FAQs

Find the answers to your questions with no hassle


Money Worries

We understand these can be difficult times and it’s not always easy to talk about. We promise to be open and honest and take your individual circumstances into account to reach a resolution that works for you. All information provided is kept strictly confidential.

Here are the options we offer if you find yourself in financial difficulty.

The impact of our name change on your credit report

We have recently changed our name from Hitachi Capital (UK) PLC trading as Hitachi Personal Finance and Hitachi Consumer Finance, to Mitsubishi HC Capital UK PLC trading as Novuna Personal Finance.

The change will show in your credit report (including for agreements you’ve had with us, but paid off, in the last six years). 

Some credit report providers might notify you of this change as “account added” for our new name and “account removed” for our old name. 

However, please don’t worry, the actual change that occurs on your credit report:

  • is only a change in our name on your existing loans with us or loans you have had with us within the past six years
  • it does not cause a change in your credit score (we have worked with the Credit Reference Agencies and they have confirmed this to us)
  • the history, balance and all other information about your loan has not changed/is not changed as a result of our change of name

If you have concerns or questions about changes to your credit score, you need to contact your Credit Report provider directly.  

We have produced the FAQ below to provide some answers to common questions and sources of further information below: