Blue Motor Finance Reviews 

Spoke to Ryan today at Blue Motor Finance. He was very polite, extremely helpful and he resolved the issues that I had really efficiently.

Blue Motor Finance (BMF) is actively exploiting automated loopholes and manipulating credit files to apply financial pressure during active litigation. Their predatory conduct calls into question their fitness to hold an FCA consumer credit license.

After formally accepting that the vehicle they financed was not of satisfactory quality, and was supplied with an active, outstanding manufacturer safety recall (24E06) for a fire-risk Diesel Particulate Filter defect, they have completely refused to execute a proper statutory remedy. Instead, they have engaged in:

Unlawful Asset Grabbing: They have refused to properly unwind the agreement following the legal rejection, attempting to pocket my £10,700 part-exchange asset and £1,800 deposit. This is a blatant attempt to unlawfully hoard consumer equity.

Denying Public Safety Records: They explicitly denied the safety recall existed in their final response letter, despite the official DVLA database publicly confirming the fire hazard.

Fabricating Credit Strings: They manipulated my credit file by reporting January, February, and March 2026 as "Paid" (when I paid nothing), then switching to "Missed" for April, May, and June, all on an agreement they had already terminated. A consumer cannot legally "miss" a payment on a dead contract.

Procedural Absurdity: They issued an impossible Default Notice on 9th April 2026, just 9 days after their own records claimed the account was fully "up to date."

The Financial Ombudsman Service (FOS) actively enabled this behaviour. Rather than enforcing consumer protection laws, the FOS acted as a bureaucratic shield for BMF. They issued an absurd decision that completely ignored BMF's unlawful asset grabbing, excluding my £10,700 part-exchange equity on the flawed logic that a financed trade-in asset belongs to the lender, not the consumer.

While responsible companies like Experian have acted swiftly to protect consumer data, BMF continues to use deceptive reporting to damage consumer reputations during active court proceedings.

A formal complaint has been escalated to the ICO. BMF’s systemic failure to treat customers fairly, combined with their predatory asset retention, is being formally compiled for the FCA to question their suitability to remain a licensed lender. The County Court will now enforce the statutory restoration that BMF and the FOS tried to bypass. Avoid at all costs.

If you have finance with this company, I recommend requesting your DSAR under Data Protection Law. The data I received raised serious concerns for me

If I could give this company zero I would. The sales process, you think Wow, these guys are great. However, I have found Blue Motor Finance’s complaints handling to be extremely poor, inconsistent, and frustrating.

On 14/12/2024 the timing chain on my used vehicle, that i’d had for only 28 weeks, snapped and destroyed my engine, leaving £10ks worth of damage. It was due no service or MOT. They were done by the dealership before I bought the car, or so I thought.

Because my complaint was raised just outside of six months, I was told that the burden was on me to prove the fault, and I was instructed to obtain my own independent mechanical report. Despite this, Blue later changed their position and arranged for their own chosen inspection company to attend. That inspection was wholly inadequate, in my opinion — the engineer was at my property for no more than eight minutes from arrival to departure, which can hardly be described as a meaningful investigation.

Crucially, the inspection failed to inspect the oil filter at all, despite this being directly relevant. When the vehicle was later properly examined, when I commissioned my own report, it became clear that the oil filter had not been changed for approximately five years and contained an after market filter not suitable for the vehicle, directly contradicting the dealership’s claim that it had been replaced as part of a service carried out at point of sale. I managed to trace the original filter back to a service in 2021. It also had more owners than advertised.

The complaint ultimately went to the Financial Ombudsman Service, who issued a final, binding decision in my favour, which I accepted on 5 December. The vehicle was collected on 23 December. Despite this, Blue Motor Finance failed to comply within the required 28-day timeframe, 5th January 2026.

As of today, I have received no confirmation of the redress amount, no payment, no account update, and their own customer portal still shows a missed payment dated 28 December, continuing to treat the agreement as live, despite having a decision on 5th December, over 3 weeks prior. It took them 18days to arrange a vehicle collection.

The shifting positions, superficial inspection, and failure to act even after an Ombudsman decision demonstrate a serious failure in complaints handling, investigation standards, and customer care.

If you are offered an inspection by Blue Motor Finance for a fault that arises outside of six months, I would strongly recommend, based on my experience, commissioning your own independent report ONLY!

Had finance on a car that was stolen. I requested an early settlement figure which was higher than the insurance would pay out. This left me with a £1,700 shortfall and had 90 days to pay the reminder in full or I could go on a payment plan. I called up on the 17/12/25 to settle the outstanding amount and because I was doing so before the 90 day's I'd save £121 and a few pence so I paid it off. I requested an email to confirm all had been paid off and that there was no further outstanding monies due which the email I received confirmed. Upon checking in on the portal a few days ago to make sure it had all been done, I noticed it was still saying I owed the £121 to which I didn't. I spoke to an advisor today who told me I'd get a refund in the next 7-10 working days! Because of the time it will take to clear, I'm going to have to use my overdraft which I will now get charged for through no fault of my own. Really disappointed and frustrated to be honest. The advisors tone suggested that It was my fault as I should have cancelled the direct debit when in actual fact, my account should have been closed when I paid the balance before Christmas.

easy process, good service

Received excellent customer service. Angela K was very integral from start to finish and had up-kept her professionalism throughout. Very easy to deal with.

Given my own traumatic experience unrelated to this company I fell behind for a large number of months but this company Blue Motor Finance didn't falter didn't miss a beat going above and beyond in not only supporting me emotionally ( which isn't their job ) but they did anyway understanding everything as if they were my friends they always treated me with respect and helped me get back on track now.im up to date and it's all because of them their team I can't put into words how not only professional but kind, caring and understanding I owe alot to this company it was never about money as they let me pay what I could and my well being was always clear at the forefront of they're focus THANK YOU FROM THE BOTTOM OF MY HEART Blue Motor! ❤️

They gave me a loan and trust me to make payments

i will pay early for my bike but i highly recomment £58 a month for a sports bike i do recommend and very friendly staff

Their telephone answering is a perfect foil to ever being able to speak to anyone with any authority or experience. Absolutely the worst company to contact I have dealt with in years. Needless to say the issue remains unresolved.

Let's see how genuine you are. You have a

As I expected - no contact from them, just this stock reply which tries to show that they could give a sh-t, whilst effectively ignoring me and my problem. Don't worry BMF, at age 77 I don't have the energy to bother with pursuing the claim so you actually won. I hope you enjoy your ill-gotten gains.

I'm writing this review as I took out a agreement with this company and payed for 5 years never missing a payment £12000 and then find out they did a discretionary commission behind everyone's back I'm not happy have a claim against and when I email I get the same reply the fca hasnt agreed .I want this compensation asap and you can do it but playing the system .I was a good client and if i missed a payment you would be fast at saying i owe you a commission process fee for late payment .on another reveiw site you have said that you emailed me back but haven't please call me to discuss

From trade in purchase to blue motir cintacting me with a month drict debit refund all went alarmingly well, this company has gone far and beyond in keeping me updated, settling the DD and being most proffesional in dealing with the agreement closure
Thank youb

Following my last post re the upsetting situation we where in - Blue have now made it right. I was fortunate enough to have a sensible conversation with the complaints manager Rebecca Hefford, who listened to our experience and made it right. All I can say is that she is a credit to this company and perhaps there needs to be a review of how complaints are handled initially. Thank You once again Rebecca.

Ive been with blue motor finance 5years now the only issue i had was when covid hit and couldnt pay monthly bill in full,so i asked if i could pay just a littel less and they agreed but then put a black mark on my credit score..

I got a car on 2nd of September. On the way back from collection, the engine light lit up and I informed the dealer. After 7 days without reply from the dealer I informed Blue Motor. 8 weeks and countless calls to their complaints team later, vehicle confirmed as faulty and finally they collected the car from me on 10.11.2025. During this period they told me not to drive the car which is understandable. So I had to find another car finance with more APR. Also they expect me to pay my instalments for a faulty car that already been collected. What about customer expectations? Finally, I warned them about dealer that they will stall to pay my £6.700 refund. They didn't take action and it is happening right now. There is more to this story but long story short don't work with them if you don't have to.
After 5 years(with competent and properly trained staff) you should give them a chance.
Thank you for your time.

Had 2 cars both numerous problems, wanted me to pay ££££s for checks, engineer reports. Had gap cover, they cancelled it so I was £1400 out of pocket. No chancing me for it.

They are not fit dor purpose and useless

Very easy process and quick approval. Customer service was helpful and everything went smoothly. Happy with Blue Motor Finance.

The only company I would go to in future, total stress free no worry finance, I got messed about from a lot of other company's, had me waiting weeks before I found blue motor finance, all completed within an hour amazing thank you so much

I’m extremely disappointed with how Blue Motor Finance handled my complaint.
I financed a car through a dealer who strongly encouraged me to use Blue Motor Finance. Two years later, when I tried to sell it, I found out the vehicle had been stolen, recovered, and listed as salvage — something that was never disclosed when I bought it.
Had I known this, I would never have purchased the vehicle. The car’s value has dropped significantly, and I’ve been left with a car that’s difficult to sell and worth far less than I paid.
When I raised the issue, I even provided a link with official details and pictures confirming the stolen/salvage history. Despite this, Blue Motor Finance’s final response claimed their checks were fine and that the vehicle “met all requirements.”
It’s shocking that, even with clear evidence, they refused to accept responsibility. Their decision feels unfair, dismissive, and completely lacking in accountability. I’ve now taken the matter to the Financial Ombudsman Service for independent review.
Consumers deserve transparency and due diligence — something I did not receive from Blue Motor Finance.