As an aside, when it comes to PCP's or monthly payments on cars there are nearly always options, no matter what your credit. Bear in mind you don't have any CCJ's either. However the payments will be more expensive.
The same goes for mortgages, defaults become less important as they age, also having a higher deposit can compensate for a multitude of sins.
All the above is my own personal experience, it's never the end of the world.
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!