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Hasnain Khan

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Review of the Zuto, Car Finance:

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Extremely Disappointed with Zuto's Unprofessionalism and Lack of Accountability

I am absolutely appalled by the level of unprofessionalism and lack of accountability displayed by Zuto, particularly their finance advisor Dan. As a care assistant who works tirelessly to help the less fortunate, I expected the same level of care and consideration when dealing with my own financial matters. However, my experience with Zuto has been nothing short of a nightmare. Initially, Dan seemed helpful and professional during the application process. However, once I made the payment for the warranty, his attitude took a negative turn. It became evident that he was no longer interested in providing quality service or maintaining a professional demeanor. After two weeks of waiting, Dan suddenly congratulated me on the approval of my finance application and informed me that the vehicle would be ready for collection on Monday. Excited about my new vehicle, I made plans accordingly, taking the day off work and purchasing train tickets for a two-hour journey to the dealership. To my utter dismay, upon arrival at the dealership, I discovered that the payment had not been received, and I could not take possession of the vehicle. In a state of shock and frustration, I immediately contacted Zuto, only to find out that Dan was indeed working that day, despite what his colleague had claimed earlier. Dan then callously informed me that the finance had been rejected, contradicting his earlier statement. The most distressing part of this entire ordeal was Dan's denial of ever telling me to travel to collect the vehicle. As a 51-year-old woman, it was physically challenging for me to undertake a two-hour journey, and Dan's denial felt like a betrayal of my trust. Moreover, he attributed the finance rejection to the belief that the vehicle was not intended for me, even though I had personally confirmed otherwise. When I requested a resolution to rectify this situation, Dan callously stated that he could do nothing and offered nothing more than a hollow apology. To make matters worse, Zuto stopped answering my calls altogether, leaving me stranded without a car and unable to work, resulting in significant financial losses. What infuriates me the most is that Zuto not only failed to deliver on their promises but also refused to take responsibility for their actions. They have not shown any intention to reimburse me for the wasted costs, including the lost day's pay and train tickets. Their denial of any wrongdoing only adds insult to injury. While I acknowledge that financing applications can be rejected, Zuto's deceitful behavior and lack of customer care are unacceptable. I am deeply concerned that the rejection may have been racially motivated, considering my Asian surname. I may be mistaken, but the circumstances surrounding the rejection raise suspicions of racial profiling. I strongly advise anyone considering Zuto for their financial needs to think twice. Their unprofessionalism, dishonesty, and refusal to rectify their mistakes are indicative of a company that cannot be trusted. As a care assistant who genuinely cares for others, I am disheartened to have been treated so callously by a company I had trusted to act in good faith. Reviewed on: 19th July 2023

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