Northridge Finance Opiniones 

Communication:
We had signed our first contract with Northbridge in August 2025. It took them approx. 2 months to realise that we had breached the contract agreements. Firstly, the contract stipulates that a single address is required. We have provided 2 separate addresses: 1 is where I also leave the vehicle which is registered with the DVLA and the other is where the final contract agreement is with Northbridge. We were not aware of this issue but have been advised by the dealer that it would not have been a problem.
Following a data protection issue with Northbridge in October 2025, I was contacted by a third party in November and December claiming they had been instructed to collect the vehicle at a specified address. I was unable to contact the third party and was subsequently contacted by Northbridge on January 6th or 9th. I spoke to Michael and expressed my frustration and lack of communication. Michael was supportive and we spoke multiple times on the same day. He provided the contract agreement and informed us that we had missed a payment. We had previously confirmed payment and pointed out the contract breach regarding the separation addresses. Michael also offered alternative options to pass on to his manager, Shauna (Customer Loan Solutions). We believed this would resolve the issue. After receiving an email from Michael, we directly contacted Shauna and provided the change of insurance policy to the main address along with the missing payments. We had hoped this would resolve the matter. Due to our recent busy schedule, we had not noticed that Northbridge had not received any direct payments until we reviewed our accounts. We contacted them on February 13th and spoke to Gary. While he was performing his role, he could have provided alternative options as the lack of communication and unresolved issues were evident. His response was that the contract had been terminated and the payment would not be accepted regardless of the customer’s situation.

This process has been frustrating. We made an error by not returning the call within the agreed 30-minute timeframe, which we had made on January 9th. We requested to speak to a representative or manager but were informed that no managers were available at that time. Despite this, Gary assured us that he would do his best to facilitate a manager’s call. This was successful and we spoke to a manager just before 3pm.

The manager’s tone was defensive and firm, lacking empathy and solutions. Despite our request for a middle ground and satisfactory resolution, she only provided three options: paying for the vehicle and settling the remaining £13,000, returning the vehicle to a third-party dealership or selling it if its value was higher.

We asked if there were any other options to amend the contract agreement, but the manager was firm and insisted that these were the only three options available. We ultimately decided to proceed with option 1. We also requested a bit of time to finalise the payment, for the end of February but she won’t Burch. She only provided 7 days and stated even if I settled the payment it will be in my credit report for 6 years- but she didn’t stated what will be there and I enquire but why if I had settled the payment. I am uncertain if this is accurate and acceptable? Northbridge please advise as this will massively impact and affect me and my family’s in the current and future situation. Thanks

Eric was excellent I really appreciate his professionalism

I`ve tried calling and they won`t answer the phone.0 stars.

The person that I spoke to was very efficient, polite and helpful. They looked into my query and it was all resolved extremely satisfactory and in a timely way. Excellent customer service today.

I formally rejected the vehicle within 18 days due to a confirmed engine fault. Both Northridge Finance and HPL Motors refused to accept the rejection, stating that an engine fault code is clear now without any repair. This is unacceptable and contrary to basic consumer expectations.

I am threatened now with storage charges of £20 + VAT per day unless I collect a vehicle that is clearly faulty and not fit for purpose. This feels like pressure rather than a fair resolution.

Additionally, a £1,949 loan for dealer “extras” was added to the finance agreement despite being clearly refused at the point of sale. Requests to cancel this loan were ignored entirely. This was misleading and non-transparent.

The finance company has chosen to align itself with the dealer instead of acting impartially, leaving us stressed, financially pressured, and without a usable vehicle.
Now looking to make a court claim against this. Absolutely disgraceful conduct!

Aftwr having reading of payment methods, i decided to call in for assurance. Eric explained in details different ways to make payments towards my finance. As a courtesy and following my online preferred method, Eric then walked me through the online (internet) platform, explained the non obvious boxes to complete and explained what happens after a payment is made. I was on the phone shorter than expected. 10/10 service

Very helpful and friendly on the phone

Hound you via email and text, won’t discuss your financial struggles over email but are only open during working hours for calls and even then you are on hold for ages and then if you are lucky enough to get through, they just don’t speak. Awful service and even worse holding music

Just spoke to a really friendly and helpful guy called Gerry. He assisted me with my query very quickly and efficiently. Many thanks once again.

Great understanding of situation surrounding need to cancel agreement

Eric was amazing with supporting me when my car failed on contacting the dealership and resolving my issues

Just spoke to Jack in the customer care department, trying to arrange to hand my car back at the end of a Pcp agreement, Jack doesn't seem to understand how this works and making it very difficult and confusing, I asked to speak with someone else, that option was refused, asked to speak with his manager that was refused asking for his managers name he refused to give this information, I advised he was making this situation very difficult and confusing, continued to tell me my next payment is just over £10,000 no Jack it's a Pcp I have the option to hand the car back... Why are you making this option so difficult?

My experience with Northridge Finance is illegal and their handling of what is such an emotive experience shows everything you need to know.
I purchased a vehicle under their PCP agreement and what has happened since is nothing short of disgusting .

After the vehicle suffered a major engine failure within just 2,000 miles, I followed Northridge’s own advice and commissioned an independent inspection by Northridge’s recommended expert.
Despite the thorough, legally compliant report confirming the defect was present or developing at the point of sale (and NOT caused by my use), Northridge has consistently refused to accept responsibility or take meaningful action. Instead, they have wasted months deferring to the dealer, requesting unnecessary clarifications, and ignoring clear evidence.

Key issues:

No Final Response: After five months, Northridge has still not provided a formal resolution or final response, despite repeated requests and all evidence being supplied - Whist expecting payment for a car that doesn't work
Ignored Expert Evidence: Northridge advised who to inspect the vehicle, made me pay then disregarded their findings when the report confirmed the defect was not my fault.
Unreasonable Delays: I have been left without a usable vehicle for over five months, incurring significant financial and emotional hardship for myself and my young family who are without a car.

Disregard for Legal Rights: Northridge’s handling of my complaint is in clear breach of the Consumer Rights Act 2015 and Consumer Credit Act 1974. Their failure to act promptly and fairly is not just poor service—it’s unlawful. I have had to escalate my case to the Financial Ombudsman Service, who are now formally investigating Northridge’s conduct.

Summary:
Northridge Finance has demonstrated a complete lack of accountability, customer care, and respect for legal obligations. Their relentless delays and refusal to act on independent expert evidence have caused me significant financial loss and distress. I strongly advise anyone considering Northridge to avoid them at all costs.

I have a young family and have had to be without a car for 6 months whilst paying a monthly fee while Northridge do nothing! No final response, not action, no accountability or pressure to get to a resolution, just delays and stalling.

Spencer Halil this is the sort of service your company provides, you should be ashamed

Gentleman we dealt with was friendly, professional and helped us immediately. Knowledgeable and dealt with our request providing what we required before we had gotten off the phone. Excellent service

Very helpful and friendly staff, happy to answer my questions.

I have financed cars with Northridge and never had an issue. But the one time I needed their support and step up, they completely failed me.

I bought an electric vehicle with a range of 275 miles advertised. Cutting a very long story short, the car once delivered was only getting 150 miles, significantly under what was advertised this. I consistently raised this with the dealer who reassured me this would improve with the weather and warmth, not aware of the rights I was giving up.

The issue did not improve with the weather, and once the dealership contact ceased I asked Northridge to help and raised a complaint as I wanted to return the vehicle.

Northridge took no sense of compassion or empathy when looking at the real life toll driving this unpredictable vehicle was having, purely favouring the dealership despite their completely obvious short falls and no contact.

I am absolutely disgusted by the fact Northridge took none of my feelings or thoughts into their decision. I provided visual evidence of the dashboard showing the issue, as well as battery health report which was not ‘sufficient’ evidence.

When I raised my disappointment in the decision, I was told it would be looked back into… this was 3 months ago and I have not heard a peep. I have now raised this with the financial ombudsman.

I will never finance another vehicle with northridge - they have made a mockery of me and my feelings, providing no support or protection to their customer.

Avoid if you want a finance company who will protect you when you have clearly been failed.

Great and helpful staff when you call them when I go for another car I am goin to ask car dealers do they use Northridge would like to keep with them

i am writing to complain about my agreement. i have done overpayment on 8th and 9th of September for total of 12K but yester i have been informed that you cant accept the overpayment! when asked the adviser why, he was not sure why exactly? at first said that because my agreement is over 50K! which is not true (the purchase value is over 50K but not the loan value! then he said because i have irregular agreement, but when i checked my agreement is HP and clearly mentioned in your website that i can do overpayments.

they are scamming customers and not following FCA guideline

Very helpful when I phoned up and sorted everything I needed out straight away.

Theyve been ignoring me for 6 months and not replying to my emails. Very unprofessional company.