Review Time
Absolutely appalling experience. Mini/BMW financial services set a wrongful missed payment on my credit file. I’ve been in contact with them several times over the past 8 months to get it resolved. I’ve had confirmation in writing that it is no fault of mine and it will be removed within 28 days (this was 6 months ago). It’s affected my financial eligibility detrimentally as I can’t apply for a mortgage like was planned this year, and they have stopped responding to my emails.
If I could give them a 0 I would! By far the worst company I have ever dealt with.My car's steering rack decided to fail within a year of getting my finance with BMW Finance. This car ended up being off the road of 6 months and when I got it seen to I was advised even by the manufacturer that it was a 'manufacturers' defect.They refused to give me a courtesy car and said it's a problem with Jaguar and I must continue paying for a car £525pm even though it wasn't driveable.After many phone calls between myself and Jaguar they fixed the car free of charge due to it being a defect. When I raised this to Alphera Finance stating this evidence I raised a complaint under Consumer Right act which they rejected in May 2024 (6 months after car first broke) and told me to go to the financial ombudsman.I raised the complaint with the financial ombudsman in May 2024 and sent all evidence over and my complaint was officially lodged and being investigated in June 2024.7 months later - Alphera ignored the financial ombudsman many times unless I called to chase (which you are left on hold for 1.5 hours) to then be told they have contacted the financial ombudsman and they would need more evidence. Even though I had sent absolutely everything and the financiall ombudsman resent everything over on several occasions.FINALLY, they accepted the financial ombudsman findings in Jan 2025 and I refused to pay for that period they used the compensation as arrears payments and left a trail of 6 months missed payments on my credit file.The whole ordeal went on for 17 months and I am still battling with them now to get my car collected.How these guys are FCA regulated is beyond a joke. Steer clear of Alphera Finance / BMW Financial Services.And good luck to anyone dealing with them.The escalations team won't answer calls and simply dismisses any responsibility, sympathy or discussion towards a customer.
I wanted to settle my BMW finance, but after checking my web portal, I found no details available. I tried contacting customer service via phone and was left waiting for 1 hour and 20 minutes with no response. This is extremely frustrating and unacceptable from a brand like BMW. The service experience has been really poor—getting basic information shouldn't be this difficult. Very disappointing
I had a very frustrating experience with BMW Financial Services. They terminated my contract due to a wrongly registered vehicle, which is incredibly unfair since I wasn't the one who registered the car—the dealership handled that when I purchased it. This situation has caused me a lot of unnecessary stress, and I feel let down by their service.To make matters worse, I’ve had to involve a lawyer to address this issue, and I’m also seeking assistance from the Financial Ombudsman. It’s disappointing that I have to escalate this matter to such lengths. I expected much better from a reputable company like BMW, and this experience has left me feeling quite frustrated and disillusioned.
My complaint has been on going since November 2024. When you contact the escalations team they never seem bothered at all which is very alarming to say the least. My imaginary case handler is supposed to reply to me and uphold the complaint? This never gets implemented. My car has sustained multiple heater issues which my local BMW dealer had to negotiate with BMW UK to (under warranty) address the issues. No compensation / exgratia offered. Very disgruntled, I will be going back to AUDI!
Paid off my BMW Finance within the cooling off period before Christmas, 2024. I was quoted an inflated settlement figure which meant I overpaid £407. On discovering the error I called BMW Financial services 30 Dec and the operator confirmed their mistake and raised a case to get me a refund. I had to chase this up multiple times and spoke with their escalations team on 5 February. We agreed and I signed their settlement offer the same day. Their paperwork advised that I could expect the refund within 10 working days. After 10 working days I called and waited for over an hour to speak to someone who arranged for some of the promised monies to be repaid. To date 6 March I have not received the full settlement and I continue to chase. This was a straight forward query which should have been corrected in December. Now entering into third month of chasing them to just execute actions they have agreed to take and have sent me in writing. When telephoning there are unacceptable wait times of over an hour and emails are not replied to. I am still waiting a call back from Georgia King (Agreement: 4163405)
Business PCP on a VAT qualifying BMW i5. To cut a long story short my limited company uses a Revolut Business account as it’s current account. Due to the company being set up and incorporated in Feb 2020 so in the middle of the COVID pandemic, the only way to get a bank account was through Revolut. To the issue at hand, BMW FINANCIAL SERVICES deems Revolut to be HIGH OR VERY HIGH RISK, unlike those very old banks that went bust in 2008 and had to be bailed by the government. The way they treated the whole process is appaling, you default on a payment they get the car back, anything happens the car and loan are insured so they have not got a leg to stand on other than “we don’t like Revolut Business” albeit it’s like any other bank regulated and guaranteed up to the minimum legal amount. Point of the matter is waiting on my deposit to be returned, got 3 hi-end vehicles back in Bucharest a 2023 M3 Competition a X6M50d and a X4m40i all bought brand new through BMW FINANCIAL SERVICES. Due to the way I was treated by the branch in the UK I am terminating the agreement for the 3 vehicles and returning them at the end of this week absolutely disgusting I have approached both Audi and Mercedes NONE OF WHICH HAVE ANY ISSUE WITH MY BUSINESS USING REVOLUT BUSINESS FOR BANKING. BMW NEVER AGAIN!!!!
Trying to use Online service to settle my agreement and they push you to only use Trustly which has such bad online reviews I don't trust them.I requested another method of payment and they said they didnt recgonise my email so wouldnt answer me. I requested a call back online. Nada. I want to pay off my agreement - but seems to be very difficult
If I could give a minus rating I would! What a appalling company with no customer service just telephone reps who want you off the phone asap so you are someone else's problem. They tried to charge me £116.25 to withdraw from an agreement within 24 hrs when the charge was £2.09 per day. Didn't answer emails so I sent the money & fee at £2.09pd. 10 days & 4 phone calls later I am still waiting for them to allocate my payment & end the agreement. On each phone call I am told "later today but definitely tomorrow" I have emailed in 2 complaints-no acknowledgement. AVOID THIS COMPANY I feel as if I am dealing with a scam company! They have totally tainted the purchase of a new BMW. My family & I won't be buying BMW cars again
Absolutely terrible company! Tried last year to repay early, they mucked up the agreement so much to the point, that we have never felt any benefit from it. Like everyone else, spend days trying to get through only to be passed from pillar to post ( never get the same person and no Managers around ). They then brought my agreement forward by 5 months!!! attempted to take £11k from my bank twice without contact, letter or permission! Ombudsman got involved, ordered them to pay compensation & credit balance on my account equating to approx £700, I returned the car, I got in touch with them, again, only had letters threatening me and nothing about returning the car! I have now received a bill for late retuning of that car, £700!!!! It is a joke!!! And no compensation, no apology, no customer service, no letter stating my credit history is unaffected! Nothing! They have no professionalism, no morals! Be warned!!
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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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