bmwfs.co.uk

Please be aware of BMW finance if you have a life changing situation

purchased my vehicle through Ford, however I later discovered the finance was actually provided by BMW. I took out a five-year finance agreement with the intention of paying the car outright.Unfortunately, I am currently going through a divorce, and during this time I missed two payments. As soon as I realised there was an issue, I contacted the company to explain my financial difficulties and made it very clear that as soon as I had the funds, I intended to pay the car off in full.Despite this, the company claims they sent letters regarding the situation — letters which I did not receive. Instead of engaging with me or offering support, I have now been left with a CCJ against my name and given the option of handing the car back, after having paid for it for over three years. What makes this worse is that I continued making payments even after the missed payments, which were genuinely a mistake during an extremely stressful time.The level of stress and disappointment this has caused is unbelievable. I did everything I could to explain my situation and work with them, yet it feels like the rug has been pulled from under me. Issuing a CCJ in these circumstances is completely unacceptable, and in my opinion this company has not followed FCA guidelines, particularly around treating customers in financial difficulty fairly.I will be escalating this matter to the Financial Ombudsman Service. I would strongly advise others to think very carefully before entering into finance with this company.Disgraceful an utterly pathetic.

Date of experience: Feb 06, 2026