We understand that things can change during a vehicle lease, and we’ll do everything we can to help you. We'll work with you to understand the best approach for your individual circumstances, but options could include:

• A payment plan
• Returning your vehicle early
• Changes to your contracted mileage
• Support from a debt advice provider

We'd recommend reaching out to us as soon as possible, so we can explain all the options available. You can contact us on 0345 266 5241 from 9am to 5.15pm, Monday to Friday.

Missed or unpaid monthly rentals are likely to have a negative impact on your credit rating. Payment plans set up to repay any monthly rental arrears will be reported to credit reference agencies and may affect your credit rating, but are designed to help get your payments up to date.

Payment plans for any other amounts owed (such as early termination charges) will not impact your credit rating, as long as you stick to the arrangements and contact us if your circumstances change.

If you are struggling to keep up with your payment plan or think you might miss a payment, please call us as soon as possible on 0345 266 5241. We will work with you to review the arrangement and try to find an affordable solution.

If you miss a payment on your payment plan and we cannot make contact with you to find a solution, this could have a negative impact on your credit rating and cause the payment plan to fail. If multiple payments are missed, this may lead to your account being placed in default which could result in the vehicle being repossessed, so it’s important to get in touch as soon as possible if you’re worried about meeting your payments.

We are sincerely sorry for your loss. Please email customerservices@arval.co.uk with a copy of the original death certificate, along with a covering letter confirming:

• The name of the agreement holder
• The vehicle registration
• Executor’s details (including the relationship to the agreement holder).

If you need help with this, please contact our friendly team on 0370 419 7000.

A transfer of contract means a new party takes on the vehicle agreement and all future monthly payments (everything else stays the same). It’s not always possible to complete a novation through insolvency because it depends on the insolvency procedure being followed. Please note that we can’t accept novation requests for liquidations or for companies that have been dissolved.

All vehicle contracts must have at least 6 months of term remaining. If there is more than 6 months remaining, and the insolvency procedure may be eligible for novation, a Business Director (as listed on Companies House) should contact your Arval representative. If there are less than 6 months remaining and/or the insolvency procedure is not eligible for novation, the vehicle(s) will need to be collected and returned to Arval. Your Insolvency Practitioner will need to email collections@arval.co.uk to inform us of the novation request at the point of insolvency notification.

Once we have the relevant information, we’ll complete appropriate checks, send over paperwork for the new and existing agreement holders to complete, and ensure any outstanding account balances are settled before we complete the transfer.