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I am writing to formally complain about a late payment marker that BMW Finance has placed on my credit file relating to an undisclosed £14.40 administration fee.While I fully acknowledge the speeding offence and paid the fine in full, as well as completing a speed awareness course, I was never informed that an additional administration fee was payable to BMW Finance. I received no correspondence whatsoever, no email, letter, telephone call, or reminder - either before or after the alleged due date.The first notification I received was months later, via Experian, advising that a late payment had been recorded on my credit file.This is particularly concerning given:• I have leased a vehicle through BMW Finance for over two years• I have never missed a payment, either with BMW Finance or across my entire credit history• The amount involved was £14.40• No opportunity was provided to rectify the issue before adverse credit reportingAs someone working within financial services, I am aware of the FCA’s expectations regarding:• Fair treatment of customers• Proportionality in credit reporting• Reasonable steps to notify customers before adverse actionIn my view, recording a late payment under these circumstances is disproportionate, unfair, and procedurally flawed.I am requesting:1. Immediate removal of the late payment marker from all credit reference agencies2. Confirmation of how and when BMW Finance believes notification was issued3. Assurance that internal processes will be reviewed to prevent similar issuesShould this matter not be resolved satisfactorily, I will have no hesitation in escalating the complaint to the Financial Ombudsman Service, and if necessary raising concerns with the FCA regarding process failures.I trust BMW Finance will resolve this promptly and fairly.
Absolutely disgusting finance company! I’ve got Car Finance with BMW, the car has been written off, I am awaiting the Insurance company to pay out, it has taken a little while and BMW are now trying to default me, I’ve been paying the monthly payment still and now as trying to default me they are trying to charge me the finance amount plus the full interest! Had a letter thought the post! If they charge the full amount I will be taking this to the financial ombudsman for them to sort! Would never take out car finance with them again!
would give minus 100 stars .This corrupt company helped corrupt police officers from wandsworth police station to steal my vehicle with all my possesions( laptop with important employment tribunal and court documents onit, my ID( identity theft) , my wallet with bank cards and credit cards inside , my thob , house keys , logbook that was sealed but illegally opened by them , confidential letters and unopened letters addressed to my family and much more items that will be seen on the body worm camera from the corrupt discriminating officers. This company are complete fraudsters , and they carry out illegal activities with corrupt police officers and corrupt insurance company like Allianz. This company alongside with corrupt officers got my policy voided and the corrupt insurance company Allianz voided my insurance without notification which is illegal just so this corrupt fraudulent company and corrupt discriminating officers could steal the vehicle and to top it of they purposely incorrectly filled out the seizure form just so i wouldnt be able to collect the vehicle I went to peri vale police impound to collect the vehicle to be then told by the member of staff ( police) that my car is not their and its not at Charlton and then he asked me ' am I sure it was police who seized it , because no transportation or seizure form has been sent to them to say the car has been seized and then he advised me to report the car stolen which i did but Jo , the 101 operator falsfied my crime report intentionally to help her corrupt colleagues which then i made a complaint. I got a cad reference and a crime reference. The car was then spotted at wandsworth police station? The same day I attended the police impound. The Alphera / BMW finance recovery team then went to collect my car without notifying me and tried to send me a default notice , are you being for real? It's mad how they can carry out such illegal acts and get protected but anybody else would get prison time.
We contacted BMW Financial Services UK today regarding a query about our finance agreement. I spoke with Amanda Graham, who was lovely to deal with and really took plenty of time to explain everything. At first, I still didn't fully understand, so I apologised to Amanda. She said no problem, and we had a little laugh about it. She kindly explained it again, and I got it the second time around. Amanda was very friendly and helpful whilst remaining professional. I wish more companies had an Amanda at the end of the phone; life would be so much more relaxed and stress-free. 10 out of 10 in every aspect, excellent experience.
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BMW Financial Services (GB) Ltd offer a comprehensive suite of vehicle finance products, as well as providing a range of insurance and protection solutions.
We are responsible for brands such as BMW Financial Services, MINI Financial Services, BMW Motorrad Financial Services, ALPHERA Financial Services, Rolls-Royce Motor Cars Financial Services and Aston Martin Financial Services. BMW Financial Services (GB) Limited is authorised and regulated by the Financial Conduct Authority.See more
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