Don't believe what you read, amateurs! Had to chase them all the time, they initially contact you and then the interest dies away, the chap I dealt with was ill or off and apologetic, well sort of. Funny thing is Ford were more than keen to offer credit to me, I just thought I would shop around as I have had the car from new for just over three years. I also had an Audi account for my daughter that was paid on time every time and completed. This lot I would give a very wide birth. They want bank statements etc, I earn a reasonable amount, more than most, in fact I have checked out my credit report after giving this lot/whoever serious information. My advise, think carefully !