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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:

Transphobic and Discriminatory Staff

Transphobic Team promoting hate against LGBT+ individuals I have had a Finance Agreement with Alphera Financial since 2020 never missed a payment due to my job i was abroad working i transferred my car into my family’s member name who is also on the insurance incase if i was killed abroad as i went to work in a war ridden country. Alphera Sent me a letter while there have been numerous postal strikes and post being late they ask me to ensure the V5 is on my name and send proof of insurance the letter was dated on the 18th of Jan i got the letter on 9th of Feb, the deadline they gave me was until the 7th of feb as only two days difference i called them about 100 times there lines was closed i immediately took steps to rectify the problem i changed the car back and sent then all the required documents they agreed to review it with a manager i disclose to them i am also trans and i am starting to transition to a transgender at this point this discussions took a complete turn they are a bunch nasty disgusting racist discriminatory individuals they decided to terminate my contract because i breached the terms and missed the deadline by two days and now they intend on ruining my credit and my life by reporting it on my credit as default and i never missed one single payment of 696.00 a month I cannot believe they are allowed to get away with this and the UK government and regulatory authorities give these people the power to inflict harm abuse and discrimination to innocent members of society shameful Reviewed on: 15th February 2023

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 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

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 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

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 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

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 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

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 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

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 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

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 out straight away. As a result I would definitely recommend Alphera in the future. Reviewed on: 8th April 2020

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

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 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. Reviewed on: 12th October 2019

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. 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. Reviewed on: 8th October 2019

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