Help & Support guide Need-to-knows Independent advice FAQs

If you need help right now

Give us a call on 0333 200 0030 to speak to our dedicated support team. Once you get in touch, we’ll have a clearer picture of your financial situation and can work with you to find the best way forward for you and your agreement.

You can also visit Money Manager 24 hours a day, 7 days a week to manage your agreement online. You can update personal details, complete an income and expenditure form, and access additional support. 

Our Help & Support Guide below has been created to give you clear, practical advice to help you stay on track. Get tips on budgeting, fee information and details of trusted organisations like StepChange, who can offer additional support. Whether you’re looking for guidance, reassurance, or your next steps, this guide is here to help you. Download your copy today to get started.

Download your Help & Support Guide

The need-to-knows

It's important to understand what can happen when you stop making your monthly repayments. Your credit file may be affected, and a poor credit score could mean:

  • You get rejected for future credit applications.
  • You're given a smaller credit limit or higher interest rates.
  • It could affect anyone who is financially associated with you (for example, through a joint bank account or credit agreement) and impact their ability to get credit.

If you continue to miss payments, we may have to apply fees to your agreement, repossess your vehicle or take legal action to recover the amount you owe us.

Download our Understanding Fees leaflet

FAQs

Taking the vehicle back will always be our last resort. We’d much rather work with you to find a solution tailored to your circumstances.

We understand that sometimes your financial circumstances can change pretty quickly. Together, we can try to find a solution tailored to your circumstances.

If you’re able to bring your account up to date, you can pay any missed payments by:


If you’re unable to pay:

  • Log onto Money Manager, where you can complete an Income & Expenditure form and make an offer of repayment providing no additional information is required. This can be accessed 24 hours a day, 7 days a week.
  • Call us on 0333 200 0030 as soon as possible to discuss your options.
  • Fill out our online form.

Your finance agreement was set up for you, based on your personal situation. This means that we cannot transfer it to another person. If you’re having trouble making payments, you can login to Money Manager using your eight-digit agreement number where you can request a new payment plan and access other support.

If you need to end your agreement, you can find more information in our Ending Your Agreement guide.

A Payment Arrangement is an affordable agreement to repay any missed payments.

To help us understand what you can afford, you’ll need to complete an Income & Expenditure form on Money Manager. We may need to contact you before we can agree a Payment Arrangement. Any Payment Arrangement may show on your Credit File.

We’re sorry to hear that you can no longer afford your agreement. There are options and support available to you at this time. Take a look at our Ending Your Agreement Early guide for more details.

Please remember that you are liable for all payments until the agreement is completed, and missed or late payments may affect your credit file, incur fees/ charges and we may contact you about your arrears.

We're on hand to help with whatever support you need. Whether it's exploring other ways for us to communicate with you or nominating someone to speak on your behalf, find out more here. 

Remember, whether you’ve had a change of circumstances, life event or are suffering from ill health, we have a dedicated Welfare Support team for you to speak to Monday - Friday, 9:00am – 6:00pm. You can get in touch by emailing welfaresupport@motonovofinance.com or ringing 0330 128 1735.

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