Treating people as individuals is a core value of Western Automotive Financial Services and for this reason we are committed to the Financial Conduct Authority's principle of "Treating Customers Fairly"

We aim to offer the highest level of service to all customers at all times and for this reason we subscribe to a number of key industry initiatives, for example.

• Finance & Leasing Association's Lending Code
• Specialist Automotive Finance
• Financial Ombudsman Service
• Financial Conduct Authority

For all kinds of reasons you may think about settling your agreement early, perhaps you have seen a new car you are interested in?

If you do want to settle your agreement early it is a simple matter of contacting us and we will provide an early settlement figure for you. Early settlement amounts include a discount calculated on the reduced interest amount that will be due. If you want to pay off your entire loan you will need to request a settlement quote from us.

If you would like a full or partial settlement quote contact us and we will discuss your available options and then confirm your settlement figure in writing.

The quote will be valid for 28 days.

We understand that financial difficulties can arise unexpectedly for any of our customers, often through no fault of their own.

If you find yourself in this position, we know from experience that everyone is different but we can usually help if we genuinely understand your situation. We pride ourselves on being non-judgemental in all circumstances and have many years' experience listening to our customers and working with them to establish a way forward.

It is also important to know that there are a number of organisations who are not associated with Western Automotive Financial Services and can provide you with free and impartial advice.

Below are some of the web sites you may wish to visit:

• National Debt Line
• Consumer Credit Counselling
• Citizens Advice
• Money Advice Trust
• Money Advice Service
• Direct Gov
• HM Revenue & Customs