BMW Financial Services UK Reviews 

Absolute gutter company the lowest of the low i was treated like garbage by this company and they turned up to court with the big boss man ceo and tried to put orders on me to silence me from tellin you what they are like they sold me a car on a false mot and refused to let me reject it when it was taken off the road as a mot failure the cars are under safety recalls for bursting into flames which they no about but are not doin nothing about but still sell them and claim no responsibillity for but when you the buyer have an issue they will collude with the dealer and blame you and damge your credit trating and make you liable whilst blming you if you do anything about it they run for the solicitors and then try silence you and claim limitations and all sorts with thier solicitors anything not to give u back what they owe you the ceo even claims he dont work there in letters but turns up to my hearing holding an alphabet bag big giveaway of where u work mate and the company and the estate your from shows the truthfulness of you and your solicitors but what I'm saying is baseless and no merit but I'm sure your customers who read this will disagree and see you from what you are a spineless bald headed moron that tells lies for a company who would replace you tomorrow if you dropped dead in a car that caught fire like the one you sold me. Sad but probably true eh think about that when u treat us like garbage without us you don't sell cars you also don't want people knowing that I was called an obscene name on my logbook for complaining which the DVLA categorically stated it came from the dealership you colluded with. Its time you owned up to your responsibility and paid me what you owed in the first place we would be here now. you hope the matter gets resolved for me you have offered a sum by your previous solicitor only to change to the solicitor you are with now because I refused to sign a nda and not play ball my mum had a accident in Sytner's car park to which they claimed they had no working cctv all evidence has been provided to you and your solicitor but they say my claims are baseless she had breast cancer at the time when your dealer breached the warranty and left me stranded at the dealer over 20 odd miles from home and the got a taxi or BMW product for other customers as part of the warranty from enterprise but not me my mum had to fetch me and the taxi drove in to her and claimed for everything saying she reversed into him when she was stationary you refused to help your customer and this led to a stroke the car was replaced instead of rejected and i was put in a worse position as the car was on a false mot and subsequently caught fire you would not let me reject it and damaged my credit rating you have never reimbursed me what you owe me but your solicitor says limitations act this does not stand when your dealer new i was disabled and had mental health especially when the dealer supplied me a Motability car as u both have said i was a previous returning customer so they would of known my history bit hard to argue that would u like me to get Motability to come to court with me against your CEO next time I'm putting this here as all your customers can see how you treat us customers and my family you have taken a car that my brother left me when he passed. if you think this is acceptable then your just as bad as the dealership. your solicitor tried to put an order on me to silence me in court to try and stop me telling people about what you are like but that has failed so now i am going to make sure your customers know what your company is like whether that's alpehara or bmwfs as Ur all one company something your solicitor denied and said you're a non-legal entity claimed it was wrongful sue. limitations act does not stand for someone with a disability as long as they have a disability, plus section 32 fraud concealment adn mistake you concealed the false mot certificate and did not hand it to the ombudsman did you as you did not want me to reject it but wanted to say the ombudsmen had exonerated you from all wrong doing so that is a argument that is compelling enough to set limitations aside under section 32 of limitations act therefore limitations act does not apply here so it shows what sort if company you actually are and will do anything to run the clock down to try anything to get out of paying what you owe.

Awful- a regular payment went out two day before I decided to pay the whole settlement so obviously was due that payment back which they did tell us during a different call. However they are asking in order to do this we need to send a photo of the front and back of our bank card which is clearly a breach of confidentiality and security and not good practice- I’ve asked why they can’t just send it back to the account they have been taking the money from but on two occasions now I am being told this it the only way - please advise and please assure that your company are not acting in this way

Absolute shambles I base my experience on the following. My BMW pcp came to an end in December 25, British Car Auction (they are even worse) collected the vehicle 3 hours late. After a detailed inspection and handing over the V5 a few days later I was contacted by BMW finance stating that BCA had not received the V5 and there would be £100 charge . I immediately challenged this and stated the tear off slip change of ownership had been given to me and subsequently DVLA informed on line who confirmed in writing this had been received. I sent numerous emails to BMW finance with the documentary proof, I received threatening letters from BMW finance stating that if the £100 was not paid further action would be taken and effectively affected my credit ratings. The letters became more intense with interest added. It became so stressful that reluctantly I paid the £100. I repeatedly asked for a copy of the Hand over document from BCA, this was never forthcoming ( I wonder why)the treatment was absolutely appalling and I have escalated the matter outside BMW finance. Buyers avoid BMW finance if possibly they are an absolute nightmare to deal with the same for British Car Auctions Thanks for coming back the agreement holder my husband has already been in touch with the escalation team despite requesting proof from BCA this has not been forthcoming not happy with response from escalation team so will pursue further. At this stage despite being a BMW customer for over 20 years now is the time to seek an alternative provider

Further to my review about them last month, and their response that they would be in touch shortly, 1 month later, they have still not given me a detailed apology about the aforementioned problem I had with them. They don't even have the backbone to admit their mistake in writing, and offer an apology for the distress they caused me.
Will be back in touch with the FCA again to see if they can force them to come clean and own up to their mistake.

Well where do I start. This is without doubt the lowest of the low companies on planet earth.
And if you don’t believe me then just read some of there reviews on trustpiot.
Try not to get cancer because they don’t like it they treat you with contempt and they hound you for money. They change their staff on a regular basis and you never get the same person twice which is totally frustrating because you have to go over the whole story time and time again.
they made errors in money that’s owed and I’ve even admitted it by trying to give me compensation for mistakes that they have made which I have not accepted.
There’s a total lack of compassion towards other human beings that are going through near death experiences like I have.
I can just imagine their job interview they probably say can you treat a person like dirt! if you say yes, you get the job.
I even got a phone call from them whilst I was having my chemotherapy treatment to ask me why I haven’t paid my monthly payment. Is there a problem? well yes I have pancreatic cancer and I’ve lost my job. I’ve lost my car.
And on universal credits
This experience is ruining my mental health and my recovery. They tell me to have a positive mind to try and beat cancer but how can I when I have someone like BMW finance that won’t let off no matter what.
PCP finance and cancer do not go together be aware of this and be aware that BMW will hunt you down no matter what your circumstances.
My hideous nightmare continues.

purchased my vehicle through Ford, however I later discovered the finance was actually provided by BMW. I took out a five-year finance agreement with the intention of paying the car outright.
Unfortunately, I am currently going through a divorce, and during this time I missed two payments. As soon as I realised there was an issue, I contacted the company to explain my financial difficulties and made it very clear that as soon as I had the funds, I intended to pay the car off in full.
Despite this, the company claims they sent letters regarding the situation — letters which I did not receive. Instead of engaging with me or offering support, I have now been left with a CCJ against my name and given the option of handing the car back, after having paid for it for over three years. What makes this worse is that I continued making payments even after the missed payments, which were genuinely a mistake during an extremely stressful time.
The level of stress and disappointment this has caused is unbelievable. I did everything I could to explain my situation and work with them, yet it feels like the rug has been pulled from under me. Issuing a CCJ in these circumstances is completely unacceptable, and in my opinion this company has not followed FCA guidelines, particularly around treating customers in financial difficulty fairly.
I will be escalating this matter to the Financial Ombudsman Service. I would strongly advise others to think very carefully before entering into finance with this company.
Disgraceful an utterly pathetic.

My experience with BMW Financial Services (GB) Limited has been extremely disappointing.

Despite being notified early that a vehicle had been mis-sold and that the agreement should not continue, BMW Financial Services continued to pursue enforcement without carrying out a proper reassessment of liability. Important statutory issues, including early termination, rebate of unearned credit charges, and mitigation of loss, were raised repeatedly but not meaningfully addressed.

The vehicle was later sold at auction, yet enforcement was still pursued on a figure that did not appear to reflect the legal position or the sale proceeds. This led to unnecessary court proceedings, prolonged stress, and significant time spent trying to correct what should have been a straightforward accounting issue.

Based on my experience, I would advise anyone dealing with BMW Financial Services to keep detailed records and seek independent advice early, as disputes were not handled transparently or proportionatelyFor clarity, the agreement can be identified by the following details, which are already known to your organisation:
Applicant: Mr Selam
Postcode: SE24 0EH
Agreement / Case Reference: [INSERT REFERENCE]
The substance of my review concerns the failure to lawfully reassess liability following early termination and subsequent disposal of the vehicle, including the absence of a transparent statutory rebate calculation. These issues were raised repeatedly during correspondence and proceedings but were not addressed.
I remain willing to engage constructively, but any resolution must be based on a lawful recalculation rather than continued reliance on an unadjusted contractual balance.

5 Stars - Outstanding service from Alphera Financial Services
I recently received excellent service and support from Shawn and Tayyba at BMW Alphera Financial Services when arranging finance for my BMW M4.

From the outset, my enquiry was handled efficiently, professionally, and with genuine care. They took the time to understand my requirements and put together a finance package that worked perfectly for me, making the whole process smooth and stress-free.
In a world where truly great service is becoming rare, it’s important to recognise it when it’s delivered — and this was first-class from start to finish. Well Done Shawn, Well Done Tayyba

Five stars without hesitation. I’ll definitely be calling them again for my next car.

Amanda G was brilliant and made the process of refinancing my car super simple. I rang for a quote, then rang back to take deal out and got her again! She went through questions quickly but clearly, was knowledgeable when I had questions and had my finance deal through to sign within 15 minutes. It was such a simple process and just what I needed in the middle of a busy day.

I am writing to formally complain about a late payment marker that BMW Finance has placed on my credit file relating to an undisclosed £14.40 administration fee.

While I fully acknowledge the speeding offence and paid the fine in full, as well as completing a speed awareness course, I was never informed that an additional administration fee was payable to BMW Finance. I received no correspondence whatsoever, no email, letter, telephone call, or reminder - either before or after the alleged due date.

The first notification I received was months later, via Experian, advising that a late payment had been recorded on my credit file.

This is particularly concerning given:

• I have leased a vehicle through BMW Finance for over two years
• I have never missed a payment, either with BMW Finance or across my entire credit history
• The amount involved was £14.40
• No opportunity was provided to rectify the issue before adverse credit reporting

As someone working within financial services, I am aware of the FCA’s expectations regarding:

• Fair treatment of customers
• Proportionality in credit reporting
• Reasonable steps to notify customers before adverse action

In my view, recording a late payment under these circumstances is disproportionate, unfair, and procedurally flawed.

I am requesting:

1. Immediate removal of the late payment marker from all credit reference agencies
2. Confirmation of how and when BMW Finance believes notification was issued
3. Assurance that internal processes will be reviewed to prevent similar issues

Should this matter not be resolved satisfactorily, I will have no hesitation in escalating the complaint to the Financial Ombudsman Service, and if necessary raising concerns with the FCA regarding process failures.

I trust BMW Finance will resolve this promptly and fairly.

I would have given 0 if there was chance.
It is a symbol of pure greed at BMW. They will lie outright so BEWARE.
No wonder there were scams like DCA! In my case BMW admitted they had paid commision. Then I purchased another vehicle (before DCA scandal broke). Top of the range X7. Had huge issues on a brand new car like windows unlocking opening randomly when parked etc. BMW Financial, BMW and Marshalls dealer were non-responsive. They were pretty much colluding amongst themselves. MY emails were ignored. The kept passing the buck to each other. No customer care, no empathy and total sharks. Avoid purchasing via BMW FInancials like a plague.

Now back to the DCA claim, following the above, BMW Financial suddenly writes me a letter claimicatio ing I was on Perosnal Hire COntract" and not "personal Purchase contract" so I would not be compensated as advised by the FCA. A Total fabrication and a lie! I even have emails from their dodgy dealer telling me how my car would have a "residual" value at the ebnd of the term and I could use that to purchae another BMW etc etc. SOmething which is not even available in "perosnal contract hire".

So this BMW mafia is lying outright and will go to any length to accept liability,. Don't be fooled by their false warranties and sense of security! Avoid financing your car through them.

I was satisfied with the service for the number of years I was with BMW and have placed a new car with them. However, paying a settlement on my car using their reference number on Friday the 9th I was informed today that they hadn't received payment when I checked with them, and advised to check with my bank.

I phoned my bank who confirmed the payment and I called back and sis the security checks again.

This time (within 30 mins of fist call), they informed me they had received and that we had given a reference number with a missing digit.

This was not the case as we took a screenshot before payment.

BMW then stated that the payment would take another two days to come off my account. Not sure if they do this as a standard to accumulate revenue through interest, as this also happened when we paid for my son's car???

Really annoying as it resulted in a number of phone calls, repeated security questions and was an unnecessary waste of time to reaolve!!!!!

I spoke with a girl called Amanda, who was great to deal with. She was very helpful, friendly, and took time to explain everything clearly. Amanda made the whole experience smooth and stress free. I really appreciated her support. Excellent customer service.

I would like to thank Amanda Graham for her help today a very friendly professional lady .A credit to you

Sent an email to BMW CEO Chris Brownridge in August 2025 due to disgusting service following the death of a family member. Was advised Chris left the business and my complaint would be forwarded to BMW Financial Services. Following chase emails by myself and further chases from the CEO Team, I am yet to receive an acknowledgement or response from BMW. Seems like once a family member passes away, so does the need for BMW to respond at all in relation to their unethical business practices. Bury your head in the sand and ignore complaints!! Well done BMW!

I have used BMW finance for a number of years, I must be the odd one out, never had a problem and always very helpful. Especially on my last contact today, Amanda Graham was the representative, very patient, offered guidance and went through my varying option. For my particular case, I found her very helpful and nothing was too much trouble, please ensure Amanda receives this feedback.

Amanda was polite, efficient and helpful with my queries in regards to excess mileage charges, and voluntary termination!

Absolutely disgusting finance company!

I’ve got Car Finance with
BMW, the car has been written off, I am awaiting the Insurance company to pay out, it has taken a little while and BMW are now trying to default me, I’ve been paying the monthly payment still and now as trying to default me they are trying to charge me the finance amount plus the full interest! Had a letter thought the post! If they charge the full amount I will be taking this to the financial ombudsman for them to sort!

Would never take out car finance with them again!

Great efficient service, Shawn delt with my query quickly & sent through the docs in good time as he promised

Time to renew my finance

I have dealt with Lucy for a number of years

She is always helpful and always makes the process easy and painless

Thanks Lucy