Northridge Finance Reviews 

Avoid at all costs, I was sold a faulty car purchased through north ridge finance. They couldn’t be less interested. I am having to go through the financial ombudsman to reject! But they don’t even reply too them! You would get better service from a loan shark!!!!

Upon applying for finance with this company their service has been nothing short of excellent from start to finish. They have always been more than happy to help with any queries from updating details and sending out copies of my agreement. They always go above and beyond to help especially in customer service. I have not a single bad word to say about this company and would recommend to everyone

I have been having issues with one of Livingston dealer based in Deans ,Carmodean Centre who sold anunworthy car at premium price . I purchased a car on HP via northridgefinance.com , car is rusted like Titanic, having independent garage report, that car is rusty, that dealer loughed at loud,that car is in perfect condition. I went to finace copmany, and these "specialists" ,apparenlty received an answer from that dealer 3 weeks ago, that this is a cometic damage only. They have done nothing for 3 weeks, when pushed today, to confirm what they answered to that dealer, thay said that have been waiting for clients(mine) feedback. I have not heard better joke in my life. I call them every week, they push me away,sayign claim department will get back to, then thet I will get a letetr, then that investigation is still ongoing, that I will get a letter, another time that they will come back to me. By accident they admitted today, that they have been waiting for my answer which they never asked. When pushed again, they ask me to do "indpendent" garage inspection, as the report from the independent garage who serviced and inspected my car has been rejected by them (not in their favour). They asked me to do report through another "great - first in class" company from Bradford with 78% negative feedback, (private opinion) for a reason to not be able to resolve the issue. Girl from northridgefinance.com even refused to give their details saying to me to google it. She wants me to use them, but at the same time,she refuses to give their details to make an appointment. When trying to google that 3 letter company I had a thousand of results. What a waiste, absolutelly disgrace. If I would not push on them,they would close a case in 16 days saying,cosmetic damage, that didn not get a response form me. If this is only a cometics damage why dealer in Deans, Carmodean Centre did not resolve it , by for example applying Wax, (it is just a cosmetic damage) I do not have a choice, but to take further action against them and the Livingston dealer. An update 02 July 2024 - it took a while, but the vehicle is back to Northridge Finance (NF). I would recommend to anyone to seek help from finance ombudsman, they can resolve it(keep all communication with NF). In my case NF was not even responding to ombudsman, until they received formal notification. Do not wait to long, once you can go to ombudsman then go, because you might not get all the money you paid in, so the earlier is resolved the less money you will loose

Reading previous reviews I had very low expectations. I explained my financial difficulties and the recent mental health diagnosis I had causing me to be out of work. I was transferred to Henry and the 2 and a half hour phone call we had discussing all my personal issues and concerns was nothing short of incredible I give full credit to his ability to be professional as well as understanding we discussed the vehicle and my lack of funds within the last 10 minutes and he advised me as best as he could to help in the best possible way but only after making sure I was ok mentally and emotionally. I was very impressed and very appreciative of his effort.

Faith in humanity restored

It’s the usual procedure. You finance a used car, the dealers broker assigns a lender, and it’s not until a few days later you actually search online to see how reputable they are, only to read reviews (like the ones Northridge has) and panic ensues. I’m only writing this to hopefully reassure other people who might be in the same position I was - but I couldn’t fault the service I had from them. Was able to speak to someone within minutes each time I called (normally rang first thing) - they emailed a settlement quote straight away - and confirmed payment was made clearing my account within 24 hours. Based on my experience I would highly recommend.

No access to anybody but call receivers who are helpless to do anything but pass on complaints. A very frustrating experience with a very incompetent company.

Total shambles of a company with zero customer service avoid like the plague!!!

Purchased a car using this finance company. Within a 10 month period the car has had a failed turbo, numerous electrical issues which render the car unusable and several sensor issues, all on a car that is only 4 years old. While the turbo failed I was without the car for over a month and Northridge didn't care one bit. Called up to inform them and was told they couldn't help and it was my issue not theirs. I complained and they then suspended my warranty payment on the repair cost the day I was picking the car back up so was forced to fund from my own pocket. They did this without informing me or the garage/dealer. The dealer had to call up and ask what was going on, where they informed us I had a complaint so they will withhold payment until settled. I would then need to resubmit the claim from scratch, taking weeks. The only way to rectify they told me was to drop the complaint against them, forcing you to drop your complaint so you can afford a fix. I have, since this now raised a 2nd complaint with them and so far their only response to me is "sorry to hear you have cause to complain". 1 star is definitely to kind. If I could give a minus star review I would. Their customer service is terrible and they have no cares about said customers. I will be pursuing this with the Ombudsman. They are supposed to be a top tier lender but don't care one bit about you. Avoid at all costs!

My partner bought a car using this company, there are a few issue with the car, we raised a complaint , but no one cares to help you. Dispute the law

Giving them 1 star is more than they deserve. I raised a complaint with them in Feb 23 as car I bought had been mis-sold due to engine mapping and I hadn't been informed when purchasing the vehicle. The correspondence was via Royal Mail initially which delayed everything for no real reason other than to cause me an inconvenience. As I could not use the car whilst the "investigation" was taking place I asked if they could suspend my payments as I had no use of the car, to which they agreed. About a month later I got a letter to say I had fallen in default with my payments! I rang to explain there was a complaint/investigation ongoing but they told me this doesn't matter and I was now in default! I was never told about this when requesting a suspension of payments. The Financial Ombudsmen is now involved as despite it being 4 months since my initial complaint was sent, Northridge are now requesting that I drive the vehicle back to the garage where I bought it, despite them knowing that my insurance would be invalidated if I were to have an accident, all so that the garage can carry out their own investigation, also known as removing the mapping and running a diagnostic test to show that the car isn't mapped!!

Fortunately the Financial Ombudsmen agrees with me the car was mis-sold and so I hope I can now get this resolved and give the car back to the dealership.

Seriously, use any other finance company other than these fools.

Disgusting customer service no help whatsoever when asked if the monthly payments could be reduced because I said I could go up to £275 the charging me £375 was told to take car back if I couldn’t afford it absolutely furious at the total lack of support

This company sent me a letter about a loan application, except I have not applied to them for finance, I dont even know who they are!? I can only assume they are criminals and are trying to scam people. I would avoid them like the plague there is obviously something very wrong here. They are obviously not abiding by the law.

The only company that offered me a car finance when on a poor credit score. Picked up a phone straight away several times I called them and always very helpful. The only things they could do better is to confirm an offer in writing before sending the agreement and easing the security questions.

I am suppose to be going to collect my new car on monday the 06th March , train tickit booked etc , i passed for finance on Mon 27th Feb , on the 04th feb Saturday i get a call from the dealership stating that Northridge has not paid for teh car as yet, and that they cant get through to them , they have been trying all friday, so then i go on to look at there reviews, and gosh they dont even have one good review, not everyone can be wrong about this company, so i have sent them a recorded letter posted 06th March stating that within my 14 days cooling of period i wish to cancel the contract for hire purchase, and that this is also confirmation incase they try to get out of it, reg no YG72 WXY , avoid at all cost worst finance company i have ever come accross , Nathan Chadwick

I sold my car after a settlement figure on 15th Dec 2022. I have since had letters saying I am in errears. I contacted the garage who paid off northridge the same day. Affrer numerous phone calls they denied this. The bank statement from the garage has proven this. They now say they had payment on the 15th Dec but not enough was paid I have seen otherwise. The customer service is diabolical and now my credit score has been affected. Think before you get in any agreement with this company.

I bought a car from a dealership and used these guys. Had lots of issues with the dealership, but a faulty car ended up being the start of a nightmare, to cut a long story short. Ended up having to reject the car, which is a time consuming business going back and forth between parties, granted. At the start it was difficult to get anyone to tell me what was going on and a very stressful 3 months. I think the junior staff make the best of what they can do as they are probably very busy. Always friendly and happy to help though. After months of constant chasing and getting nowhere, I got through to one of the nicest ladies. Emma went above and beyond to do the right thing for the consumer based on facts, not conjecture. She was a serious credit to this organisation and turned this from a 1 star review last week to a 4 star now. Always contacted me when she said she would and no issues at all.

Only reason I gave 4 stars was because at the very beginning I was slightly ignored during investigation, but they pulled through at the end and that for me, is all that matters. Recommend.

First time contacting them just needed my agreement number as I misplaced it. I was given the agreement number but the person on the phone did not seem like he wanted to help, could not provide other information I wanted, seemed annoyed that I was asking questions and hang up at the end to avoid me. I was shocked and laughed he must hate his job bless him. I came here and read the reviews and I'm like whoa....this company is actually poop.

I took a heart attack in August needed a payment break for a couple of months until I got back to work not very helpful now my credit rating has been affected by them did not miss a payment in 3 years for my car finance worse company out there will never use them again

Awful
Company to deal with. When. Challenged my policy they were argumentative. Unprofessional and were completely uncooperative.
I will never use this company ever. Id rather take public transport.

Agree with other reviewrs. The private dealers broker company got me finance with this company even though my credit history is excellent, maybe for a heafty commission. I didnt read their reviews at the time. They told me i can make repayments but the interest charged on the full amount will still be charged as normal and they will not reduce it on pro rata basis. Lu kily i was still in 14 days period and took a personal loan out and paid them off. Stay well clear..