I am extremely dissatisfied with the way this company has handled my account. I always paid every monthly payment on time and in full, never... I am extremely dissatisfied with the way this company has handled my account. I always paid every monthly payment on time and in full, never once falling into arrears. After my car was stolen, the insurance company paid around 80% of the remaining balance, and I personally settled the difference just a few days later. Despite this, I was wrongly informed that my account was “in arrears.” When I questioned how this was possible, given my flawless payment history, I was told: “it’s just the way we do things.” Shortly after, I received a formal “Notice of Arrears” from their collections department, along with an FCA flyer about debt advice and financial stress. This was completely inappropriate, misleading, and insulting, considering my account was never in arrears at any point. In my view, this company’s conduct is unacceptable, unprofessional, and shows a disregard for treating customers fairly. I would strongly caution others based on my experience. Read more Read less

AVOID AVOID AVOID , whatever you do please go to your Bank , online loans or any other loan provider before using these cowboy's, they... AVOID AVOID AVOID , whatever you do please go to your Bank , online loans or any other loan provider before using these cowboy's, they should be closed down I don't know how they get away with it Read more Read less

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... 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 me. Very difficult to get through talk to someone. Don't reply to emails. Very unhelpful when comes to trying pay settlement off and don't check thier accounts properly. Read more Read less

Very unprofessional company, very rude abusive fees, scammers!!! Avoid. They don't know how to talk with people on phone they sound like retardinho

Saj I think he’s name is as I couldn’t understand him at all, Linda and Zoe (executive apparently) not sure how she’s very rude and... Saj I think he’s name is as I couldn’t understand him at all, Linda and Zoe (executive apparently) not sure how she’s very rude and if you try to talk she will terminate the call. I would ask everyone to call and request your settlement figure via email Read more Read less

Long story short, there was over a thousand pounds overpay on my statement, it took them two weeks ‘to investigate’, took me over 10 phone... Long story short, there was over a thousand pounds overpay on my statement, it took them two weeks ‘to investigate’, took me over 10 phone calls to finally get a refund from a person that finally took pity on me a processed it within 10 minutes, 10 minutes that’s how long it took and I’ve been fighting to get my money back for 2 weeks, while being constantly lie to - oh yeah you will get it tomorrow, next day? Oh yeah sorry my colleague made a mistake and it’s gonna be tomorrow, and so on for two weeks. Avoid this company as much as you can! Read more Read less

The absolute worst company I have ever dealt with. So rude, so thick as they don't seem to understand e mails, don't understand telephone conversations.... The absolute worst company I have ever dealt with. So rude, so thick as they don't seem to understand e mails, don't understand telephone conversations. In fact they are useless. DO NOT TAKE FINANCE WITH THIS COMPANY. YOU'LL REGRET IT Read more Read less

They don't answer any calls or correspondence requesting settlement. Rogues

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... 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 Read more Read less