Rubbish

Total crap been with them for years never missed a payment and they have rejected me for a new PCP deal well they can poke the car i have as unless they have a good reason for it my credit score is 979 out of 999 so no excuse the car i have will be... Read more

Total crap been with them for years never missed a payment and they have rejected me for a new PCP deal well they can poke the car i have as unless they have a good reason for it my credit score is 979 out of 999 so no excuse the car i have will be going back never again

Reviewed on 14th November 2021

Gaz

Great service

I have always received great service from Alphera, just signed a second deal with them. It’s nice to deal with a large financial organisation that understands the importance of meeting a customers needs and expectations

Reviewed on 8th November 2021

Sat Singh

AVOID!

I cannot stress enough how crooked Alphera are, they should be avoided at all... Read more

I cannot stress enough how crooked Alphera are, they should be avoided at all costs.
Given they are a part of BMW FS, I figured I would be in safe hands. I was so very wrong. Bought a shed of a car from Arnold Clark on PCP financed by Alphera back in June 2021, which resulted in vehicle rejection. I followed all of the legal requirements for me, as the consumer, which included allowing an independent inspection at the manufacturer (at Alphera’s request). They accepted the inspection report and the vehicle rejection, but seem to think that their procedural timeframe of “8 weeks to resolve a complaint” somehow trumps the 14 days by which a rejection should be concluded, as written in the Consumer Rights Act 2015 (law!). Took me 2 months from independent inspection to get the rejection completed, and of course this is well outside the 8 weeks for resolving a “complaint” (which this clearly wasn’t!). Every week I had to chase alphera for an update, they were not forthcoming with a single piece of information. Every action that they had to take, only took place at the time I made chasing calls. They were literally sitting on my legal issue and doing precisely nothing. The staff are rude, and simply lie when they tell you they’ll do something to help… spoiler, they won’t! One man called Raj even laughed at my situation.
In summary, go elsewhere… and I mean ANYWHERE ELSE!!!

Reviewed on 30th September 2021

Louise Salanki

Excellent, fast and efficient service

After my previous HP Loan provider let me down at the last minute, despite running around for two weeks to get approvals in place, Alphera responded quickly, and efficiently, confirming the loan, helping me buy by car same day, and even lowering my... Read more

After my previous HP Loan provider let me down at the last minute, despite running around for two weeks to get approvals in place, Alphera responded quickly, and efficiently, confirming the loan, helping me buy by car same day, and even lowering my rate against the other company. Would definitely recommend!

Reviewed on 7th April 2021

Paul Mellon

never ever use there service there crooked very

Do with out I will walk before I use them again

Reviewed on 28th January 2021

Donald williams

Avoid this company at all costs

I would not advise using this company. They have falsely reported information to credit reference agencies, which has subsequently ruined my credit score. I have never received so much as an apology from them. The customer service there is shocking. I... Read more

I would not advise using this company. They have falsely reported information to credit reference agencies, which has subsequently ruined my credit score. I have never received so much as an apology from them. The customer service there is shocking. I will never use them again.

Reviewed on 23rd October 2020

Charlotte

DO NOT USE ALPHERA

It has been 2 months since my car broke down and I'm still chasing people to get my money... Read more

It has been 2 months since my car broke down and I'm still chasing people to get my money back.

The dealership has accepted the rejection of my car and refunded the money to Alphera.

I spoke to someone from customer escalations team yesterday (12/10/2020) at 09.28AM who promised me that the money you owe me will be in my bank account by 5.00pm today (13/10/2020). It is 5.45PM now and I still haven't received my money. Previous to that I spoke with Jack Hope from customer escalations on 06/10/2020 at 09.55am, who promised me that the money will be in my account by end of last week.

Reviewed on 13th October 2020

Hashan Dias

No logic

Wanted to refinance my car after 4years because my finance agreement comes to an end next month and I couldn’t do it because mileages on the car was too high. Where is the logic? If I want to keep the car so what difference mileages makes for the c... Read more

Wanted to refinance my car after 4years because my finance agreement comes to an end next month and I couldn’t do it because mileages on the car was too high. Where is the logic? If I want to keep the car so what difference mileages makes for the company? Is it better to now look for another buyer? No sense at all.

Reviewed on 21st August 2020

S

Help?

Have a car through Alphera finance . Wish I had read the reviews. Cannot use the car due to the oil light coming on. It's had several litres of oil, new oil filer, and other things. Alphera won't cancel the contract, and the car Can t be used. So rude.

Reviewed on 12th July 2020

Phoenix7

Wow they are certainly not on the customers side

Dream car ordered with PCP agreement, brand new, straight out of the factory the door shuts and bonnet are out of alignment, the car rear quarters and boot have had paint rectification with overspray, rough masking... Read more

Dream car ordered with PCP agreement, brand new, straight out of the factory the door shuts and bonnet are out of alignment, the car rear quarters and boot have had paint rectification with overspray, rough masking edges.
The dealer (Jardine Motors / Lancaster of Cambridge) took the car back to rectify paint issues but made matters worse by buffing through paint in three places and staining an alloy meaning it needs more respraying which was the last straw on a brand new car.
An experienced independent engineer also identified paint thicknesses ranging from 120-290 microns and a few other issues, so the car was rejected within the statutory 30 days.
Alphera agreed rejection on 8/6/20 and then on 15/6/20 changed their mind because Lancaster suddenly developed amnesia and "had never carried out corrective works" on the car, nor were they aware of any other issues being reported, even though the dealer principal was there when I collected the car from being in their bodyshop as he has apparently taken video of me without my knowledge or permission.
Dont worry though we have the emails, whatsapp messages and mobile phone records etc to prove they knew and had accepted responsibility which are with counsel as we speak.

Reviewed on 25th June 2020

Simon

Nightmare

Total nightmare company wish I'd never set up an agreement with them would definatley never recommend

Reviewed on 18th June 2020

Nicky Watts

Completed finance but they registered 2 missed payments.

At the beginning of April I arranged collection of a car after the PCP agreement completed, due to COVID they were unable to collect until mid June, they have finally collected but I had to tax and insure the car to cover for 3 months. I recieved a... Read more

At the beginning of April I arranged collection of a car after the PCP agreement completed, due to COVID they were unable to collect until mid June, they have finally collected but I had to tax and insure the car to cover for 3 months. I recieved a request for payment for excess mileage on the same day thay I recieved an alert that they had tanked my credit rating by 200 points for missed payments they are not due.

Reviewed on 15th June 2020

Simon Roockley

They are CRIMINALS

I have lost all my hope!!!! This people are CRIMINALS, bought a FAULTY BMW from Henley Cars. 8 Days after the car broke. I took it to service to make a report of the faults they found OVER 30 FAULTS with the car. By LAW I am entitled to a complete... Read more

I have lost all my hope!!!! This people are CRIMINALS, bought a FAULTY BMW from Henley Cars. 8 Days after the car broke. I took it to service to make a report of the faults they found OVER 30 FAULTS with the car. By LAW I am entitled to a complete refund. When I provided the document to Alphera, they disappeared and started to ignore me completely. I still pay monthly for the car to Alphera , lost ALL MY MONEY and have a BROKEN CAR. My LAWYERS are in shock and state that what they do is ILIGAL!

Reviewed on 2nd June 2020

Al

Avoid avoid, SCAMMERS Do not take FINANCE WITH THIS.

I have a car Finance with this company, and I’ve been paid 5 months 163 per month, and turns up i have paid only 330 to the capital and 490 to the interest coz the interest strats very high, I wanted to settle early and they told me i need to pay a... Read more

I have a car Finance with this company, and I’ve been paid 5 months 163 per month, and turns up i have paid only 330 to the capital and 490 to the interest coz the interest strats very high, I wanted to settle early and they told me i need to pay another 182£ on top of that. Scammers never send me anything about the way sharing the interest.
AA FINANCE SOLD ME THIS. AVOID

Reviewed on 22nd May 2020

Cajup myrta

AVOID AVOID AVOID AVOID AVOID.

PLEASE PLEASE PLEASE PLEASE PLEASE AVOID THESE ABSOLUTE COWBOYS!!!! Purchased a car from a VW dealer with a fault. Sent the car into VW and they replaced a wheel bearing. Fault was still present on the car to be told it was a characteristic. 3 months... Read more

PLEASE PLEASE PLEASE PLEASE PLEASE AVOID THESE ABSOLUTE COWBOYS!!!! Purchased a car from a VW dealer with a fault. Sent the car into VW and they replaced a wheel bearing. Fault was still present on the car to be told it was a characteristic. 3 months later the financial ombudsman have agreed in my favour. Alphera have no clue on the UK law. They have also now stopped replying to the Financial Ombudsman!! absolutely awful company. Now left with no car to use and no response. AVOID AT ALL COSTS. IF SOMETHING GOES WRONG YOU'RE ALONE!!!!

Reviewed on 22nd May 2020

Ashley

Great Underwriting Team

I Have been with Alphera for the Past 18 months they financed my Maserati originally, I approached them through a dealer one day ago to get another car and change my current one, The underwriting team sorted it really quickly as My married name was... Read more

I Have been with Alphera for the Past 18 months they financed my Maserati originally, I approached them through a dealer one day ago to get another car and change my current one, The underwriting team sorted it really quickly as My married name was not showing up on my credit report. My score was low because of my change of name and all of my accounts wasn't reflecting on my credit reports. They understood and it was sorted, great, efficient, and professional and they treated me like how I expected to be treated as I never missed a payment with them. Thanks for showing your Loyalty to me again. I will stick with you for a while.

Reviewed on 21st May 2020

Dr Andrei Klein Velloms-Hodgson

btc

I can’t believe this happened to me because i just decide to give it try, I was reading about cryptocurrency because i am really interested in investing in cryptocurrency because from the books i’ve read…The digital currency is the future, I saw the bi... Read more

I can’t believe this happened to me because i just decide to give it try, I was reading about cryptocurrency because i am really interested in investing in cryptocurrency because from the books i’ve read…The digital currency is the future, I saw the bitcoins price and it is way too steep for me financially so i had to read some books about trading because that’s the only way to acquire bitcoins since it’s high. I tried to trade on my own but didn’t go through then i began to look for a trader online. I got to a forum on youtube and i get to see everyone giving testimonies of how the Mr William lee helped them trade bitcoins in less than 3 days. I read some reviews on youtube and i decided to continue doing my research, I got to a forum on disqus and other websites as well and i couldn’t get enough of the Mr William testimonies. I am just seeing his emails everywhere and how he help families and more. I decided to give it a try and had to go for his lowest package at first because i am nervous. Then Mr William lee help me trade 1.3223 btc in less than 4 days and i am ready to invest the whole 1.3223 btc with him again so i can get 6 BTC. I just have to drop this here because i saw his info online and i am on my way to be financially free for the rest of my life. I don’t want to be selfish…. You all should contact Mr William below via email leewilliam664@gmail.com and he will get back to you in no time. You will thank me later for this great info whatsapp +14086012169

Reviewed on 18th May 2020

herber

No help whatsoever during Covid-19 pandemic

After numerous calls and emails to try and arrange a payment holiday during the Coronavirus crisis I finally got through only to be told they don’t give payment holidays and that I’d have to give details and they will decide how much I can drop my pay... Read more

After numerous calls and emails to try and arrange a payment holiday during the Coronavirus crisis I finally got through only to be told they don’t give payment holidays and that I’d have to give details and they will decide how much I can drop my payments by but surprisingly enough Alphera financial services in Republic of Ireland give their customers a payment holiday within 5 minutes online. So absolutely disgusting, shame on bmw.

Reviewed on 12th April 2020

Daragh lynch

Great customer service fro Nicola

I called today to see what help I could get from Alphera during the Covid-19 pandemic. Nicola was the name of the customer advisor that took my call. Nicola was so lovely and made feel at ease. She was understanding of the my situation and helped me... Read more

I called today to see what help I could get from Alphera during the Covid-19 pandemic. Nicola was the name of the customer advisor that took my call. Nicola was so lovely and made feel at ease. She was understanding of the my situation and helped me out straight away. As a result I would definitely recommend Alphera in the future.

Reviewed on 8th April 2020

Jp1998

No help at all during covid19 NOT IN IT TOGETHER

I am self employed and will not get a penny for at least 2 months during this covid 19 crisis. I phoned asking for a pyment holiday or help, but was refused point blank. will not be using these guys again

Reviewed on 27th March 2020

no help whatsover