BMW Financial Services UK Reviews 

If could give a 0 I would. Absolutely hurrendous experience with BMW FS. After having second thoughts during the 14 day cooling off period of a PCP deal I called them up to settle the finance and withdraw from the deal. This alone took around 2 hours on the phone. Mostly on hold. I transfered the settlement amount to them via bank transfer. A week and a half on, despite several phone calls and another 1.5hours on the phone, and I still haven't received any confirmation that my payment has been recieved nevermind the arrangement has been cancelled. Today I lost my patience and insisted on it being dealt with. So, after a total of nearly 5 hours on the phone I have now, after practically begging for it, got and email confirmation that they no longer have a financial interest in the car. For the entire process I received 0 emails from them and 0 phone calls. Every person I spoke to had to seek authorisation/clarification from a 'manager'. It seems the people who answer the phones might as well not be there as they have absolutely zero authority. I am still not feeling confident that it is all settled. It has left me with a very bitter taste in my mouth and I will be thinking twice before buying another bmw and I will certainly never think about BMW Financial Services ever again. Be warned, not only are they incredibly expensive, their customer service is absolutely shocking! Buyer beware.

Shockingly, BMW Finance have now happily responded to my review below, and have contacted my Credit Reference Agency three times(!!) but aside from a holding email to me, I have received NOTHING!

Not only have they refused to acknowledge anything I put in my email, but they have not provided me with any way to make any payment to sort out the credit issue, AND they have actively ignored my request for reasonable adjustments due to having a legally recognised disability.

I will be contacting the Financial Ombudsman today for formal investigation because this treatment is just disgusting, discriminatory, and intently aimed at causing me stress and inability to resolve any issues.

take on average 30 mins for a call to be answered, they are terrible and poorly informed, a real pain to deal with, considering they are suppose to be up market they have zero after sales care

Really poor company that is so unprofessional and really tars the excellent brand of BMW!
If I was on the board in Germany of BMW I would be really concerned!
20 minutes on hold trying to get the V5 number so I can assign my wife’s private number plate which when they finally answer they say the car has not been “paid out” from the Retailer so I go back to retailer and they said it has been paid out! So I am currently unable to insure the car and if I insure on existing plate my insurance company charge me for the privilege. So much valuable time wasted on what should be a nice day receiving a new car!

I can see from other peoples reviews the terrible experiences they are having with the company, but I want to summarise and simply state BMWFS is unusable company to deal with. I would not buy a BMW in the future just because of this section of the company.
I received a text saying they had been trying to speak with me (no they hadn't) and as i have not replied will be deducting a five figure sum from my account in the next 5 days...
I spent a whole week trying to reach them. Everyday you go on hold, one day up to 52 mins. The call quality is awful, sometimes the call just terminates and sometimes it rings as you are half-way through speaking with someone and goes to another dept's answerphone "sorry we cannot take a message, good bye"
I received an email asking me for my rating on the service, stated 0 stars, received a reply stating please call us ? why aren't they reaching out to speak with a disgruntled client. So rang them, listened to my query and stating the fact I had spent over 3.5 hours holding on in a week. Only to be told by the complaints dept. you need to speak to the dept. giving me the same number that had kept me holding for 3.5 hours.
I have given the car back and have tried to escalate the fact I am unhappy with the final costs, but simply talk over me whilst im speaking, without taking any of my issues in to consideration.

I have had an absolute horrific experience dealing with bmw finance!! I sold my car to we buy any car and they requested bmw email them the final settlement figure. Simple enough. It was a bloody nightmare getting through to anyone at all and was passed from department to department to no avail with 3 hours on the phone. I was in tears at the end of the call still no resolve. Despite authorisation from myself they refused to email the dealer the required information with the subsequence that car sale fell through. Appalling service for bmw all working from home and no one cares to resolve the simplest of things. Spend hours on phone feeling frustrated and stressed and get no where . I would never use bmw again on account of the sheer trauma I have been through dealing with their finance team time and time again. When asked to speak to manager met with blank responses. Grossly Mismanaged someone needs to look into all the poor reviews and service provided. Cannot even settle simple finance matters and unhelpful

I am sick to death of dealing with big players who couldn't care less. Wanted to pay my BMW finance off, went online, went through all the steps and got to the final step after linking with bank account etc for it to only fail, no explanation why as the bank was happy. However the money has left my account.
Can you speak to a human? Not a chance. Do I know if my finance is paid off? Not according to the online information. I will never deal with BMW again after this.

Finally spoke with a human who was helpful and said I have to wait for 48/72 hours for payment to go through as despite me being shown the payment had failed the money had actually gone through (the stress of seeing money disappear and then being told the transaction failed)

Also have now had a text saying payment received but account still showing as active.

Why push people to use online systems that clearly aren't up to standard is beyond me.

Update: Well the money did go through and my account is settled, or so I believe, because I haven't received a single indication my account is settled or closed other than when I login online there is nothing now showing. Not a single email or letter.

This company don’t answer the phone, I have tried on 4 separate occasions over a period of 10 days to ring and speak to customer service only to be be kept on hold for up to 30 minutes before being cut off. Whoever is in charge needs to get a grip.

BWM Financial Services have been the worst company I have ever dealt with in 40 years of being on this planet. The problem started when I wanted to give the car back in line with the credit consumer act. They made it as hard as possible to end the agreement and return their car, in the end I had to dump their vehicle at a BMW dealership as I was getting nowhere with them. After this the asked for a mileage payment which I duly paid as it was part of the agreement, then they claimed damages to the car, this took 3 years to rectify and in the meantime BMW registered defaults on my credit file. Eventually they removed all defaults and offered a pitiful £100, I accepted to bring the matter to an end. But that wasn't the end! They are now righting to me every 3 months stating I owe them £100 for the last 3 years! Unbelievable! Following my complaints they say I have no valid complaint and I don't owe anything and deny sending any letters demanding £100! Absolutely insanity

I have had cars through BMW finance for some years now, been loyal though BMW haven’t been with me, payments have never been misses bearing in mind I have 2 cars with them, I have never had a financial holiday ever even all the way through COVID, and after recently applying for finance again I was asked for bank statements for 3months, contract of employment showing all me earnings and numeration, never heard anything like it, no way on earth I am going to give this sort of information and access to my banking, and is against GDPR I think, absolutely disgusting way I have been treated, only need to look at my history with them and see it is pristine, I will never use BMW finance again and neither the dealership Sytner Sheffield who are so underhanded and greedy, if this is the way a buisiness treats there loyal customers I don’t want to know