Santander Consumer UK plc Reviews 

Beware of the terms and conditions if you lease/hire a car from these charlatans, they have no intention of abiding by them. I have a car on a 2 year hire, they received a parking charge for it. Without any consultation or giving me an opportunity to appeal, they paid it plus a £30 admin fee. I contacted the Parking Company, they said charge paid no appeal possible. Santander now invoiced me £90

I’ve never dealt with a more incompetent, useless company who go out their way to make things difficult for you and give you misinformation.

The website is set up in such a way that it isn’t actually possible to log in and see your agreement. Tried calling but you’re on hold forever, even at off peak times. Tried the chat function, you get through the automated chat bot and it just says transferring you to a representative for ages and you never connect. It’s an awful organisation

If you can, avoid using this truly awful excuse for a bank. All the 1 star ratings suggest everyone is feeling the same. SORT IT OUT SANTANDER!!! Never a quick call, hours upon hours on the phone to amend a simple DD or make a payment then to be met by clueless and useless customer service agents. The sooner my agreement ends the better I will never use, recommend or refer anyone to Santander Consumer. Currently spent 3.5 hours this week trying to change my DD date as this cannot be done online!!!!

I paid my settlement over the phone and they said I will get a refund of 3255 I received it then only after 3 weeks I received a letter saying I’m in shortfall settlement they don’t answer the phone lines or emails so now I don’t know what to do!

READ THIS

DONT respond saying give us your details and well look into it!!! I have been on hold for 50 minutes and counting with your "we are sorry for your wait BS" EMPLOY more people youre making billions a year as an organisation. Thank god Im settling my account becuase YOU ARE PAINFUL AND PATHETIC - Tried online put my birthdate in and you say its not recognised!!! AWFUL AWFUL AWFUL COMPANY DO NOT USE

We sent a cheque in to pay off a substantial part of our loan. They phoned to confirm receipt of the cheque and confirmed account details and whether I’d like to reduce the term or the monthly payments.

9 days after the cheque cleared and they took the money my outstanding balance was showing the same as it did previously. I contacted them and they said they hadn’t received any money and I needed to send proof.

Total incompetence.

Customer service is horrific, website doesn’t work to make payments, been on hold for 1 hour and 10 minutes. Trying to close down my finance and pay it and full just not getting anywhere

Poor customer service with the lack.of response to emails and official communications. Leave well alone

The app is not working it's taking you for a ride
Waiting time over the phone is horrific
They don't respect you as a customer
Disgusting

Absolute horror-show!
Quite simply the worst it is possible to be. Literally DOZENS of phone calls to sort out finance on a broken car being returned to dealership. Could never get through, almost never called back, took months to sort out. Lackadaisical staff, working from home, who didn't know and didn't care. Just a nightmare from start to finish.

We have car finance with them and let them know when our bank details changed. 4 months on and proof on my e-banking that we are up to date we are receiving threatening letters daily. They haven’t responded to our chats, emails, calls and letter and are now threatening to take my car. We have now involved the Financial Ombudsman and are speaking to a solicitor. DO NOT USE THESE RIP OFF USELESS INSENSITIVE!!!!!!

Considering your trust pilot score is 1.2 I agree with all everyone has put here.
Completely incompetent company!
No contact whatsoever from them and you are the one always chasing for information, happy to ask best way to contact you when you ring but don’t follow through and you’re lucky to get any information from them.
Taken this car and refuse to help during hard times and then STOLE the entirety of everything that was inside reducing value of the car as no logbook, missing dash cam £200+ and GDPR info.
Happy to charge you extra for the pleasure of being with them.
Stay well clear of this company!!

I Don’t think I’ve ever dealt with a more incompetent company in my life. They are supposed to be updating me on the progress of the rejection of my car, but they do not answer the phone nor do they call back. They do not give the contact details to escalate to management- I have no idea how a company the size of Santander can be proud of this level of service. If given the option, avoid Santander consumer finance at all costs. I am getting the financial ombudsman involved as it is borderline scam territory to operate a business like this

Utter shambles of a website. Want to see your car finance agreement dashboard? You know the one - like EVERY OTHER WEBSITE ON THE ENTIRE INTERNET HAS? Where you can see payment schedule, direct debit details, personal details, car details, agreement number, bank details etc. etc. ?? Unlucky friends, there isn't one. In fact you can't do ANYTHING on the website whatsoever. It is beyond archaic and makes me so angry they're allowed to get away with it - because (and trust me on this) phoning them to do or request anything is utter, utter torture. You're probably reading this because you're already with them; you have my sympathies.

1hour 15 mins hanging on the telephone waiting to speak to an advisor and I still didn’t speak to someone. Ridiculous!!

De loin la pire banque jamais vue.
Ils sont incompétents ils vous laisse en attente ils ne vous répondent jamais et vous donne des montants sortis de nulle et quand vous demandez le détails on vous envoie balader comme de la M. On vous traite comme des criminels si vous avez du retard.
J'ai jamais vu ça vraiment fuyez cette banque de nuls. Je ne sais même pas comment c'est possible qu'ils peuvent encore exercer sans se faire fermer. Vraiment ne faites pas confiance à eux c'est une catastrophe gigantesque

My inheritance was transferred by Lloyds to Santander the wrong account a closed business account so the money should’ve bounced straight but didn’t I’ve had most of my money transferred back but am missing nearly £800 I would really like this sorted asap.

Dreadful. I cannot log in to my account to see my remaining balance, this is despite the fact I'm inputting details correctly. Something extremely wrong here. Even logged a complaint, which so far is just not acknowledged at all. Maybe I need to just stop paying these people in order to get them to act? This is absolutely dreadful. Ringing them is completely futile too, no-one actually answers the phone! If anyone does read this, and understand my concern, I'd suggest you think first before responding and don't dare threaten me with 'not paying can affect my credit rating' and other rubbish. I think you need to act. So do something positive and that won't be to get me to call you ... Because it's impossible. Take my word for that. You don't respond to email either.