Hi annypanny.

If you search around online you'll find some finance companies that will take on clients with poor credit histories. The interest costs can be a little off-putting though.

Once you've been discharged the deals available may improve a little.

Thanks TDA, I did a search recently but best I came up with was some credit company that would provide me a £7k car for over £20k in charges!!!!!!! Ehhh no thanks!!!!!! Would a HP deal still need full credit check which would therefore exclude me???

Hire purchase will be credit checked, though the lender has more security so may sometimes lend where an unsecured lender might not.

If your old car can last a few more months maybe you could save up for something cheap as an interim measure? Would buy some time for your creditworthiness to improve.

I think most dealers will do credit checks, although you would think there would be less risk with a PCP deal as they retain ownership and get it back after 3 years.

Always hated the term PCP deal, sounds like some American drug thing!!

Mark

If you could get a family member to take the credit on for you it will save a fortune!!

Paul

Thanks for comments and advice, my fears been confirmed!!!!! Needed to hear it for sure though, aw well, not going to put a damper on my joy at being almost free!!!! Who knows what's around the corner, you are so right Paul, family help would be great, sadly not got any close family left, mibbee a beloved auntie will appear from nowhere and buy me a shiny new car!!!!!! Will also enter every car competition going!!!!! Keepin everything crossed!!!!! Let you know how it goes!!!!

I am in the same boat. Dont want to ask family so am muddling by with my old runaround until the td drops off my files.

Paul