Northridge Finance Avis 161

My experience with Northridge Finance has been frustrating, slow, and deeply stressful, with little to no support from their team. I financed a vehicle through Northridge in collaboration with CarTime Rochdale, only to face persistent mechanical faults within weeks of ownership. Despite raising my concerns as early as November last year, I have been met with delays, misinformation, and a complete lack of urgency in resolving the matter.

The vehicle developed a serious engine fault within the first 12 weeks, shutting off while driving—a significant safety risk. An independent inspection arranged by Northridge confirmed that the wet belt had disintegrated. While this was replaced, starting issues persisted, leading me to formally reject the car. Due to Northridge’s failure to act efficiently, I have been stuck with a faulty vehicle for far longer than necessary. CarTime have now accepted rejection of the vehicle, but with an unacceptable usage fee attached which Northridge are attempting to pass on to me.

Throughout this ordeal, I have been passed from one person to another, with no clear resolution in sight. Despite multiple follow-ups, I have had to repeatedly chase Northridge for answers, and even when promised a call from a manager, it never happened. It feels like no one is taking responsibility or actually helping, leaving me stressed and out of pocket for a car that should have been returned months ago.

Adding to the frustration, I was assured on March 18th that my payments would be suspended following the vehicle rejection, yet I later discovered this was untrue. I was also initially told there would be no usage fees, only to suddenly be presented with a ridiculous £3,400.20 charge—despite the fact that the car was defective from the start. Northridge has failed to challenge this excessive fee and seems content to let customers suffer unfair financial losses rather than fight on their behalf.

Under the Consumer Rights Act 2015, I should not be penalised for purchasing a faulty vehicle. I have already paid £1,999.16, and Northridge now expects me to pay an additional £1,401.04 on top of that. This entire experience has been a nightmare, dragging on for months longer than necessary, causing endless stress, financial strain, and a complete lack of faith in Northridge’s ability to support its customers.

Their slow handling, poor communication, and unwillingness to take action have made this one of the worst financial experiences I have ever had. If this issue is not resolved fairly, I will escalate my complaint to the Financial Ombudsman Service and seek legal advice.

I do not recommend Northridge Finance to anyone—if something goes wrong, expect to be misled and left to fight an uphill battle on your own.

Great customer service

Brilliant sustomer service from the first call. Will definitely be using them again,. Plus great interest rate

Very helpful and professional

After multiple attempts to resolve my issue, following on from my previous review, I was assured by Spencer Halil, the Managing Director of Northridge, that he would step in to help and address the severe distress caused by my ongoing case. Unfortunately, despite his involvement, the situation has only continued to escalate with no real resolution in sight.

This car has already had significant issues resulting in it being in the garage for over 7 weeks, and I’ve highlighted multiple concerns beyond the water ingress, including the diagnostic report that revealed numerous faults. These issues were highly concerning, yet they’ve been dismissed with little regard for their potential long-term impact on the vehicle. Instead of addressing these matters thoroughly, I’ve been met with delays, lack of communication, and a failure to fully acknowledge the gravity of the situation.

Despite my position that Northridge and the car dealership should be held jointly liable, Northridge continues to lean on the dealership's response to justify their decisions. This reliance on the dealership's stance, rather than taking responsibility themselves, disregards my concerns and undermines their obligations under Section 74 of the Consumer Credit Act. It feels like they are using the dealership as an excuse to avoid their duty to resolve the situation properly.

Despite Mr. Halil’s initial assurance, Northridge’s latest stance has been to suggest a repair (after an extended period of waiting with water ingress posing potential damage for over 5 weeks) and offer minimal compensation for the distress caused, all while dismissing the long-term impact on the vehicle’s condition. Their lack of willingness to fully support my right to reject the car has been incredibly frustrating, especially after having conversations with Northridge employees on the complaints team, who initially told me I was within my rights to reject the car. To then be given a conflicting final decision is unacceptable.

I also raised concerns about an unauthorised second payment from my account, which was another oversight that added to my growing frustrations. Northridge’s response to that was to suggest I cancel the payment myself, leaving me in limbo. While I have been told this will be refunded, I have serious concerns about why this happened in the first place.

Following advice from Trading Standards, I am now awaiting a full Financial Ombudsman Service (FOS) investigation into this matter. The entire experience has been exhausting and disappointing.

I strongly urge anyone considering using Northridge to think carefully about the potential consequences of unresolved complaints, as they seem unwilling to prioritise the customer’s well-being and satisfaction.

Brought a car from Arnold Clark and have been having issues with it. I have raised a complaint about this and still have not heard back from the complaints handler with an outcome. I have called multiple times and have been advised I will be getting a call back but I never do. The customer service advisers just fob you off to get you off the phone and don’t actually care about your actual issue at hand. I have called this morning and the woman who answered the phone purposely put the phone down and did not call me back.
I Do not recommend Arnold Clark or this finance company

I recently had an issue with Northridge Finance regarding the settlement of my car finance. Despite my new dealer, Car Giant, processing the settlement payment, Northridge insisted on still taking the monthly payment from my account. When I contacted them for assistance, they were unhelpful and simply stated that if they received the settlement, it would take 1 to 5 working days to process a refund—meaning I’d be out of pocket in the meantime.

Rather than offering any real solution, they left me with no choice but to contact my bank and block the payment myself. Given that this was a clear case of double payment for a car I no longer owned, I would have expected a more proactive and customer-friendly approach.

Disappointed with their lack of flexibility and poor customer service. I wouldn’t recommend them to anyone looking for a finance provider that genuinely supports its customers.

Updated Review:
I initially had an issue with Northridge regarding my car finance settlement, as they continued taking payments despite my dealer processing the settlement. At the time, I found their approach frustrating and felt there was a lack of flexibility.

However, Northridge has since responded to my complaint with a clear and professional explanation. They clarified why payments must continue until settlement is confirmed and provided helpful advice on how to avoid similar issues in the future. While I was disappointed with the situation at first, I appreciate their response and the effort to ensure customers understand their responsibilities when part-exchanging a car. Since this complaint everything has been resolved and I am a happy customer. I hope this education others about car finance.
Best regards,
J.Dolan

After having problem with my car i bought from a dealership I can honestly say Emma who was great, helped me so much an communicated with me every step of the way. I really couldn't thanks them enough. Would recomed this company as they are so willing to help there customers.

Very professional, good experience

Just called Northridge Finance in Belfast and spoke to Gary about my car finance.
What a superb person Gary was, he was most helpful and explained the contract and my liability etc with great professionalism.
Well done Gary 10/10

While taking out finance with Northridge was straightforward, their customer service when it comes to resolving issues is appalling.

I had to return a car I financed through them, and they assured me I’d be refunded once the dealer repurchased the car. However, I received no help dealing with the dealer and had to handle everything myself. Once Northridge started communicating with the dealer, I was completely excluded from the process.

What’s worse is that it has been months (since November), and I still haven’t received my refund. I’ve spent the past two weeks calling every single day, and each time I’m told that the complaints team will call me back. Two weeks later, I’m still waiting for a response.

This level of customer service is unacceptable. Northridge is great at taking your money but offers no support when issues arise. I wouldn’t recommend them based on my experience.

After a negative review I had left previously, it is only fair that I now update on the way that Northridge have helped me with my previous poor experience. The MD, Spencer, has been absolutely amazing in finding an appropriate resolution to my problem with my previous vehicle. I cannot thank Spencer and his team enough for what they have done to help me. Thank you!!

Gary was so helpful, knowledgable and handled my query quickly and efficiently. Thank you!

Garry was friendly professional and went above beyond lovely patient and listened and said hed send out my settlement. Hard to get some one who listens and great he was irish 😉 and not someone in India keep doing what your doing garry 100% fab

The gentleman who spoke was straight away on the case, helpful and friendly, this kind of attitude shows respect for his customers.

Phoned up for settlement figure. Immediate response(after security checks). Got email of confirmation as requested after conversation.

I called Northridge with a query about the terms of my finance agreement and the options at the end of the term period. I spoke with a guy called Gary, who was patient and took the time to make sure I had understood the possible outcomes. He was obviously very knowledgable about his role and able to provide a lot of information in a quick and friendly manner

Gary has gone above and beyond on his customer service and satisfied myself as the consumer. No complaints at all.

Great service very helpful