Mobilize Fs Reviews 

Poor customer service! I had to do the chasing to find out what was going on. They do not notify you of anything and when they call the operators sound like a scammer trying to get my details.

I've have found myself needing to repeat myself multiple times to the person on the phone because they can't understand me and I can't understand what they are saying over 1/2 of the time!

So, got a settlement balance and traded my car in for another. Dealer paid the finance but mobilize rejected the payment. I then ended up paying another months interest + payment.
The dealer sold my old car, only to find there was still a HPI marker. Had to get another settlement balance. They paid and yet they still did not confirm the account closure.
After 7 calls in 8 days (giving the same security info each time), on the last call they told me my details were incorrect. They had asked for the DD figure which I told them and they told me that was not the last payment. Well, it wouldnt be would it ?
These guys are totally, utterly useless. Cannot clear an account in a timely fashion which you need when buying another car. It is definitely the worst experience in over 40 years of financing cars.

I got a dacia sandero in December 2023. Due to circumstances changing, I ended up with a company car and I no longer needed my dacia as I had 2 cars. I knew I was in a deficit and I would have to pay a dealership the difference in what the car was worth vs the settlement figure. I was completely fine with this as I wanted the car sold and gone. I obtained a settlement figure through the online portal of £10,333.03 but I needed it in writing to sell my car. I called the company and was asked if I would like to remove my service plan for the future (they asked me I had no idea this was an option) I said yes and they sent me in WRITING a settlement figure of the £10333. I got all my documents together and went to the dealership to sell my car. All I needed was to speak to someone at mobilize just so they could confirm it was me who owned the agreement and the settlement figure was correct. All of a sudden at the dealership they claimed the settlement figure was incorrect and it was more than they told me. I literally had it in writing and phone confirmation from them. The person on the phone was absolutely useless and could not explain why. They said its impossible to remove the service plan but couldnt explain why they did do that and why I received the settlement figure. She refused to transfer us to a manager for an hour and I could not get a straight answer or explanation for anything. Once I got through to a manager they said that you can in fact remove the service plan (which the person before said absolutely cannot happen) but that you would have to pay the monthly payments for a service plan for a car you dont even own. Why do their staff not know the correct policy? Why would mobilize offer me the option to cancel the service plan and get a settlement figure and not explain that it would be a monthly payment or anything like that. It was just complete incompetence and I ended up spending 2 hours at the dealership trying to sort it all out. The sales representatives at the dealership were also confused and couldnt believe how badly it had been handled. Maybe in the future train your staff properly and dont try to blame customers for your own mistakes that are in writing

Awful company. Tried to get me into paying more money than I owed and never provided receipts for any money I paid in. I was on hold for 30 minutes each time and the outcome was always, we will call you back. Useless company, if any car dealer uses these to finance their cars I am NEVER buying it.

I have never experienced such poor administration, slow communication, and complete lack of accountability from a finance company.

I voluntarily terminated my PCP agreement correctly and lawfully in April 2025. The account was settled, closed, and showed a zero balance on my credit file for months. Then out of nowhere, (beginning of January) Nissan Mobilize Finance reopened the account and reported a completely imaginary debt due to their own internal administrative error.

After multiple stressful calls, I was eventually told that an excess mileage charge had been applied twice. Even after this was acknowledged, they continued to claim a balance was outstanding when it was not. Despite having paid the agreed final amount promptly in July, my account was reopened on my credit file with no warning, damaging my credit profile and causing unnecessary stress.

What makes this worse is the communication. If you email the Voluntary Termination team, you wait around a week for a response each time. One week to ask a question, another week to get a vague reply, then another week when you respond. Try to call them? At least 30 mins on hold to then be cut off. This is completely unacceptable when dealing with credit file errors.

After almost a week of silence, I was finally told the issue had been “sorted” and offered £50 as a goodwill gesture. I was later told this was actioned on 12 January when I queried it. The money has still not been received. When I replied to ask where it was, I was asked “have you received it yet?” - and now I’m clearly facing yet another week-long wait for a response. £50 is not enough for the amount of time and stress this has caused.

Even now, despite being told everything is resolved, my credit file still shows the incorrect debt. So nothing has actually been fixed.

At this point, it looks like I will have no option but to escalate this to the Financial Ombudsman Service, because Nissan Mobilize Finance seem incapable of correcting their own errors in a reasonable timeframe.

Mistakes happen - but reopening closed accounts, reporting incorrect debt, dragging out communication for weeks at a time, and then failing to follow through on promised resolutions is not acceptable for a regulated finance company. I will not be giving up and if no further contact and resolution is received by Wednesday the 4th I will be filing complaints with the Ombudsman.

If you’re considering Mobilize Finance, be warned: if anything goes wrong, expect slow responses, repeated errors, and a process that puts all the burden back on you to fix their mistakes.

1 star is already too much for this company.
I returned the car in January 2025 after their call and after negotiating and agreeing on the final charges. One year later, in January 2026, they sent me an annual statement saying I still owe the remaining amount — completely ignoring our agreement.
This was not an isolated incident; I had multiple negative experiences throughout our collaboration.
I would never buy a car through a finance company again and strongly advise others to be cautious.

Absolute horror of a company. Car returned in November 2025. Have never received an inspection report. Just received a settlement figure for 4 figures (inc over £500 to a replace a carpet which had a hole in it to start with). Car is over 9 years old and over 101,000 miles. Further, received a road fund licence bill 8 weeks after handing it over. Complaint to financial ombudsman being drafted.

Awful awful awful!!!
Requested a settlement figure to return my car and paid this figure promptly on 10th November. A week later received a demand for a settlement figure twice as high as what i had paid. Called and was advuised this was a mistake. Had to chase to get car collected which was eventually done in early December and am now receiving texts and calls fopr arrears on a car i no longer own!!!! Told i need to hold on calls so they can investigate!! I have better things to do than wait whilst you figure out your mess!! A complaint to the financial ombudsman is pending!!

Appalling experience from start to finish. After a major mechanical failure, responsibility was repeatedly denied and I was passed between the dealer and finance company for months. Communication was poor, promises were not followed up, and I was left without a usable vehicle while continuing to pay. The matter was only resolved after escalation to the Financial Ombudsman, who ruled in my favour and awarded compensation. Entirely unacceptable handling of a legitimate complaint.

Leased a Nissan for 4 years, returned car, the car had 4 full services and was returned with under 32,000 miles on the clock. Service book with stamps and all invoices for full services, mot and new tyres, included in service book when returning the car. Now they are stating there are no stamps in the service book! I never took a copy of the book with the stamps as didn’t realise they would blatantly lie. I will now obtain duplicate paperwork from the garages to prove they are being dishonest and that the services did take place. When returning your lease vehicle, ensure you take a copy of any paperwork and also take a picture of your service book stamps. Dishonest company and will be escalating to the ombudsman.

WOW, WOW, WOW - after reading these reviews - they are all correct. Imobilize is an incompetent, unprofessional and inept financier to car hire. Nissan pretend they are not linked but they are as Mobilize letters come out on Nissan headed paper. Mobilize are trying to charge me for a missed service ( I had one service) despite fact I didnt have the car two years. They also claim for some damage on the paint work which is microscopic and not more than wear and tear. Like the reviewer above the miles on a car is what keeps a cars value and they very well know this. In fact low mileage adds thousands to a car. As such, it is obvious this is a money making scam with Nissan and some car manufacturers are complicit by working alongside Mobilize as their financiers - especially knowing all the critiques & complaints about them. This means the car companies dont care about customers of their car brand.

Someone took out a car agreement using my address — even though I had nothing to do with it. I reported this issue to the company multiple times over several years. Each time, they assured me it would be resolved, but nothing changed. Eventually, I received a letter thanking me for the “final payment,” which suggests the matter may have finally closed — though no one ever confirmed that to me.

What’s worse, the company repeatedly sent me this person’s bank details, including sensitive financial information, to my home address. This is a serious breach of privacy and shows a complete lack of customer protection. The lack of communication, ineffective action, and years of stress caused by someone else’s contract tied to my home address were unacceptable. I do not recommend this company.

Bought a Renault Zoe in August 2022. In March 2025 it broke down and was Towed to a dealer. Nothing happened on the repair for 3 months. In june 2025 I was told that the part would arrive in October 2025. I asked to terminate the contract. I have an email from mobilize saying they would do that. Despite repeated requests, at the time of writing (October 2025) Mobilize have still not terminated the contract and are putting non payment entries on my credit file. Do not use this company! I have filed complaints and spoken to managers. Still no resolution.

This company are a complete joke. I returned my car under the voluntary termination provision. They at first ignored this request. When I told them this was illegal they agreed but then presented a ridiculous list of 'charges' levied against me. Although the law is grey on whether any such charges are legal, I was willing to pay for legitmate damage that went beyond 'reasonable condition'. It took weeks for them to respond, they constantly harrassed with phone calls when I said I would not respond this way, would not directly answer my queries or justify their charges. When I raised a complaint they backed down somewhat but still would not address everything properly, and for want of a £29 excess mileage charge they sent a final communication on my complaint. I referred it to the Financial Ombudsman (also useless) and they initially denied I had raised a complaint until they were sent evidence of their email! I have finally resolved it out of pure exhaustion after 4 months but not to my satisfaction. Throughout they did't address me by name, didn't apologise for problems, sent standard emals and didn't seem to know what they had sent me or what they had said. Completely incomptent. If you are buying a Renault I would STRONGLY advise against using their own finance. Take a loan elsewhere, but I never want to have to deal with this shower ever again

We struggled to pay our monthly payment and missed 3 months of repayment. Mobolize threatened to take us to court so we returned the car to them, which was then sold at an auction. Our total balance was £10,000 and after sales we were left with £4,300. We offered to make reasonable monthly payments towards our debt, sent a letter explaining our situation and my mental health crises which had worsened because of the situation to be completely ignored and rejected. We are now facing a court order.

PLEASE AVOID THIS COMPANY. For your own sake and sanity. They have no sympathy or compassion. Totally robotic never seen anything like it before.

I spoke to a lady called Tashneema Hendricks based in Customer service. I had to ask her name 6 times before she give it. She disconnected the call as I was speaking. She spoke over me multiple times. She made me very angry how she was speaking to me as if I was stupid. She expected me to carry a vehicle on an extra year for £1000 when I am currently paying £269. Awful customer service skills and hanging up on a talking client. I hope these calls are recorded.

Where do I even begin with the appalling experience I've had with Mobilize Financial Services (Nissan Finance)? If you value fairness, common sense, or customer service that involves actual human reasoning, I strongly advise you to look elsewhere. Dealing with this company feels like arguing with a poorly programmed robot that can only repeat one line: "It's policy."

Here are the facts: I returned my Nissan Qashqai at the end of a three-year lease.

My mileage allowance was 18,000 miles. I returned the car with just over 5,000 miles. That's nearly 13,000 miles under the limit.

Their own appointed inspection agent (Manheim) inspected the car and awarded it the highest possible grade: A1. He officially reported it as being in immaculate, showroom condition with not a single fault.

You would think they would be delighted to receive a car in perfect condition with such low mileage, which massively increases its resale value for them. But no. Instead, they sent me a final bill for £210 for a "missed service."

I have spent weeks trying to reason with them, presenting them with their own A1 inspection report as irrefutable proof that the car's condition is perfect. I pointed out that based on their own excess mileage charge of 8p per mile, I have effectively handed them back an asset worth over £1,000 more than they were entitled to expect.

Their response? A series of copy-paste emails completely ignoring every piece of evidence. It is impossible to have a rational conversation. They just repeat that servicing is required every 12 months "regardless of vehicle condition or mileage." It's a shocking lack of commercial sense and basic fairness. They are happy to financially benefit from my meticulous care of the vehicle, but refuse to apply any discretion whatsoever.

This company is the definition of unreasonable. They hide behind rigid, nonsensical policies and their customer service teams are clearly empowered only to send out template responses, not to listen or apply logic.

I have refused to pay this unjust charge and am now escalating my case to the Financial Ombudsman. Do not be fooled by the glossy marketing; this company's end-of-contract process is designed to extract money from you without any regard for fairness or the facts. Avoid, avoid, avoid.

I had to voluntary terminate my contract they tell you after you have had the car half the term you can voluntary terminate and that would be that, however I was given a £1500 bill for the remaining balance as I hadn’t paid half the term, even though I had my car for nearly 3 years and it was a 4 year contract. Anyways… I accepted this bill as not sure what else I could do, don’t get me started on the inspection, an extra £400 they added onto this bill, saying I didn’t have full service history for the full 9 year the car has been around… even though I had the full service history for the time I had the car. It took MONTHS for them to send me the invoice baring in mine during this time they had already SOLD THE CAR WITH OUTSTANDING FINANCE! I did question this however again do not understand anything and went with it, I disputed the first invoice and managed to save £210… still my outstanding bill has went to £1700+ .. I asked for a new invoice to be sent. This invoice was never sent, weeks had past, in the meantime I’m receiving letters to pay and phone calls to pay, I rang up again asking for this invoice, they said they will send it through email. I tried to pay this invoice through credit card but declined twice, I had to move money around and pay fee’s for transferring credit card money to my bank, only way I could pay it! Went to pay the money then my account got locked and I had to ring the fraud team! They eventually opened my account again and told me to make sure that the bank details were legit and correct, funny enough.. TWO completely different bank details from the first letter to the email!!! I rang at this point, they told me I needed to ring the customer service line… they apologised.. I know it’s not their fault but this has been ongoing for months and it’s extremely stressful when it shouldn’t be! He then gives me ANOTHER bank details, that’s THREE completely different bank details! Who am I sending this money too?????? It’s been nothing but hassle and unnecessary stress and I would advise if you are getting a car on finance make sure it’s NOT with this company, you learn from your mistakes unfortunately. I am STILL waiting for this new invoice to be posted…wish me luck

The service from Mobilize Financial Services was uniformly abysmal. There was no sympathy with or understanding of our situation. Our car, a Dacia Duster, suffered a catastrophic engine failure after only three years (and 31,000 miles), yet because we had gone just over our warranty MFS decided to throw the rule book at us and insist on the letter of the agreement (in this case a hire purchase agreement) instead of honouring its spirit. As it happens, their hard line goes against key tenets of trading standards in the UK. One can reasonably expect a brand new car to last more than 3 years. If it doesn't, one can reasonably expect assistance and be offered a termination of the agreement. Instead, we have had to continue paying monthly instalments of £222.94 for a car we can't use, nor can we give the car back while it is unusable (the new engine it requires will cost over £10,000). Once the monthly instalments end in six months' time, we are liable for a further one-off payment of almost £7,000. Because we live in a rural area, we have now had to spend thousands on rental cars and taxis and the resulting financial stress threatens to bankrupt us. Both my wife and I have suffered anxiety as a consequence of the situation and our stress has affected our two-year-old daughter as well. Not once has Mobilize offered to provide a courtesy car or any kind of assistance. They have not even allowed us a voluntary termination of our agreement. (Indeed it took them 14 weeks from the start of our complaint to tell us formally that they were not going to help us in any way.) Their one and only concern throughout this whole sorry affair has been the money coming from our bank account into theirs. Indeed, we have been warned that our credit rating is at risk if we stop our monthly payments. We have now appealed to the Financial Ombudsman and, if that yields nothing, we shall have to take the case to law. Shame on Mobilize Financial Services. They should remove the word 'service' from their title until they have learnt what it means. The fact that Renault and Dacia use Mobilize makes those companies untrustworthy too in my book.