BMW Financial Services UK Recensioni 

collections team 60 mins + wait time
How do you intend to contact me? I called again today and gave up after 30 mins

BMW Financial Services are the worst organisation I have ever had the displeasure to use. I have had to report them to the Financial Ombudsman twice. I would advise anyone to avoid using this organisation at all costs. My experience was in March 2023.
I wouldn't even give them one star.

Disgraceful organisation. Avoid them!

Unfortunately BMW FS/Alphera FS, have ruined my day to day life for the past several months. What initially was a very straightforward case to be resolved, which they agreed was the best way forward, has now turned out to be a mentally, and physically exhausting ordeal which continues till this day. The car in question was declared unroadworthy and riddled with faults, which the SDL refused to fix. BMW FS/Alphera agreed that I was in the right and they a FULL REJECTION would now take place. This was the last I heard over 6 months ago. No emails, no calls nothing. I email them daily asking, begging for a response or resolution but I am met with silence. I have the financial ombudsman also get involved and they are also being met with silence. I am now planning to have the FCA involved as the agreement is regulated and I have continued to make payment even though the car has not moved from the driveway since Sept 2024. BBC watchdog will e contacted this week also as I am out of ideas and cannot afford for this to carry on any longer.

Absolutely appalling experience. Mini/BMW financial services set a wrongful missed payment on my credit file. I’ve been in contact with them several times over the past 8 months to get it resolved. I’ve had confirmation in writing that it is no fault of mine and it will be removed within 28 days (this was 6 months ago). It’s affected my financial eligibility detrimentally as I can’t apply for a mortgage like was planned this year, and they have stopped responding to my emails.

If I could give them a 0 I would! By far the worst company I have ever dealt with.

My car's steering rack decided to fail within a year of getting my finance with BMW Finance. This car ended up being off the road of 6 months and when I got it seen to I was advised even by the manufacturer that it was a 'manufacturers' defect.

They refused to give me a courtesy car and said it's a problem with Jaguar and I must continue paying for a car £525pm even though it wasn't driveable.

After many phone calls between myself and Jaguar they fixed the car free of charge due to it being a defect. When I raised this to Alphera Finance stating this evidence I raised a complaint under Consumer Right act which they rejected in May 2024 (6 months after car first broke) and told me to go to the financial ombudsman.

I raised the complaint with the financial ombudsman in May 2024 and sent all evidence over and my complaint was officially lodged and being investigated in June 2024.

7 months later - Alphera ignored the financial ombudsman many times unless I called to chase (which you are left on hold for 1.5 hours) to then be told they have contacted the financial ombudsman and they would need more evidence. Even though I had sent absolutely everything and the financiall ombudsman resent everything over on several occasions.

FINALLY, they accepted the financial ombudsman findings in Jan 2025 and I refused to pay for that period they used the compensation as arrears payments and left a trail of 6 months missed payments on my credit file.

The whole ordeal went on for 17 months and I am still battling with them now to get my car collected.

How these guys are FCA regulated is beyond a joke. Steer clear of Alphera Finance / BMW Financial Services.

And good luck to anyone dealing with them.The escalations team won't answer calls and simply dismisses any responsibility, sympathy or discussion towards a customer.

Paid off my BMW Finance within the cooling off period before Christmas, 2024. I was quoted an inflated settlement figure which meant I overpaid £407. On discovering the error I called BMW Financial services 30 Dec and the operator confirmed their mistake and raised a case to get me a refund. I had to chase this up multiple times and spoke with their escalations team on 5 February. We agreed and I signed their settlement offer the same day. Their paperwork advised that I could expect the refund within 10 working days. After 10 working days I called and waited for over an hour to speak to someone who arranged for some of the promised monies to be repaid. To date 6 March I have not received the full settlement and I continue to chase. This was a straight forward query which should have been corrected in December. Now entering into third month of chasing them to just execute actions they have agreed to take and have sent me in writing. When telephoning there are unacceptable wait times of over an hour and emails are not replied to. I am still waiting a call back from Georgia King (Agreement: 4163405)

I wanted to settle my BMW finance, but after checking my web portal, I found no details available. I tried contacting customer service via phone and was left waiting for 1 hour and 20 minutes with no response. This is extremely frustrating and unacceptable from a brand like BMW. The service experience has been really poor—getting basic information shouldn't be this difficult. Very disappointing

My complaint has been on going since November 2024. When you contact the escalations team they never seem bothered at all which is very alarming to say the least. My imaginary case handler is supposed to reply to me and uphold the complaint? This never gets implemented. My car has sustained multiple heater issues which my local BMW dealer had to negotiate with BMW UK to (under warranty) address the issues. No compensation / exgratia offered. Very disgruntled, I will be going back to AUDI!

If I could give a minus rating I would! What a appalling company with no customer service just telephone reps who want you off the phone asap so you are someone else's problem. They tried to charge me £116.25 to withdraw from an agreement within 24 hrs when the charge was £2.09 per day. Didn't answer emails so I sent the money & fee at £2.09pd. 10 days & 4 phone calls later I am still waiting for them to allocate my payment & end the agreement. On each phone call I am told "later today but definitely tomorrow" I have emailed in 2 complaints-no acknowledgement. AVOID THIS COMPANY I feel as if I am dealing with a scam company! They have totally tainted the purchase of a new BMW. My family & I won't be buying BMW cars again

Business PCP on a VAT qualifying BMW i5. To cut a long story short my limited company uses a Revolut Business account as it’s current account. Due to the company being set up and incorporated in Feb 2020 so in the middle of the COVID pandemic, the only way to get a bank account was through Revolut. To the issue at hand, BMW FINANCIAL SERVICES deems Revolut to be HIGH OR VERY HIGH RISK, unlike those very old banks that went bust in 2008 and had to be bailed by the government. The way they treated the whole process is appaling, you default on a payment they get the car back, anything happens the car and loan are insured so they have not got a leg to stand on other than “we don’t like Revolut Business” albeit it’s like any other bank regulated and guaranteed up to the minimum legal amount. Point of the matter is waiting on my deposit to be returned, got 3 hi-end vehicles back in Bucharest a 2023 M3 Competition a X6M50d and a X4m40i all bought brand new through BMW FINANCIAL SERVICES. Due to the way I was treated by the branch in the UK I am terminating the agreement for the 3 vehicles and returning them at the end of this week absolutely disgusting I have approached both Audi and Mercedes NONE OF WHICH HAVE ANY ISSUE WITH MY BUSINESS USING REVOLUT BUSINESS FOR BANKING. BMW NEVER AGAIN!!!!

Trying to use Online service to settle my agreement and they push you to only use Trustly which has such bad online reviews I don't trust them.
I requested another method of payment and they said they didnt recgonise my email so wouldnt answer me. I requested a call back online. Nada. I want to pay off my agreement - but seems to be very difficult

Absolutely terrible company! Tried last year to repay early, they mucked up the agreement so much to the point, that we have never felt any benefit from it. Like everyone else, spend days trying to get through only to be passed from pillar to post ( never get the same person and no Managers around ). They then brought my agreement forward by 5 months!!! attempted to take £11k from my bank twice without contact, letter or permission! Ombudsman got involved, ordered them to pay compensation & credit balance on my account equating to approx £700, I returned the car, I got in touch with them, again, only had letters threatening me and nothing about returning the car! I have now received a bill for late retuning of that car, £700!!!! It is a joke!!! And no compensation, no apology, no customer service, no letter stating my credit history is unaffected! Nothing! They have no professionalism, no morals! Be warned!!

This company is an absolute joke. They provide a paid-for number 0370 5050 150 and then leave you sitting on hold for 30-50 minutes each time, If they answer, they then ring you off when placing the call on hold so that you have to start again. This is shameful! how is this even legal???

My agreement has only just started so I can only comment on the application and documentation process.
The application process was simple as all documents were provided via email to view and e-sign.
The only negative so far was that as the documents were viewed via email and on a relatively small screen it wasn't that easy to read the documents and the important elements.

I dealt with a lady called Tayyba. She was great, very helpful filled me in with every detail of my account etc. this lady needs a raise.

the reviews speak for themselves

avoid this company at all costs. people struggling with the cost of living these days we practically begged for help and support as we struggled to finish our last 3 payments of an agreement so it defaulted and now they requesting a court order to recover the car

45 clear on time payments

no negotiations

self centered condescending staff speak down to you

I wish I read the reviews before I even signed a contract with BMW.
Customer service is non existent, the webpage is not working properly and yet a computer generated standard response to my complaint would tell me to do everything online. That has been going on for months. You can try a million times to ask for an actual real life human to communicate with you, good luck, it does not happen. All my details, my phone number are on file, obviously. Their hotline leaves you on hold for half the day. It is absolutely appalling to think a big company like BMW has zero respect for their customers.
I have always had BMW cars overseas, for private use as well as for our company. I have never experienced any issues like I have here in the UK.

Absolutely shocking service from BMW Financial services. Logged complaint as a guarantor on a company agreement 4 weeks ago and have had nothing acknowledgement back. When I phone to speak to escalations team on hold for ages to be told they cannot speak to me as I’m not the company director. That’s the whole point of the complaint!!! Have had to raise through the Financial Ombudsman as cannot get any sense from anyone within the escalations team. Terrible service

Without a doubt the worst company I have ever had the misfortune to be involved with. They actively ignore any problem and we are over 12 months into compensation for a vehicle that we ended up being apart from for 8 months. Yes it really took 8 months for a repair and even after the Financial Ombudsman ruling against them, still nothing. I hope you read this and go to any other financial organisation.

I got finance with this company In February 2024, everything was smooth sailing, when I was considering selling my car and getting rid of finance no matter how many times I rang up they give me settlement figures, when I actually sold my car 2 weeks ago, I sent the money over rang them and they told me they had received it, rang again a few days ago to ask for a letter to confirm I received that yesterday, went on my credit file today and it’s being settled, never had a issue with this company, very friendly staff.
Thankyou!