Worried about your payments?
If you've having trouble making payments, get in touch with one of our team who are happy to help you today.
0800 197 9090
Everything you need to manage your hire purchase agreement with AutoMoney Trust is in one place here. Log in to your customer portal to make payments, view your agreement, request a settlement figure, or update your details. If you need to speak to someone, our team is available by phone six days a week. And if you are finding it difficult to keep up with your payments, please do not wait, the sooner you get in touch, the more we can do to help.
Your AutoMoney Trust customer portal gives you full control of your HP agreement online, at any time of day. Once logged in, you can:
Managing your agreement through the portal is the quickest way to handle most requests without needing to call us.
If you have an AutoMoney Trust agreement but have not yet set up your online account, registering takes just a few minutes. You will need your agreement number, which can be found on any correspondence from us. Please check your email for the automated message that you received with your completed agreement. If you can't find it please click the link below to take you to registration.
Prefer to pay without logging in? You have two additional options.
Our friendly support team can take your payment over the phone by calling:
Lines are open
8:00am – 18:00pm
9:00am – 13:00pm
OR
Account Name:
AutoMoney Trust Limited
Bank:
Natwest Bank Plc
Sort Code:
60-15-31
Account NO:
77757785
You can make a direct payment to our bank account at any time. This can be useful if you want to make an additional payment, clear an outstanding balance, or make a payment without logging in to your customer portal.
Important: always include your agreement number or vehicle registration as your payment reference. Without a clear reference, your payment may not be allocated to your account correctly.
Bank transfers can take time to show on your account depending on your bank and when the payment is sent. If you have made a payment and it is not showing straight away, please allow time for it to be received and allocated.
If your payment is urgent, or if it relates to a missed or upcoming payment, please contact us after sending the transfer so our team can check your account.
If you are facing long-term financial difficulty, you may have a legal right to end your hire purchase agreement early through voluntary termination. This right is set out in the Consumer Credit Act 1974 and applies to all regulated HP agreements in the UK, including your agreement with AutoMoney Trust.
Understanding how voluntary termination works and when you are eligible is important before you decide whether it is the right option for you.
Voluntary termination (VT) is a legal right that allows you to end your hire purchase agreement before the end of the full term. You return the vehicle to the lender, your future monthly payments stop, and the agreement is brought to a close. It is not the same as defaulting on your agreement, VT is an orderly, legal process with defined rules on both sides.
To exercise your right to voluntary termination, you must have paid at least half of the total amount payable under your agreement. This is not simply half of your original loan amount. The total amount payable includes all of your monthly instalments, any fees, and the option to purchase fee. Your customer portal and your agreement documents will show you the exact total amount payable and how much you have paid to date.
If you have not yet reached the halfway point, you can make additional payments to bring your total paid up to the threshold before requesting a VT. Speak to our team if you would like to understand exactly how much more you would need to pay.
When you return the vehicle, it must be in reasonable condition for its age and mileage. Normal wear and tear is expected and acceptable. However, if the car has damage beyond what would reasonably be expected, you may be liable for the cost of bringing it back to reasonable condition. It is worth having the car checked over before you request a VT to avoid any unexpected charges.
If you are in arrears at the time of your voluntary termination request, you remain liable for those arrears. VT ends your future payment obligations but does not clear any amounts already owed. Our team will confirm the position clearly before the process begins.
These two terms are sometimes confused but they are not the same thing. Voluntary termination is a statutory right under the Consumer Credit Act 1974. Voluntary surrender simply means handing the car back without having reached the halfway threshold, which means you may still owe the remaining balance on the agreement. If you are thinking about handing the car back, it is important to speak to us first so you understand exactly what you would owe in either scenario.
If you believe you have met the conditions and would like to explore voluntary termination, contact our team on 0800 197 9090. We will review your account, confirm whether you have reached the halfway threshold, and explain the next steps clearly. You can also find more detail in our voluntary termination FAQ.
If you are finding it difficult to keep up with your AutoMoney Trust payments, the most important thing you can do is contact us as soon as possible. The sooner we know about your situation, the more options we have to help you find a way forward.
We will never expect you to pay more than you can genuinely afford. Our team will take the time to listen, understand your circumstances, and talk through the support options that may be available.
Depending on your individual situation, support we may be able to offer includes:
An affordable repayment plan that reflects what you can genuinely manage each month, paid over several months in addition to your regular contractual monthly instalment.
A temporary pause on your payments (up to 2 months within a 12-month period) if your difficulty is short term. Each case is agreed individually, and your agreement must be up to date. Any paused payments are added to the end of your agreement.
If you are in serious financial difficulty, you may be entitled to a statutory Breathing Space period of up to 60 days under the Debt Respite Scheme, during which collections activity and enforcement are paused.
Every case is different and we assess each one on its own merits. We will never offer a solution that is not affordable and sustainable for you.
When you get in touch, it helps to have some information ready about your income, your outgoings, and any changes in your circumstances that have led to the difficulty. The more we understand, the better placed we are to find the right support. If any of our questions feel uncomfortable, just let us know.
Call us on 0800 197 9090 during our opening hours, or send us a message through the customer portal.
We understand that money worries can feel overwhelming, but you don’t have to face them alone. Reaching out is the first step, and we're here to support you.
Whether your situation has changed for a short time or something more long term, we’ll listen and work with you. We have a range of flexible support options that may help ease the pressure and keep your finance agreement manageable.
MoneyHelper is a free, government-backed service offering impartial money guidance. They can help you budget, understand your options, and find the right support for your situation.
Money Helper
StepChange is a free debt charity offering expert advice and practical help with managing debts. They can help you put a plan in place that is affordable and that your creditors will accept.
StepChange
Financial difficulty can have a serious impact on mental health. Mind is a mental health charity offering information, support, and guidance for anyone experiencing anxiety, stress, or other mental health challenges.
Mind
Mind is a mental health charity. It is set up to help people who have strong worries and anxieties. These could be linked to different things that can happen in life that stop someone feeling OK.
If things feel overwhelming or you are struggling to cope, the Samaritans are available 24 hours a day, 7 days a week, completely free of charge.
Samaritans
The Samaritans is a charity set up to stop people feeling alone, or feeling despair that may lead to suicide.
For details or various services that can offer you further non-financial help and support, please refer to our leaflet here.
We are aware of scams in which individuals are approached by organisations posing as representatives of financial services companies and offered loans in return for an upfront fee.
AutoMoney Trust does not charge upfront fees and would never approach you directly in this way. If you are ever contacted by someone claiming to represent AutoMoney Trust and asking for an upfront payment, do not pay.
If you think you have been targeted by a scam, contact your bank immediately to report it, and report the incident to Action Fraud.
You may have questions about the commission that was paid when your hire purchase agreement was set up.
In 2021, the Financial Conduct Authority (FCA) banned discretionary commission arrangements in motor finance. The FCA is now reviewing historical motor finance commission arrangements across a number of firms, and has put in place special procedures for handling complaints where a discretionary commission arrangement existed between a lender and a broker.
You can find full information about the review and how to raise a complaint on the FCA car finance complaints page.
Your agreement with us is not affected by any of this, as AutoMoney Trust has never entered into discretionary commission arrangements with anyone referring business to us.
AutoMoney Trust is committed to treating every customer fairly. If you are unhappy with any aspect of your agreement or the service you have received, we want to know about it so we can put things right.
Our complaints process is straightforward and we aim to resolve all complaints promptly. Full details of how to raise a complaint, what to expect, and your rights if you remain dissatisfied are set out in our complaints policy.
Yes, you may be able to change your car finance payment date with AutoMoney Trust. If you need your monthly payment to be taken on a different date, you can contact us to request a change, subject to the terms of your agreement.
If your circumstances have changed, such as your payday moving or you need more flexibility with your monthly payments, contact AutoMoney Trust before your next payment is due to discuss your options.
Changing your payment date may affect the total amount you repay under your hire purchase agreement because additional interest may accrue between your original and new payment dates. Our team can explain how any change could affect your agreement, including your remaining balance and future monthly repayments.
If you're concerned about affordability rather than just changing your payment date, it's worth reviewing the support available for existing customers to understand the options that may be available based on your circumstances. You can also use our finance calculator to see how different repayments could affect your agreement and help you plan your budget.
Late or missed car finance payments may be reported to the main UK credit reference agencies and could remain on your credit file for up to six years. This can negatively affect your credit score and may make it more difficult or more expensive to access credit in the future, while keeping your payments up to date can help maintain a healthier credit profile.
A missed payment may affect future borrowing decisions, with lenders potentially offering different terms, higher interest rates, or declining an application depending on your overall financial circumstances. The impact can vary depending on how late the payment is, whether the account returns to good standing, and if arrears continue over time.
If you are experiencing difficulties keeping up with your car finance payments, it is important to contact AutoMoney Trust as soon as possible. Speaking to us early gives the opportunity to understand your situation and discuss what support or options may be available before payments are missed.
Keeping your finance agreement up to date and making payments on time can help maintain a healthier credit profile. For more detail on how lenders review applications, see our guide to credit checks for car finance.
Yes, you may be eligible for voluntary termination of car finance if you've paid at least 50% of the total amount payable under your hire purchase agreement. Under section 99 of the Consumer Credit Act 1974, customers have a legal right to voluntarily terminate your hire purchase agreement, provided the required conditions are met.
Voluntary termination (VT) of car finance allows you to return the vehicle and end your hire purchase agreement without making the remaining monthly payments. If you've paid less than 50% of the total amount payable, you may still be able to request voluntary termination, but you'll need to pay the difference before the agreement can be ended.
The vehicle must also be returned in reasonable condition, and any outstanding arrears or missed payments will need to be cleared before the agreement can be concluded.
Choosing voluntary termination on a hire purchase agreement may be recorded on your credit file and could be considered by future lenders when assessing applications. Before deciding whether this is the right option for your circumstances, we recommend speaking to AutoMoney Trust. Our team can explain the process, discuss any alternatives and help you understand the potential impact on your finance agreement.
If you're worried about making your next car finance payment, contact AutoMoney Trust as soon as possible, ideally before the payment is due. Speaking to us early allows us to understand your circumstances and discuss the support or options that may be available before your account falls into arrears. Taking action early can help reduce the impact on your finance agreement and improve the likelihood of finding a suitable solution.
Depending on your circumstances, we may be able to discuss short-term payment arrangements or signpost you to free, independent debt advice if appropriate. Speaking to us before you miss a payment can often lead to better outcomes than waiting until your account falls into arrears.
Missing car finance payments can affect your credit file, result in default interest or other applicable charges, and, if the situation remains unresolved, could put your hire purchase agreement at risk. Acting early may help minimise these impacts and keep your agreement on track.
At AutoMoney Trust, we treat every conversation in confidence and are committed to treating customers fairly. If you're experiencing financial difficulties, we'll work with you to understand your circumstances and explore a suitable way forward wherever possible.
