Northridge Finance Recenzje 

Initially, I had a frustrating experience after financing a car through Northridge, especially when several undisclosed issues came to light shortly after delivery — the most serious being a large chip in the windscreen that quickly turned into a crack. At first, I felt unsupported, particularly given the distance from the dealer and the tight timelines involved in resolving the matter. It was an incredibly stressful situation, and I didn’t feel like my concerns were being heard.

However, after further communication and escalation, I’m pleased to say that Northridge did step in to help resolve the issue fairly. They took my complaint seriously, reassessed the situation, and ultimately acted in line with consumer protection laws. While the process took some persistence, I’m now satisfied with how the matter was handled and the outcome that followed.

I especially appreciate that Northridge acknowledged the dealer’s responsibility and helped ensure I wasn’t left to cover the cost of repairs myself. Once the right person got involved, the communication improved, and things moved much more smoothly.

Mistakes and misunderstandings can happen, but what matters is how they’re handled. I’m grateful that Northridge ultimately did the right thing and supported me as a customer. Their low rates are indeed competitive, and with the resolution in place, I now feel more confident recommending them — just make sure to raise concerns early and document everything. Thank you to the team who helped turn this experience around

Frustrated / disappointed/ angry
am extremely disappointed with my experience dealing with Northridge Finance . I purchased a vehicle through their finance on the 12th of June 2025 and quickly discovered that the car was not as described and also had mechanical faults. Under the Consumer Rights Act, I believed I had the right to reject the vehicle – especially within the first 30 days – but the company is refusing to support the rejection process.
The car was advertised as clean and pet free but on driving the car home, I noticed the car wasn’t pet free as my Autistic daughter as direct sensory sensitivity to animal hair, I have stated in my emails to them that I can’t drive the car has my daughter is sensory and has meltdowns in the car . With this the car has just been parked and not driven
I spoke to a guy called Alan who has refused to listen to what am saying but rather just keep saying the dealership is willing to wash the car
I have been taking my children to school in a taxi which is really frustrating for me at this point and also spending a lot on taxis
I’ve spoken to their team on two separate occasions to try and resolve the issue, but instead of helping, I was met with rude and dismissive behavior. During one of the calls, the representative abruptly ended the conversation, claiming I was "shouting" when I was simply expressing my frustration after being ignored and let down.
I taught the financial sector was meant to help the customer when having issues with the dealership but it’s not the case here
This kind of treatment is unacceptable, especially from a financial service provider who should be acting in the best interests of their customers. I would strongly caution others to think twice before entering into any agreement with this company.

Philip made the whole process of obtaining a final settlement figure quick and easy. He was pleasant to speak to and couldn't do enough to help. Northridge Finance have excellent communication and are a super organisation.

Courtney was phenomenal, so helpful, really listened and understood my needs, helped me get the best outcome, so pleased, could not recommend more. Thanks for all your help.
Scarlett x

Do not use this company. I had a finince agreement with them to purchase a new vehicle through my business. The vehicle required 2 engines and 4 turbos in the first 30 months I owned it.
I wrote to them to reject the vehicle and at first the upheld the claim then two weeks later wrote back and effectively said they had found a loophole and as a result would not be upholding my claim. Absolute disgrace of a company.
They even had the audacity to put in the letter "Customer care is our highest priority", eh... clearly not.

The customer service is very helpful and nice. Thank

Do not recommend. Chose this bank as it offered the cheapest rate at the time but every single time I had to deal with them it has been a nightmare. I have recently complained to them as instructed by citizens advice and their reply has not been helpful. The only thing between me and taking them to court is the lack of time I’d need to put in.

I called for details on my finance and was dealt with by a very experienced professional.

Great polite service from Eric. Thank you very much.

I don’t remember the name of my attendant, but excellent customer service, very helpful, explained and understood everything on point. 10/10.

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