I want to purchase an item that is just under a grand through V12 Finance but don't have a very good credit history, as I defaulted on a utility nearly three years ago, but have been very good since then in terms of not missing any payment whatsoever.

I was fortunate to buy my season ticket outright this year with a tax rebate, so didn't go through V12.

Have any of you been approved for finance with a dodgy credit history?