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Alphera Financial Services: Alphera Hire Purchase reviews

Name: Alphera Hire Purchase
Rating: 1.96 (54 reviews)

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1.64

Based on 54 reviews, last reviewed 19th Feb 2024

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

20%

2 star

74%

Latest highest rating:

5

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 und... Read more Reviewed on: 8th November 2021

Latest lowest rating:

1

Awful company had no choice when came to useing these guys when got my new car as my dealer only used them. But been very interesting and difficult experience for m... Read more Reviewed on: 19th February 2024

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About this product

Alphera Financial Services car finance reviews can help drivers like you to find out more about Alphera Financial Services before you take a loan to buy that next car. Alphera Financial Services car finance reviews on Smart Money People are written by drivers like you to help other drivers find the best car finance company for them. Smart Money People is the UK's leading financial services review site, so join us today by writing your honest review. Together, we can make financial services work better for everyone.

Alphera Financial Services Alphera Hire Purchase reviews (54)

Review of the Alphera Financial Services, Alphera Hire Purchase:

Con Merchants

I returned a car on PCP from Alphera and was told that I had no mileage cots as i was well under my allowed mileage so could return car with few hundred pounds for wear and tear. After returning car I then received an invoice few weeks later requesting £980 for excess mileage. After ringing them they confirmed that this was a mistake as they have listened to original phone call and a manger would sort it out and get back to me . After a month I recieved another invoice for again980m and rang to discuss this where i was told this is not a mistake and i must payy this so i raised a complaint with the complaints department whilst they investigated it everythinbg would be on hold. Three more invoices arrived with different amounts on and several more hour long phone calls were spent trying to sort this out . After another month i received a letter saying my complaint was not upheld and i must pay the £980 . Few days later i rang and an agressive customer service agent told me that my credit score had now been damaged and will continue to be damaged monthly if i did not pay in full immediately. Even if i had payment plan my credit would show arrears on their invoice i had been assured was wrong and i would not have to pay. Agressive tactics , incompetence and lies were all i encountered during months of nightmare phone calls and threatening letters, they are a dreadful rip off company do not get any finance from them for anything without doubt the worste customer service ive ever encountered and will nevr use them again. Reviewed on: 12th July 2022

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

AVOID!

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

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 rate against the other company. Would definitely recommend! Reviewed on: 7th April 2021

never ever use there service there crooked very

Do with out I will walk before I use them again Reviewed on: 28th January 2021

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 will never use them again. Reviewed on: 23rd October 2020

DO NOT USE ALPHERA

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

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 company? Is it better to now look for another buyer? No sense at all. Reviewed on: 21st August 2020

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

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 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

Nightmare

Total nightmare company wish I'd never set up an agreement with them would definatley never recommend Reviewed on: 18th June 2020

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