Review Time
Paid off my loan. Didn't even get an acknowledgement by email. Was promised a certificate proving no part ownership, nothing happened. Chased and was sent one with garbled incorrect licence plates.Every time I called has to wait through 5 minutes of recorded irrelevant guff
I purchased a BMW M4 Convertible and an X5 40d M-Sport in 2015, when the finance agreement for the M4 ended in 2019 I gave the car back to BMW FS, they collected the car and I bought a Mercedes C63.Fast forward 6 years and I received a notice of intended prosecution from the MET Police for doing 51mph in a 40mph limit.I spoke to the police and they advised I just needed confirmation and evidence that I was no longer the owner or keeper.Easy I thought, BMW FS would be able to provide record of the ending of my agreement and the collection of my car, putting me in the clear.Unfortunately BMW insist on making even discussing the issue a problem by going through security and asking questions about how much were the payments and what bank did I use, eventually I found the information but the person I spoke to said ‘you should have completed the V5 when returning the car’ which I did, but no longer had proof as I’d shredded all paperwork 4 years after returning the car.Instead of helping, all I got was patronising and condescending attitude and a complete lack of help and support.I called back and asked for a manager, my request was denied, I asked to make a complaint, my request was denied… There is nothing you can do at all to get to speak to someone with any kind of customer satisfaction or support mentality… They are completely devoid of any kind of willingness to help a customer. The complaints process is also next to useless, if you try and complain, it’s the same customer number and they won’t document your complaint and the website is next to useless…With a name brand of BMW I’m surprised at the complete disregard of customer service and I can honestly say that I’m glad I don’t have and would never buy one of their cars ever again… Terrible dealers, awful customer service and after 3 calls into them, I can honestly say, I’d never, ever buy a BMW ever again. 0/10 for customer service… Avoid !!
Requested a settlement figure and duly sent payments by recorded post. Did not hear anything. I emailed a chaser, and was informed they had not received the funds. This was incorrect, as the post was tracked. Funds took some time to be cleared, however no confirmation received from BMW FS. Made a complaint about the lack of service, but not upheld. Does this company NOT understand that these are large sums of monies involved, and customers should be informed when these things have been processed. FoS here we come.
My wife and I decided to renew our BMW, sadly they turned us down not because of bad credit, history or anything else financial but because her husband a retired veteran chose the car! They decided it was for him nor her? I served 14 years for my country this is how how BMW disrespect you
Appalling service. They continued to take monthly payments for 6 months after the finance was unwound. They owe me over £1500. Only when you threaten to go to their offices in Farnborough and request a meeting with their CEO does anything seem to happen. Still waiting on the refund. Apparently be the end of this week. If not, I'll be popping down next week! Stay posted for an update on X, Twitter etc....
BMW FS UK have no concern for their customers. They slapped a default on my credit file, and when legally they should have removed it they chose not to. When raising a formal complaint with them, they did not follow their own policy, and even to date have not bothered to respond. Their conduct had a direct result on me being blocked for a mortgage 4-months longer than legally needed causing a house purchase to fall through. Use BMW FS UK at your own risk, they have no morals, if they did they'd treat their customers with respect.
They stated ‘ I can see that we have provided you with the Final Response Letter to your complaint and confirmed what is required to continue with our investigation.’Yet I have provided this time and time again and now will take the matter to court they are cowboys!!!
Serious mishandling and unlawful credit reporting by BMW Financial ServicesBMW Financial Services has admitted in writing that they wrongly advised me to cancel my Direct Debit, attempted to take payment in error, and then unlawfully placed a late payment marker on my credit file — even though my account was fully settled.They’ve since acknowledged their mistake and confirmed that the credit marker is being removed, yet they’ve offered only £250 in compensation for the reputational and financial harm caused.As a professional lender, my credit profile is integral to my work. This error has impacted my credibility, caused unnecessary stress, and potentially cost me business opportunities. BMW’s handling of the issue has been slow, dismissive, and far below the standards expected of a regulated financial institution.I strongly urge anyone considering BMW Financial Services to be cautious. Their internal processes and customer care are clearly failing — and even when they admit fault, they minimise the impact on the customer.My case is now with the Financial Ombudsman Service, and I will update this review with the outcome.
Returned my 5 series back to them in March, and a month later got an amount back from them which was a lot less than it was worth, as they sold it through an auction. However, i put it down to experience, and paid the small amount left to clear the account. Last week however, they sent me a letter from a subsidiary company of theirs, Alphera,stating I owe them a further £7800, as when they put their car through their workshop when it was returned, they claimed I had clocked it by over 50000 miles. Funny that, considering all the service and MOT history of the car showed that this was not the case, but after proving this to them, they said they cannot overrule it. Even stranger was the car sold for less than this at auction, meaning that they get my car for free, plus another £420! Be careful if you return a car back to them, as it sounds like they are trying to scam customers out of more money with no proof or substance whatsoever. Reading other reviews on here, it sounds I am not the first person they have tried to defraud. Anyway I will now be filing a report to the FSA about them in the hope that they can be brought to justice.
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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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