Santander Consumer UK plc Anmeldelser 

Declined business finance on a Tesla when I have the funds in the account to purchase the car outright. Passed from pillar to post on the phone with no resolution, promising to get explanations, but never did and from some parties no replies to emails and even hung up on. If you see a car lease being offered through Santander, I'd think twice as theres a chance you'll waste time, pass up other deals etc and end up with nothing

Worst credit company. They rejected my application with no reason

Santander have made an error logging our vehicle VIN number on one of their agreements. We bought our car cash and have never had a finance agreement with them. This has led to an HPI marker being put on our vehicle making it impossible to sell or part ex. Hours waiting on the phone only to be told they won't help because we haven't got an agreement number. Into the third week of trying to sort this out. And I can't complain because you guessed it I don't have an agreement number. Absolutely shocking that they can cause this amount of stress and I have no redress.

Absolutely unacceptable. I'm writing this whilst being on hold for 47 min and counting........

I wish there were negative numbers on the stars, 1 is way too good for this set of clowns.
I had a car on a PCP with them, I did a voluntary termination at 50%. Their collection agents got in touch to collect car and failed to turn up on the day. Another appointment was made and again they didn’t show. The third appointment was made and they did turn up. The guy was really good, he checked over the car with a fine tooth comb, he said he couldn’t see any damage, the car was fine. The paperwork was signed and off he went.
The car arrived at their chosen auction site later the same day, the very next day I received a letter from Santander stating my car needed £2019 of refurbishment work, they didn’t specify what the work was.
I have escalated this to the Ombudsman, dealing with Santander is impossible.
AVOID THIS COMPANY AT ALL COSTS.

No one responds to emails and can be on the phone for hours trying to get through to someone. At end of car finance and you have right to hand back car, they won’t take it and only want the balloon payment so they will take you to court for the balloon payment even though you have constantly contacted them to collect the car

My experience with these suggests that even regulated companies do not follow protocol.
The hell these have put me through.

The amount of complaints I have had to make about the staff members, the level these robots will go to to work against you and refuse point blank to help or offer any customer service.
I had arranged a Voluntary termination that on the day I tried to cancel due to outstanding balance I thought I would just rent out my caravan instead!
I was advised I could not stop this action because it had " already been sold" .... I was not behind on payments just couldn't continue with all the hidden costs each month.
So I had to hand my keys over...
Within days my caravan was up for sale on the same park that claimed " they were not buying it back" but also it was up for sale with these being the finance providers!

I had a outstanding balance that they agreed could be paid over time, there were lots of issues in my paperwork they provided me between the park and satander they had lied about income and out goings falsified my signature on a few pages failed to use my actual bank statements and played guessing games of outgoings.

Please DO NOT Ever VT with this company they will play it down tell you stories how some people pay 1p a month how its absolutely fine to do because it is not !! ,all they want is you to fall into that trap to not only continue to profit off you but to let some other poor soul take finance out at the same time so two people paying for one item .

It was car finance that I was provided with.
They refused to answer about false information they had provided etc so I went to the ombudsman and made a agreement with satander to do what they offered "token payments "
Please do not ever take this offer.

We agreed that while the investigation is going on I will make regular token payments anything from £1... I arranged to pay £100 a month.
Santander sent me there details and I stuck to what I believe was the agreement.
A few weeks in i receive a letter that left my confused so I called a employee P bizarrely called me a liar said there was no agreement and " you must of found our details on line"..... I was left speechless!!
He was so rude .
They had referred me to there solicitor and broke the agreement I had made!
I sent all the correspondence that confirms i was no liar.
They rejected my complaint refused to speak to me hours upon hours of trying to speak to the right person.

Refusing to investigate what has happened only suggests guilt to me.
This nonsense has continued for 10months.
I have been paying a company that have happily taken my "agreed" amount each month yet the same time refuse to speak to me just say ...." call there solicitor "
I have never received a single letter from there solicitor I only had the number from these idiots and when I have been put straight through on the phone the poor solicitor has no idea who I am!

M in recovery is the person who made this arrangement with me but when I finally got to speak to her last month she claims it was not a agreement but agreed she was the person who set it up with me and who sent me there payments details 💡!!
Please avoid this company as its just absolute corruption.

I understand a VT effects your over all credit until cleared but the way I have been treated is criminal .
I have continued to make months of payments, receiving letter after letter from this company very threatening letters ..... when I call I am over 2 hours on the phone going from person to person being told" contact the solicitor " yet they have asked me to call yet the person sending these letters won't actually speak to you!
That makes me question if it is a real person or just a name used on these scar mongering letters!

To end this months and months of stress the ombudsman is upholding my complaint!!!🙏
So if you know these big companies are doing wrong by you do not give up!
And finally santander ..... you were and have been found to be irresponsible lenders

I ended my lease agreement early with Volvo Financial Services, (joint venture with Santander) on the settlement figure, and had the car collected with no issues. However, the administrative follow-up has been an absolute nightmare.

I spent three weeks trying to get them to take the final payment so I could officially close down my account. Despite being assured a pending direct debit wouldn't go out, it did. When I called to complain, I was told it would be offset against the balance, but a week later nothing had changed. I was assured again it was being handled, yet nearly four weeks later, the payment situation is still unresolved.

Looking at other reviews, this disconnect in communication seems to be a recurring issue. In the end, I had to cancel the direct debit myself to stop payments for a vehicle I no longer even have. It is beyond frustrating to have to constantly chase a finance company just to pay what you owe them and close an account.

Never Take out car financing with Santander consumer UK. Opened a complaint regarding a faulty vehicle. Wrote to be over the 21 day period saying they were closing the case as I didn’t provide any evidence. Unfortunately Santander associated my claim with another case and have now exceeded the 21 day period for the second time. They have accepted fault at the time of purchase but are carrying out reports and investigation which exceeded time frames to do so. Customer service is terrible. Whole service is terrible.

Extremely rude member of staff hung up on me when I phoned asking for an HPI clearance letter. First of all, she said that it would be in the post, then said it would be by an email which would take 10 minutes. 90 minutes later, still waiting .
Initially it was more than 10 minutes of hanging on the line before a human spoke and she was very abrupt and rude.

Strange how we can’t be “abusive” ( which I wasn’t) to them yet they can be abusive and rude to the customer.

Useless company and complaints service. Made a complaint about a damages car 5 months ago still no closer to a resolution. Awful awful company

Shocking complaints service.
Poorest service I have ever experienced. Logged a complaint on 12th May 26 and this still hadn't been dealt with when I chased on 2nd Jul 26 and 7th July 26. Finally received an email same day as I called to chase, for them to inform me they were still looking into my complaint and it should be another 4 weeks. Obvious mistake as they had already confirmed by phone they hadn't even started investigating my complaint !
2 more emails sent for an update and neither have been answered. Now I can't even get through on the phone !!

Appalling vehicle contract hire finance company, no customer service at all, I tried to extend my contract by one month because my new vehicle is a twelve to fourteen week delivery which meant i could be without a vehicle for up to one month when this vehicle is returned. All i needed was an extra one month added to my contract, all Santander is interested in is getting the vehicle collected and sent to the auction.
If you are looking to contract hire a vehicle do not use Santander as the finance company.

Shocking customer service. In fact no customer service.

Honestly the worst company to exist. I’ve had an ongoing complaint since January 2026. They have even started to ignore my emails now. Had to get the ombudsman involved.
Customer service is TERRIBLE!

Still waiting after 1hr and 45mins on hold.
Pathetic company

Very disappointing experience.

I contacted Santander Consumer Finance immediately after discovering serious issues with the vehicle, believing they would investigate the matter fairly as the finance provider and legal owner of the vehicle.

Despite providing detailed information and supporting evidence, they refused to resolve the matter or offer any meaningful assistance. I was left feeling that my concerns were not properly investigated or taken seriously.

Communication has also been extremely poor. I contacted them multiple times requesting updates and responses, but I either received no reply or no meaningful response to the points I had raised.

As I have been unable to reach a fair resolution through Santander, I am now pursuing legal action to have the matter independently considered.

I expected a much higher standard of customer service and professionalism from a major finance company. Instead, I have experienced delays, poor communication, and a complete lack of support.

Based on my experience, I would advise anyone financing a vehicle to fully understand what support they can realistically expect if a serious dispute arises.

Santander contract hire vehicle. Very very poor service. Communication and a scammer . Parking ticket challenged twice , and emailed them directly and paid the ticket which is supposedly under appeal. Charged admin fee 15£ on top of the said ticket.
They should atleast communicate with me , as their customer they trade their customer for a 15£ admin fee profit , they have no idea and history what us going on. That's how dumb, selfish and useless these Santander car lease. Please be very careful do not use this ever.

Simon from custoner hire was amazing, he needs an award. he asisted me today and put my mind at ease. i have been stressed moving home and he was able to extend my car. he honestly needs employee of year

Very simply trying to stop paper statements for my wife. Not possible online for a second person on a joint account. The chat bot was up for more than half an hour then dropped. Calling the 0330 number resulted in being on hold for ages and ultimately also dropped. Long time customer but seriously considering ditching them.