Northridge Finance Omdömen 

I purchased a car and after 8 months the engine blew up in March. I have had letter after letter demanding money for this car. They have finally issued a notice for non payment September. I have had to go through the ombudsman who took on the case and ruled in my favour. This was in July. I have had to contact Northridge a high number of times to be past from pillar to post with nothing happening yet more demands are sent. Customer service is very poor where they do not speak between departments. They are still yet to reply to the ombudsman's decision and have sent further demands for money off me. My advice to any new customer READ THE REVIEWS and find an alternative. Because if things go wrong they will not be there for you

Two weeks on from my previous review and I genuinely thought I'd got a response.
The day after leaving this review I received an email offering a "special rewind" and promising "collection without delay" on my acceptance.
I responded within 20 minutes and have heard nothing since. I called after 7 days and was first told my case handler was on lunch, then he was in a meeting and then he simply wasn't going to take my call, a second complaint was filed along with a second Subject Access Request after the first provided no information on the complaint that has been on going since November 2025. Now the question is do I continue to wait and further impact my credit score as I am now the proud owner of 2 default notices or do I sell the car for parts to recoup some of my losses? Suggestions please

A refreshing company to deal with, they do exactly what they say they will and very helpful at all times.

I contacted your team with a straightforward query and, after waiting a few minutes to be connected, found myself on a call where nobody appeared to be available. It seemed as though a headset had been left unattended with no one responding.

I subsequently called your customer service number, only to be told by the agent that they could not hear me before the call was disconnected.

This has been a frustrating experience, and I would appreciate assistance with my query.

Amber was very professional and helpful great to speak too , thank you. Michael Holdsworth.

Very long wait to get through on the phone.

Northridge Finance: explain how THIS is a correctly processed regulated finance agreement.

We are now taking Northridge Finance through the Financial Ombudsman and the original 2021 dealer messages make for extraordinary reading.

The finance was in my name.
I was not at the dealership.
The dealer knew that. When told “she won’t be with me,” the response was:

“If she ain’t there it’s not a problem.”

Then the finance figures turned out to be wrong and replacement paperwork was required.
Then the electronic signing system failed.
DSG sent the dealer documents to sign manually.

My partner at the time who was NOT named on the finance agreement, asked the dealer to sign using my name.

Any professional credit intermediary handling a regulated finance agreement should surely have said:

“No. The borrower needs to sign this.”

Instead, the dealer’s answer was:

“Yeh.”

I did not personally sign it.

Yet the agreement Northridge now relies upon contains a supposed customer signature AND, unbelievably, a separate “Independent Witness” signature.

Independent witness to what?
The customer wasn’t there.
But it gets worse.

TrustFord handed us the car anyway.
We drove away on 8th November and travelled to Cornwall.

The following day, while already hundreds of miles away, the dealership telephoned asking us to bring the car back because the finance had not completed.

We couldn’t. We were in Cornwall.

Then, at 5:09pm on 9 November, the salesman messaged:

“Finally got paid out.”

Think about that.

We had been handed a vehicle and allowed to drive it hundreds of miles while the finance transaction was apparently still unresolved to the point that the dealership wanted the car returned.

What would have happened if it had been stolen?
What if it had been crashed?
What if it had been written off?
Who owned it at that point?
Who bore the risk?
On what basis had it even been released?

Those are questions Northridge now needs to answer.
This isn’t someone complaining because they missed payments.
We made all 47 normal monthly payments.

The dispute started because we had specifically questioned the enormous final balloon payment when the car was sold and were told it could be financed into further monthly payments. What wasn’t explained was that four years later we would have to make a completely fresh credit application which Northridge could simply decline.

They declined it.

We offered to continue paying approximately £500 every month until the remaining balance was cleared. And also offered for someone else to pay the instalments on our behalf.

Instead, we have faced threats of vehicle recovery and every single email has been ignored.

And Northridge’s defence has essentially relied upon the proposition that the original finance paperwork and procedure were correct.

So here is the question we have now put to both Northridge and the Financial Ombudsman:

How can you rely on the procedural integrity of an agreement when the borrower wasn’t present, the proper signing process failed, the dealer agreed to sign using her name, an “Independent Witness” somehow appears on the paperwork, and the vehicle was handed over before the finance process had apparently even finished?

We have the original dated messages.
We have the agreement.
We have the signatures.
And the Financial Ombudsman now has all of it.

I will update this review with Northridge’s explanation and the Ombudsman’s eventual decision.

UPDATE – Northridge have now responded below.

Northridge state publicly that this is “not a full account of the situation”, but have not identified a single factual statement above which they say is incorrect.

For clarity, the key points in this review are supported by contemporaneous written evidence:

• The dealer knew I was not present.
• The electronic signing process failed.
• The dealer said DSG were sending documents for manual signing.
• Partner asked the dealer to sign using my name and the dealer replied “Yeh”.
• I did not personally sign the agreement.
• The resulting agreement contains both a customer signature and an “Independent Witness” signature.
• The vehicle had already been released and taken to Cornwall when, on 9 November at 5:09pm, the dealer wrote “Finally got paid out”.

All of that evidence has been supplied to the Financial Ombudsman.

If Northridge believes any of those factual statements are incorrect, I invite them to identify specifically which one.

Saying this is “not a full account” without explaining what is supposedly missing does not answer the questions raised.

I look forward to their formal response and will publish the outcome here.

Gave me the wrong information which meant i couldn’t keep my car in the end, also said they had sent multiple letters when none was received, useless!

Negligent company. I’m stuck with a car that has multiple issues. It’s fully electric at doesn’t charge 70% of the time. I have contacted them multiple times and they are now ignoring my emails.

Terrible customer service and blatantly ignoring and stalling me the refund I am legally entitled to. The FOS are investigating however Northridge have failed to meet every deadline set and are now actively ignoring any opportunity to close this case properly and fairly. Absolutely awful company who do not ever hold any value towards their customers.

Rox cars 301 Middlemore Ln W, Aldridge, Walsall WS9 8BG, United Kingdom

Avoid This Dealership – Sells Faulty Cars and Refuses Consumer Rights

I bought a Renault Grand Scenic from Rox Cars under the explicit assurance that it was in "perfect condition." I specifically told them I needed this vehicle immediately to earn a living as a licensed taxi driver.From the exact day of delivery, the air conditioning system has been completely broken. I immediately informed them, and they sent me to Kwik Fit. The garage confirmed the gas is full but the actual air conditioning pump/compressor has suffered a major mechanical failure. Because the fault is so severe, Kwik Fit couldn’t fix it and even refunded my appointment fee. Without climate control, the car cannot legally or practically be used as a taxi.Despite being well within my legal 30-day window under the Consumer Rights Act 2015, Rox Cars is actively refusing my Short-Term Right to Reject. Their "Aftercare" department is playing games, pretending they don't know about the garage visit, and trying to force me into a month-long repair delay.Because of their dishonesty and delay tactics, I am losing massive commercial income every single day and suffering severe financial hardship. They have taken my money, left me with an unusable, faulty vehicle, and are completely ignoring UK consumer law.I have now escalated this matter to Halifax's dispute and compliance team, Trading Standards (Consumerline NI), and will be taking them to the Small Claims Court to recover my full refund and lost commercial earnings. Avoid this dealership at all costs unless you want to be left out of pocket and out of work!

Raised a complaint on the 19th May, raised a DSARs request on the 28th May, neither have been acknowledged despite multiple follow up emails (it is now the 22nd June).

Why does no one answer a phone anymore?? I have tried on 3 separate occasions this morning to contact these guys. Waited 20 mins and I was always number one in the queue! Not good enough from a company I’ve been directed to via Bank of Ireland.

My experience with Northridge Finance has been very poor. All communication is restricted to email, which leads to long delays and no real engagement. After returning a faulty vehicle, Northridge applied excessive usage charges and withheld a significant portion of the refund I was due.
The lack of transparency, customer care, and willingness to explain their decisions has been extremely frustrating. Overall, the service has been below acceptable standards.

I recently bought a car from Rox Cars in Walsall through finance with Northridge Finance. Unfortunately, the vehicle had several faults and a very strong smell of dog urine. When I contacted the dealership, I was incorrectly informed that I had no right to terminate the agreement or return the car.

The situation caused significant distress for my family, especially as my son has autism and OCD. Because of the smell and condition of the vehicle, he refused to get into the car, which made an already stressful situation even more difficult.

I then contacted Northridge Finance and spoke with a gentleman called Jerry. He was incredibly professional, patient, and understanding throughout the conversation. Despite how emotional and overwhelmed I felt, he listened carefully, explained my rights clearly, and reassured me that I was in safe hands.

As a nurse and a mother of a child with additional needs, dealing with car problems over the weekend left me feeling exhausted and alone. Jerry’s kindness, empathy, and knowledge made a huge difference during a very stressful time.

I am extremely grateful to Jerry and to Northridge Finance for employing such supportive and knowledgeable staff. Based on my experience with their customer care and professionalism, I would highly recommend Northridge Finance.

Will update review if I get a response.
Called today as you cannot refinance or sort a new loan via the app.
Was on number one in the queue. Was on hold for 11 minutes which would have been fine and I was happy to wait. Mid hold music it went silent and realised the call had been cut off. Sent two emails and explained this. My finance ends soon and I would like to know more options.

I had to give up my Mercedes for health reasons and I would like to personally recognise Nadia from the collection department. I had been waiting for a few weeks for the car to be collected and was getting really worried about it. Nadia was so caring and when she heard me upset she took time to check on my welfare. She arranged for the car to be collected and it was gone in 48 hours by a lovely, kind driver.
I hope the company shows her this review and rewards her excellence. Finding caring on the other end of the call means so much. Thank you Nadia

Not impressed I had to contact from Northridge Finance to confirm I had cleared all my outstanding finance and they did not even have the common curiosity to inform me in writing or email until I had to contact them to confirm the Finance was cleared.

Excellent support on making changes required on my account that the on-line system could not fix due to a technicality on a payment date change. Friendly and helpful agent.

Really helpful customer service and always lovely staff. Helped resolve some issues with a car from cinch took a while but those things do but great service