Having had a fairly poor credit rating, I approached Car Credit UK, whose salesperson phoned back later to confirm that they could help. I drove to their premises arriving at about 11am where I was given a short test drive in my chosen car and was then kept waiting for most of the afternoon while they completed the paperwork. The price was about £700 more than the car was worth and the interest rate on the loan was high, but when you don't have access to high street finance, what choice do you have? I foolishly believed the salesperson when I was told that the car had been given a full check, came with a year's MOT and was covered by a mechanical breakdown warranty. In fact, the car had a short MOT and had obviously not been anywhere near a competent mechanic for some time. I spotted a couple of defects myself which they told me would be rectified; they were not. They arranged for an MOT test at a local garage, which was carried out in approximately 20 minutes and a certificate issued. I left wondering just how long it should take to properly carry out an MOT test and found out to my cost a couple of months later, when the front brake pads had to be replaced (I should have been advised that they were low as part of the "safety check" and also by the MOT examiner). Not long after that, the water pump failed and so it was back to the local (reputable) garage to have that replaced. Why didn't I claim against the warranty? Because I don't even think one exists, having asked for the relevant warranty booklet on three separate occasions and having my request ignored each time. This car has ended up costing me something like £2000 over the correct book price (overpriced by £700, high cost of finance, £700, repairs and rectification of faults, £600). I do not recommend this company. Oh, by the way, the car didn't have a tax disc either.

I brought a car from Car Credit UK Chiswick only to find there was no Road Tax. so I had to leave and purchase my own, extra expense. A year later I went over my paper work as I wanted to query my RAC cover for breakdown and Mechinal Breakdown to find out that it was never paid by Car Credit. I then decided to query my car finance only to find that I have been spending the last year paying for interest and that it would now take me another 2 years to finish paying for the car and then I would have a further final payment to pay of £1,558.00. I am not impressed as I am a single parent and would not deal or recommend anyone to use this company again.

Was invited to Car Credit UK Chiswick, promised £250 cashback...didn't get it, promised a DVD player...didn't get it, promised a Chrysler Voyager...didn't get it. They initially delivered wrong car. After six days received my car which then spent the next two weeks being repaired...

I purchased my Ford Fiesta December 2004, although being a 53 plate came with a pointless obviously forged or even made up MOT certificate, as when I came to buy the car all the tyres were bald, no spare, and so on & of course no MOT would be passed with these faults, and obviously an MOT certificate is not needed for the first three years after the cars manufacture.
Within a few weeks I came to use the power outlet to charge my phone and found it didn't work, assuming it may have been the charger I didn't pay much attention, a few months after maybe around May I lent the car to friends, whom smoke, and when he came to use the outlet found the outlet also didn't work for him.
Soon after this the car being a three door, to gain access the back you pull the seats forward, I found the passenger seat wouldn't open and for some reason is stuck in a seated position with no access to the back seats in the car, other than going to the other side of the car having the driver jump in and out to let people in. what happens I ask my self when this seat does the same?
Having had the car a year now I have decided to arrange a service, the mechanic has said the car needs a lot of attention the engine is in a bad state.
Obviously with all that is mentioned and still having the car within it's year warranty provided from Car Credit UK, I looked up the number for them in order to contact them about the problems, and I have found that the number is no longer in use. What can I do?

Had my car from Car Credit UK for 18 months now, I have had it in the garage 3 times (local to my home), on failing it's MOT, I was told the engine is on it's way out! Six months later, burned valves, 2 months later Piston had it! Was told by my mechanic, this car is not worth a carrot! Cam shaft is worn, it should be oval, but this one is round!

Have had to declare car SORN, still got to pay the finance company, they are obliged to re-posess, but was informed by then that if they do, I will still have to pay the outstanding balance on the car. RIP OFF! I would use harsher words, but I am too nice for that!

I am stuck with a heap of metal, not going anywhere, and still paying for!

DO NOT EVEN GO THERE.

Just arrived back from Car Credit UK Walsall. After a 70 mile round journey with for small children I am not a happy bunny.
Pre visit I enquired if the stock that was on show would suit my needs (large MPV) and was told that there was a large stock that would.
On arrival I was greeted by the worn RAC flags and a car lot that resembles Albert Square but on a larger scale.
A man strolled out of the office and asked if I had an appointment to which I was told the person I had the appointment with wasn't there. Without even greeting me he asked for my paperwork to which I said that nothing meets my needs can I see a stock list. He said no so I said thanks and started loading my children into my car.The salesman then shouted O.K. and spoke to another man and said that I couldn't see the stock list and I was here because I had bad credit. I said thanks but no thanks and again loaded my children into my car too which I was greeted with a shout from 10 yards away "pay your mortgage and you wouldn't be here"

PROFESSIONAL and PRICELESS.

Good luck for anyone who goes to Walsall.

From what I've read I've had a lucky escape, I applied to the Car Credit UK car supermarket through the web and had a phone call from their Walsall branch, after giving all my details an appointment was made for the following Monday, on Saturday I had a phone call saying the credit was there but the 'special rates' could only be promised for that weekend so could I get up there.
We travelled up after double checking which documents were needed, on arrival the sales yard was my first warning, old rusty signs and scruffy but I thought maybe they had just took it over.
My wife luckily stayed with the car, whilst I went round to the back office where I handed my documents over, the salesman vanished off and after a long wait returned and helpfully asked what type of car I needed etc and saying they would take my car as trade in and vanished with my documents. Yet another wait of 20 mins before he came back telling my maximum repayments they would allow a week, and asking what I could afford, after me setting my limit, he left only to return after yet another delay to cross question me to see if I possibly had more income. Unknown to myself he had at the same time been to my wife cross questioning her.
He then vanished again, I assume with what I was to learn later that I was meant to think they were desperatly trying to help me, in fact what he had actually done was gone and just sat around in the office doing nothing, no wonder he wanted my wife away from the car where she had a clear view of the front office. The cars in the forecourt had no prices and obviouslly when he returned I assumed he would have worked out which car I could afford but no more delays. By now 3 hrs had passed, my baby was crying and my documents had vanished. The delays actually had instead of making me think they were working for me, made both my wife and myself more suspicious, my wife phoned my mobile and said lets go. I then went round to the front office and walked in, well the staff seemed to go into shock at a customer entering their inner sanctum and I was hurried out by a young female salesman. With my daughters crys now filling the forecourt I explained that I couldnt wait any longer and I needed to see the salesman and retreive my documents and leave, well that was easier said than done, after standing there for 20 minutes and no sign of documents I lifted my mobile to my ear and magically out popped our salesman complete with another member of staff asking what the matter was, I explained calmly that we had explained about bringing the baby and he had said we'd be driving home in 2hrs with our car, the answer 'well how long did you think it would take.' I then said that I'd forget it and wanted my documents well another 10mins and another show of the phone and my documents appeared with the comment 'thanks for wasting my time' Well I thought thats the end of that and a lucky escape but no the next morning the phone rang and a female salesperson on the line, well I was just about to go on a 300 mile round trip journey so asked for her to phone the next day, well thats today and up to now no call thankfully. I know they help people with poor credit but we're the customers and a bit of customer service would be nice. Also the apr rates where never mentioned, what was said was that after 2 years the car was paid for and the other 2 years would be spent paying the interest so after the first 2 years it was time to trade it in for a newer model, so are we paying double the cost or is it my bad maths. If you do want to see the Walsall office its on Bloxwich Road, just go along before the railway bridge and theres a yard with RAC flags thats the place, just becarefull if you go around the back, lots of grease and old engines to avoid.

My experience of the Car Credit UK car supermarket began when someone phoned me and asked if i was still in the market for a car, as i had been looking for quite a while and after a bad experience at yes car credit (was left waiting for 6 hours and when i asked for my docs back they refused) i was a bit dubious about trying again but the salesman on the phone assured me that they would not invite me to the showroom unless he was sure he could help me, so i gave him my details and started the process in about 2 hours i was assured that if i attend my appointment there was no reason why i could not drive away a new car that day. when i got to the showroom in Plymouth i was met by Paul who explained how everything was going to happen after about 2 hours sure enough i was on the phone to my insurance company to change my policy. I can honestly say car credit uk are helpful honest and sure to their word, i would reccomend them to any one.

After being told endlessly on the phone by an assistant at Car Credit UK Walsall branch of how good she was at her job she took my details and told me that she wouldn't ask me to visit them until she thought that she could help me. I was giving a provisional approval number and asked to ring back in two hours. When I did I was given the impression that they had sourced me finance (Quote: "we wont waste your time bringing you down here if we cant help") and arranged a time to visit. Now I live two hours away in Lincoln and I drove down there with my family having the impression I would be driving home in a new car. We picked a car we liked then kept waiting for a long time only to be told they were not able to help. I was very angry at this as I wouldn't have made the journey if I wasn't told that the finance was approved. So after losing 8 hrs of work & petrol money I have nothing to show for it. Very fed up.

Your health is at risk if you buy from Car Credit Uk.


Huge APR.
Cheating and misrepresentation is in common, not trustworthy.
Not helpful, forget everything what they promised before the sale.

My car that in total cost me 19K has been to a garage on the following day of the sale and six times after that within the six months I have the car.
The car BMW V reg has been bought from Croydon Car Credit UK garage.
Before I signed agreement the guy was very polite and helpful but afterwards it has been nightmare.
No promised service history, extra payments for a warranty, no tax disk, missing mats and cd changer. No after sale customer service.
AA has inspected the car: the previous owner due to not recorded accident has replaced the wing, major suspension failure, air flaw meter has to be replaced.
It is not the car in A1 condition according to their manifest.
Anyway, stay away from those people!!!

My experience of Car Credit UK started when I was rang up by someone asking me if i still interested in car finance, I had been looking for a while now and have been turned down a few times.
I gave them my details and was told I would be called back by a dealership, I ended up calling them back but anyway they put me through to my nearest dealership which was Car Credit UK in Warrington. I live not far away from there so it was handy, they said they would invite me in once they could offer me finance as there is no point going in unless they could offer me finance.
When I went in I was explained everything from start to finish, I had to take documents with me the usual drivers license utilities bills passport etc and then when they had a copy I went to have a look at the cars. They have a really big stock of them and took one for a test drive and went home with it that day. I have had the car for a few months now and am very happy with it, I am very greatful to car credit uk as they finance the car and not your house which is where I have gone wrong with other companies as I have a bad credit rating. The serviceIi recieved was a really good one and was not like what other people have said on this site the young lad who was my salesman was very kind and very understanding.

I have to begin by axplaining that my credit rating isn't the best in the world, but it definitely not the worst. I had previously been to Yes Car Credit, who were extremely unhelpful and rude. Talk about pressure, I was kept in there for 6 HOURS!!!!!

Then I received a brochure from car credit uk. I was a bit dubious about this but I decided to find out more.

Because I live in Falmouth (Cornwall) I was passed to the Plymouth branch, where I spoke to a young lad called Phil. Right from the start, this guy was polite and helpful. He took my details and told me that he wouldn't ask me to visit him until he thought that he could help me. It turned out he could...

When I was at the branch I found the service prompt, and helpful. They got finance for me on a Honda CRV 4x4 AND got my payments to where I wanted it to be.

Yes car credit didn't even have 4x4's let alone anything else I would look at!!

I would definetely recommend the Plymouth branch and Car Credit UK to anyone!!!

Car Credit UK in Plymouth got real mad at me because I refused the car offered, the manager screwed up paperwork and told me I had wasted his time he stormed off mumbling and I had to wait for my paperwork to be returned since then I have had constant phone calls from them saying he had been sacked and to call in to the office and they will sort me out with a car. Once you have contacted them they bug you daily trying to get you to go in to see about a vehicle and they seem so helpful untill you dont want the car they push on you.
By the way I asked for a family saloon they offered an oldish Astra which looked worse than my Cavalier.

I visited Glasgow office of Car Credit UK Loans in 11 May 2004. Some small points about that:

I was not shown any cars until I gave them my documents (passport, dr. licence, proof of address and bank statements). My document were taken to another room "to make a copy from them". (On my first request they refused to return my documents and explain why they need to keep my papers longer.)

They even asked me to leave my credit card with them in a separate room while we are discussing the range of avaliable cars. (I did not give my card for obvious reasons).

I asked several times about prices on cars but I was not told any price on any car. They made pressure on me and discussed only how much I need to pay monthly. It was not mentioned how long I have to pay for.

I can write more about this visit but I think I said enough. My conclusion is : I will not recommend to buy cars/take loans from this company. Thanks.

I bought a car from Car Credit UK in Warrington last month (march 2004), I travelled from North Wales with two babies. I was kept waiting around for 5 hours and then drove away in a Ford Focus after a part exchange with my Ford Escort 1.8 d, a week later I recieved a phone call saying my finance agreement had been rejected, I said sorry I don`t understand as the car was outside my house and i`d already had it a week, I was told she would call me back. I then called Car Credit in Warrington they said they didn't know who the woman was and to forget about it as my finance had gone through. 20 mins later a 6" foot 4 bloke was banging on my door shouting he wanted the keys for the car, I called Car Credit and was told to phone the police I did. The man was standing at window waving a lump hammer saying ive got 5 mins to give him the keys or he would smash my window, the police arrived but the man had documentation from car credit to take the car so they were powerless to do anything, my car I part exchanged was returned to me some 7 days later after I called day after day to be told tomorrow, tommorrow came a week later and my mileage had been changed to a lot lower than what it should have been ........ stay clear of them they are bad news.

I enquired about finance at Car Credit UK. I was given official ok by manager booked flights and ferry [n.i.] on day of flight I rang to confirm documentss etc and was told I had been declined for finance. I Was told it wasnt their problem and now Im out of pocket .NOT RECOMMENED

We bought a Vectra from Car Credit Uk in Birmingham. The car lasted 3 months before the Rocker cover gasket and the spark plug went, then a week later the catalytic converter went. All this lead me to believe that the car was not serviced before we purchased it. We also had signed up for extended warranty which none of the above was covered the car cost us nearly £700 in under 4 months. We kept it for another 2 months before I stopped making payments and it was repossessed. I spoke to the finance company and complained about Car Credit Uk but there was nothing they could do. These companys are setup to rip people off legally and naive customers like myself and anybody else who bought from them are easy targets. Absolutely disgusting no wonder we are labelled Rip Off Britain.

The car bought from Car Credit UK four months after the purchase has been to the garage 5 times
Salesman conned me to sign agreement with 46 apr
No credit history
Complicated web of communication to find the right people
In no way it is going to help you to rebuild credit history
Dealing with Car Credit UK could seriously damage your health

I purchased a car last yearwith Car Credit UK, there were problems with it, they kept saying the the person who is dealing with it is away and when they returned 3 weeks later they said it wasn't within the 30 day problem period and was out of their hands. I was not told specifically about cartain parts of the agreement that in my eyes needed to be understood by the customer. for example there was meant to be free gap insurance but I actually ended up paying three thousand pounds for it. and I am currently trying to part exchange it because of all the problems I've had.