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  • FIRST POST
    puddlepuss
    vauxhall motor finance
    • #1
    • 10th Jun 12, 5:08 PM
    vauxhall motor finance 10th Jun 12 at 5:08 PM
    Hi, I recently visited my local Vauxhall dealers looking to get a good deal on a new Corsa. Their 0% finance deal over 5yrs looked inviting so after going through all the initial stages of choosing the car, extras, colour etc, the salesman put through my finance application there & then while I sat waiting (Nice cup of coffee & biscuit in hand!). Imagine my embarrassment at being refused credit! The salesman apologised but said he could not offer me any explanation other than refer me to their finance dept, Vauxhall Motor Finance. On returning home in my faithfull old Micra, I phoned VMF & asked why I had been refused credit. I was politely told that my credit score was not high enough to reach their required lending criteria. When I ased what that criteria was I was just told to contact a credit reference agency to see why my score was not 'high' enough? I then asked which CR agency VMF used but was given the vague answer that it could be all or any of the three main agencies? Not very helpfull at all. I have since done check on my 'file' using 'checkmyfile.com' & found, as I had expected, that my score was 'high' with an unblemished credit history. I still have no idea why I was refused credit but hey-ho! that's life! Has anyone else had a similar experience with buying a new car from Vauxhall?
    Wetcat
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