the car? What are my responsibilities in the maintenance and condition of the car?
It is your responsibility to keep the car in reasonable condition throughout the term of the finance
When you return a car to us, as part of your PCP or through voluntary termination (VT), we'll assess its condition taking into account the British Vehicle Rental & Leasing Association (BVRLA) guidelines.
If we judge that you have not complied with the terms of your agreement and kept the car in reasonable condition, you will be liable for costs required to repair it
To find out more, visit the BVRLA website or give us a call on 0800 15 22 888 *. Our opening hours are Monday to Saturday 09:00 – 18:00.
Can I take the car abroad? Can I take the car abroad?
You can take the car outside the UK to a country within the EU, but only once a year, and for up to 28 days.
For more information on taking your car abroad, please contact us on 0800 15 22 888 *. Our opening hours are Monday to Saturday 09:00 – 18:00.
Can I change the registered keeper of the car? Can I change the registered keeper of the car?
The primary owner or driver of the car must either be the account holder, or a partner who lives at the same address. This partner can be a married spouse, civil partner or common-law partner.
For the duration of the agreement, either the account holder and/or their partner must remain as:
• the named registered keeper of the car (on the V5C document)
• the holder of a valid, fully comprehensive car insurance policy covering the vehicle.
Can I sell the car? Can I sell the car?
If you decide to sell the car, you'll need to contact us on 0800 15 22 888 * to notify us and get your settlement amount. Our opening hours are Monday to Saturday 09:00 – 18:00.
When are the excess mileage charges from my PCP finance applied? When are the excess mileage charges from my PCP finance applied?
Any excess mileage charges will be applied, and payable, on the date that you return the car. Check your credit agreement for the pence-per-mile rate.
Can I change the agreed mileage on my PCP finance? Can I change the agreed mileage on my PCP finance?
No, we cannot change the agreed mileage on a PCP agreement.What should I do if I want to voluntarily terminate my finance? What should I do if I want to voluntarily terminate my finance?
You're legally entitled to request voluntary termination at any point. If you decide to return your car to your finance provider, you can request this by filling out one of our voluntary termination documents or by writing to us with the relevant information, please see your credit agreement for what is required. Looking to voluntary termination to upgrade or as part of a new car purchase?
Contact us on 0800 15 22 888 *. Exploring voluntary termination due to financial difficulties, or to reduce your monthly costs?
Contact our Barclays Financial Assistance team on 0800 16 15 260 * (landline) / 0333 202 7894 (mobile). Our opening hours are Monday to Friday 09:00 – 17:00 and Saturday 09:00 – 13:00.
What should I do if I want to voluntarily surrender the car? What should I do if I want to voluntarily surrender the car?
If you've received notice from us that we have terminated your motor finance, you can surrender the car voluntarily and avoid legal costs. However, to do this you'll need to contact our Financial Assistance team on 0800 16 15 260 * (landline) / 0333 202 7894 (mobile) within three working days of receiving the termination letter. BFA opening hours Monday to Friday 08:00 – 20:00 Saturday 09:00 – 15:00, closed Sundays and Public Holiday’s. If you return the car to us, it must be in a reasonable condition with the full set of keys and any documentation related to the car.
It's your responsibility to inform the DVLA, once the car has been repossessed, that you're no longer the registered keeper of the car.
I'm worried about the car being repossessed. What should I do? I'm worried about the car being repossessed. What should I do?
If you're having money worries, please contact the Financial Assistance team on 0800 16 15 260 * (landline) / 0333 202 7894 (mobile). BFA opening hours Monday to Friday 08:00 – 20:00 and Saturday 09:00 – 15:00, closed Sundays and Public Holiday’s.
The car has been repossessed. What happens next? The car has been repossessed. What happens next?
Once your car has been repossessed, we'll organise its sale and apply the funds to any remaining balance on your account. You'll then be liable to pay us the outstanding balance following the sale. For more information, please contact our Financial Assistance team on 0800 16 15 260 * (landline) / 0333 202 7894 (mobile). BFA opening hours Monday to Friday 08:00 - 20:00 and Saturday 09:00 – 15:00, closed Sundays and Public Holiday’s.
I’ve purchased a vehicle but was unaware it still had outstanding finance against it. What should I do? I’ve purchased a vehicle but was unaware it still had outstanding finance against it. What should I do?
If you’ve purchased a vehicle that has outstanding finance held with us, and were unaware of this, please give us a call on 0800 15 22 888 *. Once you have spoken to us you will need to complete an innocent party questionnaire. Please only complete the questionnaire if you have been guided to do so by one of our agents and we have already taken a record of the information from you. If you do continue to send without speaking to us first, we will be unable to continue our investigation.
Meanwhile, you should not dispose of the vehicle until our investigations are complete. If you do so, you may be liable to us for damages.
Once we have completed our investigation we will contact you either by telephone or in writing to let you know our decision and what happens next.
I'm finding it difficult to make payments. What should I do? I'm finding it difficult to make payments. What should I do?
If you're struggling with payments, please get in touch with our Financial Assistance team on 0800 16 15 260 * (landline) / 0333 202 7894 (mobile). Our opening hours are Monday to Friday 08:00 – 20:00 and Saturday 09:00 – 15:00. Please note, we can help with Barclays Partner Finance loans only. If you hold any other products / accounts with Barclays that you also need assistance on you will need to contact Barclays.
Can I have a payment holiday? Can I have a payment holiday?
Unfortunately, we don't offer payment holidays. If you're experiencing money worries we may be able to help. Please call our Financial Assistance team on 0800 16 15 260 * (landline) / 0333 202 7894 (mobile). Our opening hours are Monday to Friday 09:00 – 17:00 and Saturday 09:00 – 13:00.
Will I have to pay any charges or fees during a monthly payment plan? Will I have to pay any charges or fees during a monthly payment plan?
No, you won't incur any additional charges or fees if you agree a reduced monthly payment plan. If you need to discuss your plan please contact please contact our Financial Assistance team on 0800 16 15 260 * (landline) / 0333 202 7894 (mobile). Our opening hours are Monday to Friday 08:00 – 20:00 and Saturday 09:00 – 15:00.
Will making reduced repayments affect my credit rating? Will making reduced repayments affect my credit rating?
Once we've set up an agreed reduced payment plan, we'll inform the credit reference agencies (Experian, Equifax or TransUnion) of this arrangement. We'll also provide them with details of your new monthly payment amount and start date.
Each agency records this information, however they may use it in different ways, so you'll need to contact them individually to find out how your credit rating may be affected.
Where can I find free, independent advice? Where can I find free, independent advice?
If you’re ever struggling financially or would like some impartial and confidential advice, here are some details of organisations who may be able to help. MoneyHelper – visit moneyhelper.org.uk StepChange Debt Charity – call them on 0800 138 1111 or go to stepchange.org.uk National Debtline – if you live in England, Scotland or Wales, go to nationaldebtline.org or call 0808 808 4000. For help managing your money, use their digital advice tool Citizens Advice – visit your local Citizens Advice or go to citizensadvice.org.uk Samaritans – call 116 123 at any time or email jo@samaritans.org
What should I do if I want to voluntarily terminate my finance? What should I do if I want to voluntarily terminate my finance?
You're legally entitled to request voluntary termination at any point. If you decide to return your car to your finance provider, you can request this by filling out one of our voluntary termination documents or by writing to us with the relevant information, please see your credit agreement for what is required. Looking to voluntary termination to upgrade or as part of a new car purchase?
Contact us on 0800 15 22 888 *. Exploring voluntary termination due to financial difficulties, or to reduce your monthly costs?
Contact our Barclays Financial Assistance team on 0800 16 15 260 * (landline) / 0333 202 7894 (mobile). Our opening hours are Monday to Friday 09:00 – 17:00 and Saturday 09:00 – 13:00.
What should I do if I want to voluntarily surrender my car? What should I do if I want to voluntarily surrender my car?
If you've received notice from us that we have terminated your motor finance, you can surrender the car voluntarily and avoid legal costs. However, to do this you'll need to contact our Financial Assistance team on 0800 16 15 260 * (landline) / 0333 202 7894 (mobile) within three working days of receiving the termination letter. BFA opening hours Monday to Friday 08:00 – 20:00 Saturday 09:00 – 15:00, closed Sundays and Public Holiday’s. If you return the car to us, it must be in a reasonable condition with the full set of keys and any documentation related to the car.
It's your responsibility to inform the DVLA, once the car has been repossessed, that you're no longer the registered keeper of the car.
I'm worried about my car being repossessed. What should I do? I'm worried about my car being repossessed. What should I do?
If you're having money worries, please contact the Financial Assistance team on 0800 16 15 260 * (landline) / 0333 202 7894 (mobile). BFA opening hours Monday to Friday 08:00 – 20:00 and Saturday 09:00 – 15:00, closed Sundays and Public Holiday’s.
My car has been repossessed. What happens next? My car has been repossessed. What happens next?
Once your car has been repossessed, we'll organise its sale and apply the funds to any remaining balance on your account.
You'll then be liable to pay us the outstanding balance following the sale.
For more information, please contact our Financial Assistance team on 0800 16 15 260 * (landline) / 0333 202 7894 (mobile). BFA opening hours Monday to Thursday 08:00 – 20:00 Friday 08:00 – 19:00 and Saturday 09:00 – 16:00, closed Sundays and Public Holiday’s.
What are my options at the end of my personal contract purchase finance? What are my options at the end of my personal contract purchase finance?
Your options are detailed below.
Option 1 – Keep the car
To do this, you must make the final payment (which includes the balloon payment figure specified within your credit agreement) on or before its due date. Provided you've followed the terms of the finance and made all required payments, you'll then become the legal owner of the car Option 2 – Part-exchange
You can visit any dealer (including your supplying dealer) to discuss part-exchanging your existing car and settling the outstanding balance of your PCP finance.
Option 3 – Return the car
To do this, you need to complete a Request for The Return of Motor Vehicle at End of Contract (PCP) form. This will be sent to you in the post as part of your ‘PCP End-of-Term’ pack, approximately 3 months before the end of your finance. If you don't return this form at least 21 days before your final payment date, we'll automatically collect the final payment by Direct Debit. You can return this form by email also by sending it to: recoveries@barclays.com
Please note: If you choose to return the car, a vehicle assessment report will be completed on its condition in line with British Vehicle Rental & Leasing Association (BVRLA) guidelines. Once the car has been sold we will calculate the amount that you may owe, including any charges incurred such as costs to bring the vehicle into a reasonable condition, and let you know the total amount due.
When are the excess mileage charges from my PCP finance applied? When are the excess mileage charges from my PCP finance applied?
Any excess mileage charges will be applied, and payable, on the date that you return the car. Check your credit agreement for the pence-per-mile rate.
What is a balloon payment? What is a balloon payment?
A balloon payment is a lump sum owed to the lender at the end of a finance agreement. Loans with a balloon payment option typically results in lower monthly repayments, as you are deferring part of the cost to the end of the contract. At the end of your loan agreement if you decide to keep the car you will need to pay the balloon payment in full.
If you decide to part exchange your car then no balloon payment is required as long as the value of your car is still greater than the outstanding balance. If you wish to keep the car but can't pay this, or you are having financial difficulties, please get in touch with our Financial Assistance team on 0800 16 15 260 * (landline) / 0333 202 7894 (mobile). Our opening hours are Monday to Friday 08:00 – 20:00 and Saturday 09:00 – 15:00.
Does Barclays own my car until I've fully paid? Does Barclays own my car until I've fully paid?
Yes, if you have conditional sale or PCP finance then Barclays Partner Finance will hold 'title' to the vehicle. This means that your vehicle will show on the HPI register for the duration of the finance agreement.
This will end when the loan is settled in full, or if the car is returned voluntarily, repossessed, or written off in an accident settled via insurance.
Will I receive written confirmation that my finance has been paid in full? Will I receive written confirmation that my finance has been paid in full?
We don't automatically send confirmation when your finance has been paid in full.
If you want confirmation, please get in touch with us on 0800 15 22 888 *. Our opening hours are Monday to Saturday 09:00 – 18:00.
Do I need to cancel my Direct Debit? Do I need to cancel my Direct Debit?
No. We'll stop taking Direct Debit payments once your finance is paid in full. If you settle your account manually, via a Debit Card, Bank Transfer or Cheque, your next Direct Debit may already be pending. In this event, you'll have to contact your current account provider, they may be able to stop the payment. If they can’t, we'll refund any overpayments back to the account that payments are made from once the Direct Debit has cleared. Direct Debit payments can take up to 10 days to clear. The Direct Debit will need to remain active and in place for us to refund you in this way therefore, please do not cancel your Direct Debit until the refund is back into your account.
What are my rights to withdraw from the finance? What are my rights to withdraw from the finance?
If you change your mind, you can withdraw from the finance within 14 days starting the day after you sign the agreement – or when we confirm to you in writing that you've entered into the agreement, if this is later. To withdraw from your finance get in touch on 0800 15 22 888 * or write to us at: Barclays Partner Finance, PO Box 2501, Cardiff, CF23 0FP. Our opening hours are Monday to Saturday 09:00 – 18:00.
If you withdraw from the finance and we've already paid the retailer for the goods/services, you'll have to repay the value of the goods/services (plus any services or insurance) to us. You need to do this within 30 days of the date you asked to withdraw from the finance, and we won't charge you interest or other charges during that time. If you don't pay all amounts due in full, the finance will continue. However, if you do the goods will belong to you.
Does withdrawing from the finance cancel my purchase from the retailer? Does withdrawing from the finance cancel my purchase from the retailer?
No. If you withdraw from the finance your purchase from the retailer is not also withdrawn/cancelled. You will need to pay for the goods/services or contact the retailer directly to cancel your purchase (if possible).
If you’re still not happy with how things turn out, get in touch with our team on 0800 15 22 888 * and we'll see how we can help. Our opening hours are Monday to Saturday 09:00 – 18:00
What are my rights when it comes to paying off my finance early? What are my rights when it comes to paying off my finance early?
You can pay off your finance in full at any time. Once your cooling off (right to withdraw) period has passed you can get in touch with us to request a settlement amount, so you know exactly how much you still need to pay. Your settlement amount will remain valid for up to 28 days. Please ensure you do not cancel your Direct Debit or other monthly payment method until your account is fully paid as your account may fall into arrears. We’ll stop taking Direct Debit payments once your finance is fully paid and if you inadvertently make any over-payments, we will refund these automatically to the account they were made from.
You can also make one-off or regular additional payments on top of your scheduled Direct Debit if you like. To discuss any of these options in more detail please, get in touch with us on 0800 15 22 888 *. Our opening hours are Monday to Saturday 09:00 – 18:00.
How is a settlement amount calculated? How is a settlement amount calculated?
When we calculate a settlement amount, we add on 1 month and 28 days' interest. This settlement amount is valid for 28 days and during this period the interest on your account is frozen. Please ensure you do not cancel your Direct Debit or other monthly payment method until your account is fully paid as your account may fall into arrears. We’ll stop taking Direct Debit payments once your finance is fully paid and if you inadvertently make any over-payments, we will refund these automatically to the account they were made from.
If you don't pay the settlement amount within this timeframe, the full interest charge (as shown in the settlement breakdown notes) will be added to your balance.
The interest you pay as part of your settlement amount may differ depending on the type of finance you have. To discuss your individual account(s) give us a call on 0800 15 22 888 *. Our opening hours are Monday to Saturday 09:00 – 18:00.
What will happen if I've settled my agreement and made an overpayment? What will happen if I've settled my agreement and made an overpayment?
If you've made an overpayment via Direct Debit, once the Direct Debit has cleared, we'll refund this back to the account that payments are made from. Direct Debit payments can take up to 10 days to clear. The Direct Debit will need to remain active and in place for us to refund you in this way therefore, please do not cancel your Direct Debit until the refund is back into your account. If you've overpaid through a manual payment, such as a standing order, card or cheque payment, please get in touch with us on 0800 15 22 888 *. Our opening hours are Monday to Saturday 09:00 – 18:00.
What should I do if I want to voluntarily terminate my finance? What should I do if I want to voluntarily terminate my finance?
You're legally entitled to request voluntary termination at any point. If you decide to return your car to your finance provider, you can request this by filling out one of our voluntary termination documents or by writing to us with the relevant information, please see your credit agreement for what is required. Looking to voluntary termination to upgrade or as part of a new car purchase?
Contact us on 0800 15 22 888 *. Exploring voluntary termination due to financial difficulties, or to reduce your monthly costs?
Contact our Barclays Financial Assistance team on 0800 16 15 260 * (landline) / 0333 202 7894 (mobile). Our opening hours are Monday to Friday 09:00 – 17:00 and Saturday 09:00 – 13:00.
What should I do if I want to voluntarily surrender my car? What should I do if I want to voluntarily surrender my car?
If you've received notice from us that we have terminated your motor finance, you can surrender the car voluntarily and avoid legal costs. However, to do this you'll need to contact our Financial Assistance team on 0800 16 15 260 * (landline) / 0333 202 7894 (mobile) within three working days of receiving the termination letter. BFA opening hours Monday to Friday 08:00 – 20:00 Saturday 09:00 – 15:00, closed Sundays and Public Holiday’s. If you return the car to us, it must be in a reasonable condition with the full set of keys and any documentation related to the car.
It's your responsibility to inform the DVLA, once the car has been repossessed, that you're no longer the registered keeper of the car.
Will I receive written confirmation that my finance has been paid in full? Will I receive written confirmation that my finance has been paid in full?
We don't automatically send confirmation when your finance has been paid in full.
If you want either digital or written confirmation, please get in touch with us on 0800 15 22 888 *.
Do I need to cancel my Direct Debit? Do I need to cancel my Direct Debit?
No. We'll stop taking Direct Debit payments once your finance is paid in full. If you settle your account manually, via a Debit Card, Bank Transfer or Cheque, your next Direct Debit may already be pending. In this event, you'll have to contact your current account provider, they may be able to stop the payment. If they can’t, we'll refund any overpayments back to the account that payments are made from once the Direct Debit has cleared. Direct Debit payments can take up to 10 days to clear. The Direct Debit will need to remain active and in place for us to refund you in this way therefore, please do not cancel your Direct Debit until the refund is back into your account.
What should I do if the goods I bought/services I received are faulty? What should I do if the goods I bought/services I received are faulty?
Before getting in touch with us, please give the retailer a chance to sort things out. Explain to them what’s happened and how you'd like things put right.
If you’re still unhappy with how things turn out, give us a call on 0800 15 22 888 * and we'll see how we can help. Our opening hours are Monday to Saturday 09:00 – 18:00.
What are my rights with faulty goods/services? What are my rights with faulty goods/services?
Barclays Partner Finance may share equal responsibility with the retailer for certain claims, under Section 75 of the Consumer Credit Act 1974 (often referred to as a “section 75 claim”).
This means we'll try to help investigate and resolve any issues with what you've purchased.
There's a problem with the car I financed, am I entitled to a courtesy car? There's a problem with the car I financed, am I entitled to a courtesy car?
Barclays can't directly provide you with a courtesy car. The retailer may be able to provide a courtesy car in some cases, however this will be based on their terms and availability.
There's a problem with the car I've financed, can I arrange repairs myself? There's a problem with the car I've financed, can I arrange repairs myself?
You can arrange repairs yourself. However, this may void any warranty you have in place. We suggest that you contact the retailer in the first instance.
Do I need to continue to make payments whilst my claim is ongoing? Do I need to continue to make payments whilst my claim is ongoing?
Yes, you still need to keep up your contractual payments during any claim investigation. Any missed or withheld payments will result in your account falling into arrears and being reported to the credit reference agencies, as explained in your credit agreement.
What if I need to discuss a claim that I've already raised? What if I need to discuss a claim that I've already raised?
We will look to contact you with any updates or if we require any further information, however you can contact us if you want to discuss your claim by:
• Calling us on 0800 15 22 888 *. Our opening hours are Monday to Saturday 09:00 – 18:00.
• Sending an email to BPFSection75Claims@barclayscorp.com - please note we cannot process any enquiries relating to coronavirus through this email address.
Please note: To ensure privacy, there may be occasions when we need to respond by post.
I want to make a claim under section 75 of the Consumer Credit Act, what are my rights? I want to make a claim under section 75 of the Consumer Credit Act, what are my rights?
You’ll usually be able to make a Section 75 claim as long as:
If you wish to raise a Section 75 claim, before getting in touch with us, please give the retailer a chance to sort things out. Explain to them what’s happened and how you'd like things put right.
If you’re still unhappy with how things turn out, give us a call on 0800 15 22 888 * and we'll see how we can help. Our opening hours are Monday to Saturday 09:00 – 18:00.
Alternatively, you may contact us by sending an email to BPFSection75Claims@barclayscorp.com.
