Excess mileage charges can be due at the end of Personal Contract Purchase (PCP) agreements, but only in certain circumstances. Specifically if you choose to return the vehicle to Volvo Car Financial Services UK Ltd at the end of your agreement and if you have exceeded your agreed mileage limit. In such cases a pence per mile charge is applied to the number of miles by which you exceeded your limit. The pence per mile rate is set at the outset of your agreement and is clearly shown within your agreement documentation.

Under certain circumstances we may allow you to reschedule your Optional Final Payment. Please speak with a member of our Customer Services team if you would like to discuss this.

You may need to confirm whether we hold any financial interest in your vehicle. You can find out by contacting Customer Services directly on 0800 085 1541 and we will be happy to assist you.

You have three options relating to the final payment on your Personal Contract Purchase (PCP) agreement, listed below.

Retain the vehicle by paying the Optional Final Payment.

Return the vehicle, there’s nothing more to pay if the car is in good condition and within the agreed mileage terms.

Renew the vehicle, by part exchanging at a supporting retailer, using any excess part exchange value that is above the Optional Final Payment towards your deposit.

If you have any questions regarding your options you can contact our Customer Services department on 0800 085 1541.

When applying for finance you will be required to supply certain personal information, as well as be able to confirm your identity.

You will need to provide a full UK driving licence. We may also ask you for a further proof of address dated within three months of submission of your application.

Acceptable proof of address includes bank or credit card statement, utility or council tax bills, or mortgage statements.

The supplying retailer should provide this information. If for any reason you are unsure there are a number of organisations through which you can check directly, such as:
Experian
RAC
The AA

Yes, you have the right to partially settle it at any time.

Please contact our Customer Services department on 0800 085 1541 for further information.

No, this is not possible other than in exceptional circumstances. Please speak to a member of our Customer Services team if you would like to discuss this further. Please note that agreement transfers are subject to an Account Management charge.

Unfortunately we are unable to change the agreed annual mileage on a Personal Contract Purchase agreement as it is taken into consideration when calculating the Optional Final Payment of your vehicle at the outset of your agreement.

To see our list of Account Management and Arrears Management fees please click here.

If you wish you may change the date on which we take payment from your account, however please note the following:
• You may only change your payment date once in a 12 monthly period.
• The first change after the inception of your agreement will be free. For further changes a fee of £25.00 will be charged, payable by card before the change is made.
• The change cannot be made within four working days of your payment date.

If you have a Personal Contract Purchase (PCP) agreement
• You may change your payment date at any time up until the Option Final Payment due date
• Your payment date can only be changed once in the entire life of your agreement as this would affect the Option Final Payment of your vehicle

If you would like to request a change to your payment date please call Customer Services directly on 0800 085 1541 where we will be happy to assist you.

Under the Data Protection Act we are only permitted to talk to you about your finance agreement unless you have specifically nominated a third party to speak on your behalf. To nominate a third party please contact our Customer Services department on 0800 085 1541.

Please note that whilst we may talk to a nominated third party about your agreement, only you, as the agreement holder, are able to make any changes to the agreement.

For any change of name please write to us at the address shown below, submitting with your letter a photocopy of any relevant supporting documentation such as marriage certificate, decree nisi/absolute, or deed poll notice. We also require copies of your new and old signature. Please do not send original documentation.

Customer Service Department
Volvo Car Financial Services UK Ltd
86 Station Road
Redhill
Surrey RH1 1SR

For changes to address or contact details please contact our Customer Services department by emailing CustomerServices@vcfsuk.co.uk or by calling 0800 085 1541

It’s important that we know if you have changed your bank account so we can continue to receive your payments. For changes on individual bank accounts just call us on 0800 085 1541 and we’ll set up the direct debit over the phone. For changes to joint signatory accounts, please click here to open and print a new direct debit mandate, then post it us at;

Customer Services Department
Volvo Car Financial Services UK Ltd
86 Station Road
Redhill
Surrey RH1 1SR

Please note, in order to collect your monthly payment on time we require a minimum of 5 working days to set up a new direct mandate.

Please send a letter together with a photocopy of any relevant supporting documentation, such as marriage certificate, decree nisi/absolute or deed poll notice to:

Customer Services Department
Volvo Car Financial Services UK Ltd
86 Station Road
Redhill
Surrey RH1 1SR

Please do not send any original documentation.

If you’ve made an extra payment by direct debit an automatic refund will be made to the bank or building society account from which the payment was taken. If the overpayment has been made by some other means, such as a bank transfer, cash, cheque or standing order, a refund will be made upon receipt of proof of the payment.

Yes, you have the right to partially settle it at any time. Please contact our Customer Services department on 0800 085 1541 for further information.

You will need to pay the amount financed plus the daily interest charges. These amounts will be detailed in the payments section of your finance agreement.

Please call our Customer Service Department within 14 days of receipt of the copy of your executed agreement from Volvo Car Financial Services UK Ltd on 0800 085 1541 to advise them you intend to withdraw from your agreement. You will then need to confirm this in writing by sending a signed letter that includes your name, address and agreement number to:

Customer Services Department
Volvo Car Financial Services UK Ltd
86 Station Road
Redhill
Surrey, RH1 1SR

For alternative payment methods, please follow the instructions below:

BACS/Direct Debit/Standing Order
To make a BACS/Direct Debit/Standing Order payment please use the following account details:
Payee Name: Volvo Car Financial Services UK
Sort Code: 09-06-80
Account No: 10933673

To ensure your payment gets allocated to the correct agreement please enter your agreement number as the reference number when making any on-line payments.

Payment by Chaps/TT
To make a Chaps/TT payment please use the following account details:
Payee Name: Volvo Car Financial Services UK
Sort Code: 09-02-22
Account No: 10933673

To ensure your payment gets allocated to the correct agreement please enter your agreement number as the reference number when making any on-line payments.

Payment by Cheque
Please send your cheque to:
Volvo Car Financial Services UK Ltd
86 Station Road
Redhill
Surrey
RH1 1SR

Please make your cheque payable to Volvo Car Financial Services UK Ltd
To ensure your payment gets allocated to the correct agreement please put your agreement number on the reverse of the cheque.

This letter is automatically generated for your information when one of our supporting retailers requests a settlement figure on your behalf. It is a legal requirement that we inform you when a settlement figure has been requested, however no action is required from you.

If you would like to make an additional payment on your vehicle agreement, please call Customer Services directly on 0800 085 1541 and we will be happy to assist you.
Before making the call, please have the following information available:
• Your current finance agreement number (14 digit code listed on the first page of your finance agreement)
• Your vehicle registration number
• The amount you are currently paying each month on your agreement

Provided your agreement is regulated by the Consumer Credit Act, you have 14 days from receipt of the copy of your executed agreement from Volvo Car Financial Services UK Ltd to cancel the agreement. Please note that cancellation of the finance agreement does not cancel the sale of the goods themselves.

Under the Consumer Credit Act 1974 you have certain termination rights. For further information about these rights please refer to page 1 of your agreement, ‘termination: your rights’. Please note that these rights are not applicable if you have a Fixed Sum Loan agreement.

If you wish to voluntarily terminate your agreement you may inform us via email. Please direct your email to customerservices@vcfsuk.co.uk and include your full name, agreement number and contact phone numbers.

Alternatively, you can request to voluntarily terminate your agreement in writing. Written requests should be sent to:
Voluntary Terminations Department – Arrears Management
Volvo Car Financial Services UK Ltd
86 Station Road
Redhill
Surrey, RH1 1SR

Should your financial position change in a way that will affect your ability to make your monthly repayments it is extremely important you contact us immediately. If we are made aware of your circumstances as soon as possible it is likely we will be able to help you find a solution. In all such instances please contact our Arrears Management department on 0800 085 1541.

No, once we have agreed to accept a reduced level of monthly repayment you will not incur any late payment fees or additional charges provided you honour that agreement.

Once the payment arrangement has been finalised and the monthly instalments return to normal, any additional missed payments will result in fees being incurred.

We have a duty to provide a true and accurate reflection of the financial conduct of our customers and as such register all activity with credit referencing agencies. If your account falls into arrears, therefore, this information will be registered with these agencies.

If you’re having financial difficulties you can look for free advice from a charitable debt management organisation such as;
Citizens Advise Bureau (CAB)
Consumer Credit Counselling Service (CCCS)
National Debt Line

These organisations will help you assess your financial situation to see what you can afford and also help you fill out a common financial statement. This financial statement should then be submitted, together with a proposed offer of repayment to:
Arrears Management Department
Volvo Car Financial Services UK Ltd
86 Station Road
Redhill
Surrey, RH1 1SR.

You may have several options available to you. Please contact our Customer Services department as soon as possible on 0800 085 1541 for more information.

Under the Consumer Credit Act 1974 you have certain termination rights. For further information about these rights please refer to page 1 of your agreement, ‘termination: your rights’. Please note that these rights are not applicable if you have a Fixed Sum Loan agreement.

If you wish to voluntarily terminate your agreement you may inform us via email. Please direct your email to customerservices@vcfsuk.co.uk and include your full name, agreement number and contact phone numbers.

Alternatively, you can request to voluntarily terminate your agreement in writing. Written requests should be sent to:
Voluntary Terminations Department – Arrears Management
Volvo Car Financial Services UK Ltd
86 Station Road
Redhill
Surrey, RH1 1SR

We are happy to consider reducing your repayments and whilst we look at every case on an individual basis, there are a number of factors we take into consideration before any decision is made. These factors include;
• Type of agreement
• Reason for financial difficulties
• Balance left on the agreement

You may have seen the recent announcements from the FCA in relation to Discretionary Commission linked to the sale of finance, Volvo Car Financial Services UK Limited (VCFSUK) commenced retail business on 4 May 2021. VCFSUK has never adopted a Discretionary commission model with their Retailers.

Your payments will usually begin one month after your agreement start date.

This date can be found on the first page of your agreement.

If you wish you may change the date on which we take payment from your account, however please note the following:
• You may only change your payment date once in a 12 monthly period.
• The first change after the inception of your agreement will be free. For further changes a fee of £25.00 will be charged, payable by card before the change is made.
• The change cannot be made within four working days of your payment date.

If you have a Personal Contract Purchase (PCP) agreement
• You may change your payment date at any time up until the Option Final Payment due date
• Your payment date can only be changed once in the entire life of your agreement as this would affect the Option Final Payment of your vehicle
If you would like to request a change to your payment date please call Customer Services directly on 0800 085 1541 where we will be happy to assist you.