I would like to share this experience in relation to Honda Finance specifically. I leased a Civic for 4 years and never ever missed a payment. I paid the settlement figure recently and explicitly asked whether my final direct debit would be taken as normal to which they replied “yes.” Next thing I knew, I was bombarded with phone calls, texts, letters “you are in arrears, contact immediately to make payment.” My direct debit had been cancelled resulting in me missing my final payment, damaging my credit rating and now that I have come to sell the car (despite having paid it off in full) it has been flagged so I can’t receive the money for it. When I called Honda Finance I was patronised “it would be nice if we could all receive the right information wouldn’t it” a customer advisor told me. I was told a manager would call me back the next day, never happened. I raised a formal complaint, told I would get a response within 7 working days, never happened. I was then told it would be 8 weeks! I still haven’t heard anything. This is how you get treated for being a loyal reliable customer. Avoid at all costs.
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