British Credit Trust

When I first had an agreement with British Credit Trust, I was paying it like clock work, then like many people went through different life stages, regarding work, full time to low wages etc so it became difficult in paying them but I phoned them and explained the situation and they would ask me to fill in an income and expenditure form and I paid at a reduced amount for a lengthy period, I felt that if I had enough time, I would be able to pay off the car. As time went on I tried to keep up the payments as best I could, I even had a letter about them saying I could give the car back or they could take it away because I was more than over that agreement period but I was adamant I didn't want them to do that as I paid so much and knew the agreement was coming to an end soon.I am not going to say it has been easy because it has not but I have paid it off and I am happy about that of course.

No one wants to be charged £25 administration fee for a letter or extra interest for late payments but I appreciate the fact that they borrowed money to me as I was going through a difficult financial period.I understand they are no longer borrowing or something but it's properly because people haven't paid back all the finance so they have no money to lend.

Got a phone call today from a very rude man as I have a outstanding balance of 465. 00 yes that's all that's left on the balance, been fighting cancer been in and out of hospital. No empathy.rude,argue entice.basically called me a lier as no correct notes were place on the account. Would use them again logged complaint not happy at alllast thing you need when your ill

Ok whilst your paying them but an absolute nightmare when you settle early...yes settle early. Since clearing the balance early I have had nothing but grief.

I have been chasing since november 2010 to get them to close the account. The account is still active and on my credit file, it states I still owe nearly £2000 even though the balance was paid off in november. Thankfully I don't need to use them again.

no returned calls as promised, no action taken as promised. what is it with customer service and the welsh. (bloody useless at it)

I have never known a company like it. We got a car 4 years ago and have 10 months left to pay on it. Unfortunately due to my husband's change in job and his hours at work being cut plus me being made redundant now a temp we just haven't got a lot cash at the moment. When we did take out the loan, fair enough we both had full time jobs. We have wrote constant letters with no response, just threatening letters back. Constant phone calls with staff threatening to pay or else and slamming the phone down its an absolute joke. I do not recommend this company to anybody they are uncooperative and it is a disgrace how they treat their customers.

Does anyone know how to get in touch with this company???? All the paperwork and numbers I have tried take me to an automated answerphone for stocks,shares,prices of oil etc. Which i am not interested in as i am a car finance customer. I have also tried to get in touch with BCT Conduit Ltd to no avail!!!!! Help

Have been with bct now for nearly three years everything very simple no hassle, until I decided to change my car and I wanted to use them again but sadly they say they are not doing loans anymore so why it is still advertised I dont no

THIS IS THE SECOND CAR PURCHASED THROUGH BCT, FOUND THEM VERY HELPFULL

AND WOULD USE THEM AGAIN, SIMPLE RULE IF YOU ARE HAVING PROBLEMS WITH

PAYMENTS DUE TI LOOSING JOB, TELL THEM STRAIGHT AWAY THEY WILL HELP,

ITS A SHAME THE DEALERSHIP I GOT THE CAR THROUGH WERE NOT UP TO SCRATCH

ON CUSTOMER SERVICE AS BCT ARE.I WOULD WOULD USE AGAIN.WELL DONE BCT.

I would like to know when BCT are lending again. I have been asking this question for over a year and no one can give me a straight answer. Every time I call them I get a different person and they keep giving a different date.No one seems to know when this is actually going to happen. Surely they have been told something instead of fobbing off good customers.

I am totally happy with the service BCT have given me for the past 5 years, but i getting a bit stressed now as they can't give an answer

needed a car loan as we just had a new baby went to a dealer called cando fianance who advised that BCT would give us a loan no matter what, we got loan and paid over £3000 but during the thick of ressession missed few payments no letter or phone call but car was repossessed on sunday afternoon when you couldnt contact them and auctioned for £1000. they have now taken court action asking for over £6000, when we have paid over £3000 with no car to show.... its a big con

Fantastic from begining to end, simple as that!