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FAQs & Glossary

Details and useful facts

We have constructed a wide ranging Help section and alphabetical Glossary to assist online by speedily finding information.


A person owing money that has been lent to them by a bank or other lender. Another name for a debtor is a borrower.


When you fail to meet the terms or conditions of a Credit Agreement this is known as being in default. An example of this would be not making your scheduled repayments on a loan or not making them on time.


This is the amount of money which you have elected to pay upfront. The higher the deposit you choose to pay, the lower the payments will be.

Direct Debit (DD)

Direct Debit is a banking term for monthly or annual payments that are taken from your account at your written request.


The Driver and Vehicle Licensing Agency (DVLA), responsible for maintaining registers of drivers and vehicles and collecting vehicle excise duty (road tax).