Alphera Financial Services Alphera Hire Purchase Reviews

Wont return my money after loan repaid

My finance which was always paid in full and on time was cleared when I purchased a new car. Despite Alphera receiving and cashing the cheque they failed to apply the funds to my account. They then took another months direct...

My finance which was always paid in full and on time was cleared when I purchased a new car. Despite Alphera receiving and cashing the cheque they failed to apply the funds to my account. They then took another months direct debit.

Despite fully admitting they need to refund this money they are using all manner of excuses to avoid doing so, so I have now had to turn to the Financial Services Ombudsman for help.

Total joke of a company that willingly lies to you over the phone. Avoid at all costs.

Daniel SpringateLevel 1

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Worst Customer Service I have ever experienced.

I was sold a faulty car by this company, I first complained nearly a year ago. Despite winning a case with the financial ombudsmen I am still awaiting for the company to uphold their decision, despite constantly chasing them....

I was sold a faulty car by this company, I first complained nearly a year ago. Despite winning a case with the financial ombudsmen I am still awaiting for the company to uphold their decision, despite constantly chasing them.
Obviously, once you no longer owe them money, then you are no longer a priority. I would think twice before choosing this financial provider as when something goes wrong, it's incredibly hard to get it rectified.

SezzaLevel 1

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Great Finance compnay and great salesmen MIKE at Phantom motor company

2nd time using this finance company. Mike the salesmen got me a great rate and saved me money. Will always you them for my next cars. Also thank you to phantom motor company.

jasonLevel 1

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very slow, do not refinance

I was with Alphera for HP for 4.5 years without a problem until I decided to sell my car and buy a new one. They were quick to quote on the outstanding balance and the refinance for the new car. However, after I paid my loan off, I was unable to sell...

I was with Alphera for HP for 4.5 years without a problem until I decided to sell my car and buy a new one. They were quick to quote on the outstanding balance and the refinance for the new car. However, after I paid my loan off, I was unable to sell my car as it still showed outstanding HP. Phone calls back and forth and still not settled. Wonder when it finally shows that I did pay it off and to be able to sell my car. Waiting game.
It's been 10 days since I asked to refinance my car. Only the person who deals with my case can handle everything and is not in every day. I was getting so frustrated with their snail like pace in processing my finance that I decided to get a loan from the dealer with the same APR. This was dealt with withing 15 minutes and I can now collect my car.

UnsatisfiedLevel 1

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Stay away from this company

Sold a faulty car, financed through Alphera. Told them in writing that I wanted to terminate contract as retailer took 108 days to repair my car which still isn't fixed and has 1195 extra mileage on the odometer since being in the garage. Refused to...

Sold a faulty car, financed through Alphera. Told them in writing that I wanted to terminate contract as retailer took 108 days to repair my car which still isn't fixed and has 1195 extra mileage on the odometer since being in the garage. Refused to terminate because apparently I only let them and the broker know and not the garage. Contract is with Alphera not the garage I bought it from so no idea why they feel that is valid anyway. They take forever to respond, on hold for half hour at a time. They do not listen to your problems, complaints or situation. Mileage restrictions on contract without proof of current mileage at purchase date. Neglecting, inconsiderate, unprofessional, contradictory and slow to respond. They are Happy to take your money of course.

GeorgiaLevel 1

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Buyer Beware

I purchased a new car with this company 4 years ago. Payments were always made before they were due online everything was going great. I was working two jobs then I fell and crushed my ankle had to have surgery and things changed for me. After my...

I purchased a new car with this company 4 years ago. Payments were always made before they were due online everything was going great. I was working two jobs then I fell and crushed my ankle had to have surgery and things changed for me. After my surgery my health got worse and I had to file bankruptcy due to medical costs. The car financed through Alphera Financial Services was not included in the bankruptcy - they just had to be notified. After being notified, Alphera immediately locked me out of their website so I couldn't make online payments; they refused to send me invoices or statements and when I called to make payments they charged me a nice size processing fee. I continued writing and calling in an attempt to regain my online privileges, but they wouldn't allow me to be back on. I had to continue making my payments via telephone while paying the large processing fee. In October 2018, I purchased another car and used this car as a trade-in. The new company paid off the remaining balance and I had Alphera owed me a $136.00 refund. They refused to reimburse me the money owed; so I had to file a complaint with the Attorney General's office who made them reimburse my money. All I can say is consumer beware of this company.

DebraLevel 1

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A shocking company who should be checked for doing so many things wrong

I wouldn't recommend this company to anyone. I wish I had read your reviews on this company and would never had gone with them had I done so. I've suffered so much financially! They get second hand car dealers to sell their products, these staff...

I wouldn't recommend this company to anyone. I wish I had read your reviews on this company and would never had gone with them had I done so. I've suffered so much financially! They get second hand car dealers to sell their products, these staff tell you the wrong things. They talk about allowing you to appeal and then they've already made up their mind. They don't see the cars being sold with all their faults, nor is a report completed at the beginning and yet they expect you to return the car in completely unrealistic condition. Watch out for the credit charges on top of interest. I was landed with a hefty bill at the end!! AVOID AVOID AVOID!!!

Dinah KenningtonLevel 1

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Absolutely shocking company

I foolishly didn’t research this company until after I had taken there product. To say they have no knowledge of uk consumer law is the biggest understatement I’ll ever make . Stay away from these jokers

Trevor DixonLevel 1

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Brilliant company

These guys have constantly kept me informed about everything going on with my finance. I have contacted them on various occasions about some general queries and to pay off my agreement early and the guys I've spoken to on the end of the phone have...

These guys have constantly kept me informed about everything going on with my finance. I have contacted them on various occasions about some general queries and to pay off my agreement early and the guys I've spoken to on the end of the phone have really been a great help and all really friendly. Can't recommend enough!

Jack RawlingsLevel 1

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Very good company

Buying a car was so easy thanks Alphera

Peter Level 1

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Useless

All I needed was a copy of my finance agreement for my accountant. After three phone calls over three days, and a final 35 minute phone call, I still haven’t received the document/agreement. They kept sending me an agreement which wasn’t for me, and wa...

All I needed was a copy of my finance agreement for my accountant. After three phone calls over three days, and a final 35 minute phone call, I still haven’t received the document/agreement. They kept sending me an agreement which wasn’t for me, and was for a completely different person and car. I will never use this company again.

Stuart CrosbyLevel 1

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Crap service

Pay off in full, they miss part of payment , ring to sort, get a letter saying I am in arrears, ring again, oh it's just automated, no apology no nothing, managers all in a meeting. Won't go near again

IanLevel 1

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Excellent

They helped me every step of the way and allowed me to get my dream car.

DeanLevel 1

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Fast Response

Fast responses and credit level responded to my expectation

SophieLevel 1

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Brilliant

Found it to be a quick and easy process with no issues

J PLevel 1

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Here to cheat your money. They do not honour the terms of the contract

Never go with Alphera financial...

Never go with Alphera financial services!
Despite me cancelling the agreement within 3 days, well within my rights of cancelling within 14 days as per the contract, and providing them evidence of me doing so, they are still trying to make me pay an advance of £9000 plus interest!
They can't even honour the contract and the 14 day cooling off period.

Lip LeeLevel 1

(5)

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Excellent service

The support they offer customers is excellent

JupiterLevel 1

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Great customer service

Alphera have made getting finance very simple and their customer service is good

Ben Level 1

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Terrible service I advise everyone staying away from this company.

They are there not to serve but how to get you in to rip you off. I xm trying to pay off the loan of 30.000 thru would only give discount of $85.00 for whole amount owed while charging 7% interest.

TorCanLevel 1

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top notch service & highly recommended

Alphera was the only company that considered financing the SUV I desperately needed due to a permanent disability. They're extremely flexible and always supportive if I need them to take a payment late or whatever. I'm shocked by the poor ratings...

Alphera was the only company that considered financing the SUV I desperately needed due to a permanent disability. They're extremely flexible and always supportive if I need them to take a payment late or whatever. I'm shocked by the poor ratings here, as long as you communicate with them I have found they bend over backwards to help. I wouldn't hesitate to recommend their services to anyone.

Sarah Louise ShawLevel 1

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