About your Moneybarn PCH agreement

Everything you need to know about your PCH agreement with Moneybarn.

About your Moneybarn PCH agreement

Everything you need to know about your PCH agreement with Moneybarn.

Thanks for choosing Moneybarn for your new car! At Moneybarn, we’ve been offering vehicle finance to customers up and down the UK for over 30 years and we continue to help thousands of people every month get onto the road.

If you find yourself on this page, it means you’ve taken a Personal Contract Hire (PCH) agreement out with us, which hopefully means you are enjoying your brand new car.

Thanks for choosing Moneybarn for your new car! At Moneybarn, we’ve been offering vehicle finance to customers up and down the UK for over 30 years and we continue to help thousands of people every month get onto the road.

If you find yourself on this page, it means you’ve taken a Personal Contract Hire (PCH) agreement out with us, which hopefully means you are enjoying your brand new car.

How can we help you?

How can we help you?

Information about your agreement

Information about your agreement

A PCH agreement is a great way of having a brand new car. As you are leasing the car for the period of your agreement, it allows you to have access to more affordable brand new vehicles.

Here’s what you need to know about your PCH agreement with us: 
  • All our PCH agreements are for 3 years
  • As the registered owner and keeper of the vehicle, Moneybarn will purchase the vehicle tax annually
  • Your vehicle will be under manufacturers warranty for the duration of your lease
  • You will receive free breakdown cover from the manufacturer – please check the documents provided to you when the vehicle was delivered to confirm the duration of the cover 
  • Whilst you are in your lease agreement with us, you will be responsible for looking after your vehicle. This includes:
    • Insuring your vehicle with comprehensive cover
    • Maintaining your vehicle – you should regularly service and maintain your vehicle in line with the manufacturer’s guidance
  • If you encounter any mechanical issues please contact the manufacturer directly in the first instance. The contact details will have been provided to you when the vehicle was delivered. If the manufacturer confirms the issue is not covered under the warranty, please contact us on 0330 555 9401
  • During the lifetime of your PCH agreement, Moneybarn will be the legal owners of the vehicle, and there will be no option to buy at the end of your 3 year term

A PCH agreement is a great way of having a brand new car. As you are leasing the car for the period of your agreement, it allows you to have access to more affordable brand new vehicles.

Here’s what you need to know about your PCH agreement with us: 
  • All our PCH agreements are for 3 years
  • As the registered owner and keeper of the vehicle, Moneybarn will purchase the vehicle tax annually
  • Your vehicle will be under manufacturers warranty for the duration of your lease
  • You will receive free breakdown cover from the manufacturer – please check the documents provided to you when the vehicle was delivered to confirm the duration of the cover 
  • Whilst you are in your lease agreement with us, you will be responsible for looking after your vehicle. This includes:
    • Insuring your vehicle with comprehensive cover
    • Maintaining your vehicle – you should regularly service and maintain your vehicle in line with the manufacturer’s guidance
  • If you encounter any mechanical issues please contact the manufacturer directly in the first instance. The contact details will have been provided to you when the vehicle was delivered. If the manufacturer confirms the issue is not covered under the warranty, please contact us on 0330 555 9401
  • During the lifetime of your PCH agreement, Moneybarn will be the legal owners of the vehicle, and there will be no option to buy at the end of your 3 year term

Get in touch

We’re here to support you throughout your journey and want to help with any queries you may have along the way. 

Should you ever need to ask us a question then you can get in touch by:

Get in touch

We’re here to support you throughout your journey and want to help with any queries you may have along the way. 

Should you ever need to ask us a question then you can get in touch by:

Financial Difficulties

If you’re experiencing financial difficulties or are worried that you can no longer afford your agreement, then please get in touch. Whether you’re having problems making a payment, are concerned you may experience financial difficulty in the near future, or you’ve already missed a payment, we will always want to speak to you so we can understand your situation and discuss what options are available.

It’s easier for us to talk things through with you over the phone, so please call our Customer Services Team and one of our Agents will be more than happy to speak to you. However, we understand that sometimes it can feel daunting speaking with us on the phone. If you feel this way, then please email us and one of our Agents will be in touch shortly.

Financial Difficulties

If you’re experiencing financial difficulties or are worried that you can no longer afford your agreement, then please get in touch. Whether you’re having problems making a payment, are concerned you may experience financial difficulty in the near future, or you’ve already missed a payment, we will always want to speak to you so we can understand your situation and discuss what options are available.

It’s easier for us to talk things through with you over the phone, so please call our Customer Services Team and one of our Agents will be more than happy to speak to you. However, we understand that sometimes it can feel daunting speaking with us on the phone. If you feel this way, then please email us and one of our Agents will be in touch shortly.

Do you need support?

Below is a list of organisations that can offer you free and impartial advice and support, without judgement, if you’re experiencing financial difficulties. Their recommendations will be tailored to you, and they can provide a wide range of practical debt solutions to help you get back in control of your finances. They are there to help you find the most appropriate solution specifically for you.

Do you need support?

Below is a list of organisations that can offer you free and impartial advice and support, without judgement, if you’re experiencing financial difficulties. Their recommendations will be tailored to you, and they can provide a wide range of practical debt solutions to help you get back in control of your finances. They are there to help you find the most appropriate solution specifically for you.

StepChange Debt Charity – debt advice throughout the UK.

Tel: 0800 138 1111 (freephone)

Mon to Fri 8am-8pm, Sat 8am-4pm

With over 30 years’ experience, StepChange’s team of debt experts support thousands of people every year to deal with their debt problems; helping individuals take back control of their finances and their lives.

Business Debtline – a charity giving free debt advice to small businesses and self-employed people.

Tel: 0800 197 6026

Mon to Fri 9am – 8pm

The Business Debt Helpline, help and support individuals with the support they need to deal with their debts themselves, free of charge.

National Debt Helpline – debt advice and information in England, Wales or Scotland.

Tel: 0808 808 4000

Mon to Fri 9am-8pm, Sat 9:30am-1pm

The National Debt Helpline help and support individuals with the support they need to deal with their debts themselves, free of charge.

PayPlan – free debt help and management plans.

Tel: 0808 250 2209 (freephone)

Mon to Fri 8am–8pm, Sat 9am–3pm

Since its establishment in 1992, PayPlan are the UK’s largest provider of free debt solutions. Other solutions include IVAs, Trust Deeds and bankruptcy.

StepChange Debt Charity – debt advice throughout the UK.

Tel: 0800 138 1111 (freephone)

Mon to Fri 8am-8pm, Sat 8am-4pm

With over 30 years’ experience, StepChange’s team of debt experts support thousands of people every year to deal with their debt problems; helping individuals take back control of their finances and their lives.

Business Debtline – a charity giving free debt advice to small businesses and self-employed people.

Tel: 0800 197 6026

Mon to Fri 9am – 8pm

The Business Debt Helpline, help and support individuals with the support they need to deal with their debts themselves, free of charge.

National Debt Helpline – debt advice and information in England, Wales or Scotland.

Tel: 0808 808 4000

Mon to Fri 9am-8pm, Sat 9:30am-1pm

The National Debt Helpline help and support individuals with the support they need to deal with their debts themselves, free of charge.

PayPlan – free debt help and management plans.

Tel: 0808 250 2209 (freephone)

Mon to Fri 8am–8pm, Sat 9am–3pm

Since its establishment in 1992, PayPlan are the UK’s largest provider of free debt solutions. Other solutions include IVAs, Trust Deeds and bankruptcy.

Citizens Advice – for advice and information on debt and other topics, visit your local Citizens Advice Bureau.

Tel: 03454 04 05 06 (Citizens Advice consumer helpline)

Mon to Fri 9am-5pm

Citizens Advice is an independent organisation that provides free, independent, confidential and impartial advice to individuals with consumer, housing, legal, and debt problems.

MoneyHelper – for free, unbiased and easy-to-access money tools, information and advice.

Tel: 0800 138 7777

Mon to Fri 8am-8pm, Sat 9am-1pm

MoneyHelper provides free, unbiased easy-to-access money tools, information and advice backed by the government for people across the UK.

You could also try their free online budget planner.

Gov.uk benefits calculators – suggested independent benefits calculators.

Use the Gov.uk benefits calculators to check what you could be entitled to, including:

  • How much your benefits payments could be
  • What benefits you could be entitled to
  • How to update your benefits if your situation were to change.

The Money Charity – helps individuals manage their money well and increase their financial wellbeing.

Tel: 0207 062 8933

Mon to Fri 9am-5pm

As the UK’s Financial Capability charity, The Money Charity, provides individuals of all ages with information, advice, education, and guidance when it comes to their finances.

Citizens Advice – for advice and information on debt and other topics, visit your local Citizens Advice Bureau.

Tel: 03454 04 05 06 (Citizens Advice consumer helpline)

Mon to Fri 9am-5pm

Citizens Advice is an independent organisation that provides free, independent, confidential and impartial advice to individuals with consumer, housing, legal, and debt problems.

MoneyHelper – for free, unbiased and easy-to-access money tools, information and advice.

Tel: 0800 138 7777

Mon to Fri 8am-8pm, Sat 9am-1pm

MoneyHelper provides free, unbiased easy-to-access money tools, information and advice backed by the government for people across the UK.

You could also try their free online budget planner.

Gov.uk benefits calculators – suggested independent benefits calculators.

Use the Gov.uk benefits calculators to check what you could be entitled to, including:

  • How much your benefits payments could be
  • What benefits you could be entitled to
  • How to update your benefits if your situation were to change.

The Money Charity – helps individuals manage their money well and increase their financial wellbeing.

Tel: 0207 062 8933

Mon to Fri 9am-5pm

As the UK’s Financial Capability charity, The Money Charity, provides individuals of all ages with information, advice, education, and guidance when it comes to their finances.

British Red Cross – assistance for people struggling with the cost of living crisis and financial pressure.

Tel: 0808 196 3651

Mon to Fri 10am-5pm, Wed 10am-8pm

The British Red Cross offers practical, local and emotional support to people across the UK, including money problems.

Christians Against Poverty – for debt counselling needs, including bankruptcy or insolvency.

Tel: 01274 760720

Mon to Thurs 9:30am-5pm

Christians Against Poverty is a national organisation that specialises in debt counselling for people in financial difficulty, such as bankruptcy and insolvency.

Debt Advice – free, confidential advice on any aspect of debt.

Tel: 0800 043 40 50

Mon to Fri 8am-6pm

The debt advice and education charity, Debt Advice Foundation, offers people across the UK, free, confidential support and advice to those worried about loans, credit and debt.

Mind – a mental health charity, helping those suffering with their mental health.

Tel: 0300 123 3393

Mon to Fri 9am-6pm

Mind provides support and guidance to equip and encourage those dealing with a mental health problem to come out the other side.

British Red Cross – assistance for people struggling with the cost of living crisis and financial pressure.

Tel: 0808 196 3651

Mon to Fri 10am-5pm, Wed 10am-8pm

The British Red Cross offers practical, local and emotional support to people across the UK, including money problems.

Christians Against Poverty – for debt counselling needs, including bankruptcy or insolvency.

Tel: 01274 760720

Mon to Thurs 9:30am-5pm

Christians Against Poverty is a national organisation that specialises in debt counselling for people in financial difficulty, such as bankruptcy and insolvency.

Debt Advice – free, confidential advice on any aspect of debt.

Tel: 0800 043 40 50

Mon to Fri 8am-6pm

The debt advice and education charity, Debt Advice Foundation, offers people across the UK, free, confidential support and advice to those worried about loans, credit and debt.

Mind – a mental health charity, helping those suffering with their mental health.

Tel: 0300 123 3393

Mon to Fri 9am-6pm

Mind provides support and guidance to equip and encourage those dealing with a mental health problem to come out the other side.

FAQs: Your Moneybarn PCH agreement

Yes, you must insure the vehicle under your name on a fully comprehensive insurance policy. This must include:

  • loss in transit
  • seizure
  • cost of repatriation should the vehicle be taken outside the UK. 

The excess element of the policy must not exceed £500.00

New cars are not required to have an MOT until they are 3 years old. Depending on the registration date of your vehicle, a MOT may be due before the end of your lease. If this is the case, we will send you a reminder before the MOT is due.

No, as Moneybarn are the registered owner of the vehicle, we will re-new the vehicle road tax annually on your behalf.

If you exceed the mileage agreed at the start of your agreement, you will be charged at the rate quoted within the agreement.

If you are wanting to take the vehicle outside of the UK, you must notify us prior to travelling by calling Customer Services on 0330 5551230. We will need to provide you with written authorisation to allow you to do so.

FAQs: Your Moneybarn PCH agreement

Yes, you must insure the vehicle under your name on a fully comprehensive insurance policy. This must include:

  • loss in transit
  • seizure
  • cost of repatriation should the vehicle be taken outside the UK. 

The excess element of the policy must not exceed £500.00

New cars are not required to have an MOT until they are 3 years old. Depending on the registration date of your vehicle, a MOT may be due before the end of your lease. If this is the case, we will send you a reminder before the MOT is due.

No, as Moneybarn are the registered owner of the vehicle, we will re-new the vehicle road tax annually on your behalf.

If you exceed the mileage agreed at the start of your agreement, you will be charged at the rate quoted within the agreement.

If you are wanting to take the vehicle outside of the UK, you must notify us prior to travelling by calling Customer Services on 0330 5551230. We will need to provide you with written authorisation to allow you to do so.