ALPHERA Financial Services UK Arvostelua 

There are not many things I regret in life but agreeing to use alphera as my finance company is very much so up there.
I have had issues with a vehicle from 5 weeks post purchase which remained on going for 10/11 weeks until I finally requested rejection. Not only is the dealer ignoring me, the fact that I felt I would be supported by my PCP agreement I have truly never dealt with such poor customer service post purchase. It is deeply unsettling, having to now outlay a loan for a new vehicle, such poor communication from Alphera and my case handler, ignoring emails, images, timeliness, receipts, reports. I feel so truly let down at this stage, all this on going through ivf. Despite making them aware this is impacting work and family responsibilities, they are incompetent and I feel let down by many in the car industry at present.
I truly hope I do not have to go down the obundosment process and praying you can support but looking at these reviews I feel less and less confident.

AN 4333865

I have a perfect credit score , yet when my broker tried to get a policy with Alphera , it was turned down . They have provided no reasons for turning it down and if course it may have an adverse effect on my future credit needs. . . Do not use . . Ever.

Bullying customers to pay invalid charges.

Following a long wait, my call was finally answered and the call handler was incredibly rude and unhelpful. I wasn't even able to finish answering my question before she ended the call. Disgusting customer service.

Had a great experience arranging my car finance. Quick and easy to sort and sign and great service from Elsie who I dealt with.

I would not recommend this company. The end of contract experience with them was very poor and confusing. AVOID.

Craig Jenkins and his team always make the process so easy for me a as a consumer. They also offer an incredible package when compared to other lenders. Big thanks also to Tayyba for getting my documents sorted at such short notice.

Extremely disappointed with Alphera Finance and how they treat customers who fall on hard times.
I accidentally missed two payments and immediately contacted them to explain my situation. I made it clear that I was going through a divorce, suffering financial difficulty, and that mediation was ongoing. I also offered a reasonable solution: once I had the funds, I would buy the car outright.
After explaining all of this, I heard nothing at all from Alphera — no discussion, no support, no attempt to work with me — until I suddenly received an email from their litigation team and a form through the post. No warning, no proper communication, just straight to legal action.
I have now contacted the Financial Ombudsman regarding this, as Alphera have failed to respond to me entirely — not even providing my payment history or records of any conversations.
I am extremely disappointed that Alphera have failed to follow FCA guidelines around treating customers fairly and dealing with vulnerable customers in financial difficulty. This situation could have been handled with basic communication and empathy.
What makes this worse is that I have already paid more than half the value of the car, and I only have one year left on the agreement. Yet instead of working with me after a genuine mistake, their response has been to try and take the vehicle away.
If you are considering buying a vehicle with finance, I strongly advise against using this company. If you make a mistake or experience unexpected life events, Alphera’s response is to penalise you rather than help.

It’s funny that I have a reply now but you still can’t find my account? I have sent about 6 emails regarding this issue to your complaints and yet again I don’t exist? I have a account with you and will try again but you don’t fill me with any confidence 16/2/2026
Update 26/06/2026
It appears that Alphera Finance continues to ignore my emails and complaints, or even acknowledge that my account exists.
As can be seen from their responses, they repeatedly state that they cannot locate my account. This is particularly surprising given that I have now paid the finance agreement in full.
I have requested that they:
Correct any inaccurate information being reported on my credit file.
Provide written confirmation that the finance agreement has been settled in full.
Respond to my ongoing complaint and correspondence.
Despite these reasonable requests, I have yet to receive a response.
The lack of communication has been a recurring issue throughout this matter and has only added to the frustration and stress caused by the situation.
As a result, I have submitted complaints to the Financial Ombudsman Service and the relevant data protection authorities regarding the handling of my account and personal data.
Given my experience, I believe Alphera Finance's handling of customers in financial difficulty, complaints, account records, and communication practices warrants serious investigation by the relevant regulatory authorities. The repeated failure to respond to correspondence, provide requested information, and address legitimate concerns raises significant questions about their processes and their commitment to treating customers fairly.
Based on my experience so far, I have little confidence that Alphera Finance will properly address these concerns. However, I hope the ongoing investigations establish exactly what has occurred and ensure that other customers do not experience the same issues.

My PCP deal was coming to an end I rang to see if I could refinance . My adviser was very informative and explained all my options . the whole process was so easy . Thank you

Illegally changed a direct debit date and tried to take money without any contact. Avoid at all costs.

Our agreement was paid off in FULL in November 2025 after several letters stating we were in arrears. After getting fed up with these constant letters we decided to settle in FULL. Here we are in February 2026 and the threatening letters are still arriving. We DO NOT owe you a penny. Update your system to reflect what we have paid before we take legal action against you.

I have been fine with Alphera finance until my pcp came to the end. I got settlement figure and decided to keep my car and got finance with another company. This was all settled by new year. Today I had call telling me I still owe 1 month payment. How can this be when they gave me settlement figure and stipulated from and to date. I told the so called collection agent this can't be so. I was told if I don't pay they would put default on my credit record. Surely this can't be legal . Please if anyone has had this please notify. My contract was 4 yrs and I never missed a payment

I cancelled finance for a motor vehicle within the 14 day cooling off period, under the regulations i am permitted to do so without penalty or fees.
I had not received delivery of the vehicle or any funds.
Alphera finance have made payment to the car dealership under their joint contract but hold me responsible for seeking return of those funds under threat of further arrears and default on the agreement.
Their escalations team have advised that their agreement is with me and not the dealership. The agreement that i terminated within the 14 day period.
I have no leverage over a car sales business i do not have a contract with yet they request me to follow up with their selected dealership.
The vehicle in question has been subsequently road taxed and likely in use under another finance agreement or sale. Has all the hallmarks of a scam.
My escalation sits with the Financial Ombudsman Service.
As the frequent responses on here are that records are unable to be traced, my reference and last four digits: 1ARA/###1550

The worst company to do business with! Trying to unwind a credit agreement on PCP for a faulty car! They clearly side with the garage! Customer service is shocking and good luck speaking to an advisor! Ombudsman might become your best friend darren McGovern is the name he is my partner!

He has rang that number on numerous occasions on the last occasion to escerlate he was promised a phone call from an adviser called luke within 48 hours.. guess what 8 days later nothing! This is the named worker and well ignores your emails! Then they don’t allow a garage to feedback there inspection! On one of the few emails I recessed they dismiss photographic evidence, videos, statements, ecu logs and say that does not prove a fault! Even the other day the car shut down when the car turned itself of due to the battery running out of power….. i will continue to update this review.

Elsie Richardson was really helpful and knowledgeable.
I can't fault the process it was really easy and I was made to feel important and valued.

Alphera should be reported to every newspaper and broadcaster for their EXTREMELY POOR service and competence. I have a company who has financed 7 vehicles through them. Despite the oldest vehicle being sold 5 years ago and the youngest 2 years ago, they continue to invoice me. I have sent hundreds of emails, made hundreds of calls, yet they continue to charge me. They are now threatening that they are coming to repossess the vehicles. Vehicles sold years ago. All emails are replied to saying they "tried to call you but were unsuccessful" however this is not true. They do not call you, they just fob you off by email. Make you call them which takes at least 30 minutes holding each time, say it is sorted and then another invoice or threat arrives. STAY AWAY FROM THIS FINANCE HOUSE. THEY ARE SHOCKING BEYOND WORDS. My next step is to report them to FCA and financial ombudsman. They should have a full dfinancial audit by HMRC. Something I should've done a long time ago.

Very unprofessional in the service I received case handler would never respond calls or emails told different information from different case workers.

I've had a berievment in the family and need to relocate so will not have an income for 2-3 months and all these clowns have to say is give us the car back of do a nominal payment for 2 months which will affect your credit score.Absolutely disgusting way to treat a loyal customer who hasn't missed one payment in 3yrs.Do yourselves a favour Stay clear of these heartless money grabbing A-holes.

Dealt with Lucy Bonte, she couldn't have been more helpful, friendly and understanding. Would thoroughly recommend 👌

Poor handling of disputed finance agreement

BMW Financial Services pursued enforcement of a disputed hire-purchase agreement without properly reassessing liability, even after early termination issues and the later sale of the vehicle. Statutory consumer credit protections were repeatedly raised but ignored, and correspondence relied heavily on contractual wording rather than fairness or accuracy.

This resulted in unnecessary court action, prolonged stress, and a lack of transparency around how the alleged balance was calculated. I would strongly recommend caution and independent advice when dealing with disputes with this companyFor 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.