Vcfsuk Reviews 12

In 2021 I took out a lease on a new Volvo XC40. Within a very short period the vehicle developed significant mechanical issues. Basically leaking oil to such a degree that the tank would empty in the space if one long journey. This caused significant anxiety, confidence issues not to mention the significant cost of me having to Purchase large amounts of oil !
It also leaked oil on a newly laid driveway causing serious damage.The first period of maintenance took several weeks & after much testing I was informed the Turbo was being replaced. On return, the issue continued & was definitely NOT resolved ! Our confidence in the vehicle was very low & yet more costs of replacing oil were incurred ! A further period of maintenance resulted in the vehicles breathing system being replaced again meaning a vehicle we were paying for not being available for our use ? The vehicle was again returned but once again, the issue of oil loss continued ! Our confidence in the vehicle was zero. I actually carried oil in a canister on every journey ! A further significant period of testing took place and we were informed the vehicle required a new engine. At 22k miles of constant issues the car was again absent for a significant period.To be fair, after the new engine was installed the issue stopped but it took almost 3yrs of constant issues & lengthy unsuccessful maintenance before we reached This point !
At the beginning of March 2026 the vehicle lease expired.The collection inspection was completed & the vehicle was collected.At that time, the vehicle was in immaculate condition for a 5yr old car. It was cleaned and maintained to a high standard. Internally, I looked like a new car with the rear seats barely used and the ash tray and litter receptacle having never been used ! A month after collection, I received a damage invoice for £285. The costs were for slight corrosion on the two rear alloys which consisted of slight blebbing, a scratch on the rear bumper moulding & an incomplete service history ? This is on a 5yr old vehicle but was not considered “fair wear & tear?” In relation to the servicing,I ensured the vehicle was serviced by the Volvo dealership throughout the first 4rs to maintain Warranties.On the final year,with no warranties in force,I used a local garage to service & MOT-the vehicle one month before the car was returned. I paid for a fully MOT’d & serviced car by an authorised garage was returned yet I was invoiced £100 for failing to have the vehicle serviced at Volvo in year 5 ! Volvo financial services deducted £150 “fair wear & tear” but are still demanding £135 for vehicle damage & service issues ! Few 5yr old vehicles will have been returned in better condition! Despite being beset with major issues on numerous occasions during our ownership of the vehicle, we did not receive a penny in compensation or payment reductions during many lengthy periods of maintenance. I would estimate I paid over £150 to replace lost oil & carried a canister of oil everywhere we travelled ! We also paid the lease fees every month without fail amounting to thousands of pounds.A month after I returned the vehicle,Volvo financial services also sent me a invoice for £54 in road tax charges ! I emailed them informing them I had returned the vehicle a month earlier but received no reply. Our whole experience with Volvo was disappointing to say the least.The quality of the vehicle we leased based on a reputation for reliability was appalling ! However, the service in terms of customer care was far worse ! This final issue, literally penny pinching, demanding £135 was the final insult ! They offered zero recompense for everything we endured but demanded more money from us for issues which wouldnt even classify as Minor ! The whole process has left a bad taste & their customer care/ service has been extremely poor.I would not consider taking out a lease with Volvo financial services again based on this experience.

Two hours of my life, gone, just to get a settlement figure opened—password protected and opaque the entire way. Even Volvo Financial Services couldn’t crack it, despite multiple calls. The process felt needlessly convoluted, with vague instructions and endless waiting on hold. Information was scattered, updates sporadic, and no one owned the issue. By the time I finally accessed the figure, I’d wasted valuable time and endured mounting frustration. This mismanaged, opaque system makes me reluctant to trust the provider again. Highly disappointing—reliability and transparency are seriously lacking.

I wish I could give negative rating, because 1 star is far too much for VCFS.

I had a pcp with VCFS that I transferred to another company The new company paid the settlement in full. VCFS confirmed in writing they have no financial interest in my car, however 3 months later VCFS took a balloon payment, of over £20k from my account. A month and a half later and tons of lies, they're still refusing to refund me.

Their customer service and complains teams are rubbish and not worth a penny. They admitted it was VCFS mistake when i rang the 1st time. Since then they never email or call back. Daily I have to phone and email asking for updates, when they run out of lies nonsense excuses on the phone they just put the phone down on you.

Please avoid at all costs. They will likely impact on your own health and sanity!

I had a faulty Volvo that was rejected to this finance company who themselves collected the car 8 months ago.

Since this time they have kept over £20K of my money, sold the car on for profit, kept that profit, kept my refund and kept on my credit file i owe them money.

The financial ombudsman found in my favour on the points raised and even though the decision is legally binding on Volvo car financial services they have not complied and are over 4 days beyond the binding date and silence.
It will have to go through the courts to enforce a decision that is already legally binding on them.

PLEASE: if you must own a Volvo don’t finance it with these. Any business that knowingly ignores legally binding decisions do not care about customers.
Imagine not owning the car, seeing it collected, seeing it sold on auto trader, having no refund, seeing it on your credit file, having legally binding decision ignored. It could be you next!

This is by far the worst financial services company I’ve ever dealt with.

I contacted Volvo Finance in advance to understand the best way to handle a private sale of my car and settle the outstanding finance. During the call, the advisor told me that the buyer could simply transfer the funds directly to Volvo Finance via bank transfer and that we would receive confirmation straight away once the payment was made.

However, after the transfer was sent, I was later told that it would actually take 2–3 working days for them to confirm receipt. This was never mentioned during the phone call, nor is it stated on the Volvo Finance website where they provide the bank details for making a payment.

After waiting two days, we then discovered through the third party buyer that the payment had been rejected and returned. When we immediately called Volvo Finance to resolve the issue, no one could explain why the payment had been rejected or provide any clear guidance.

At that point, we asked for reassurance that if we paid the balance over the phone instead, we would receive immediate confirmation that the finance had been settled. Shockingly, nobody was willing to commit to that either.

Eventually we proceeded with the payment over the phone after being told that written confirmation could be provided straight away. But once the payment had been made, we were then told that Volvo Finance had no way to provide written confirmation that the payment had been received or that the finance had been settled — despite spending several minutes confirming all of my contact details. After significant pushback from our side, they eventually agreed to send a text message confirming settlement, which should have been a basic and immediate step.

The overall customer service from this company is extremely poor. I spent the equivalent of an entire working day trying to resolve these issues, largely because the company was not forthcoming with clear information and repeatedly gave inconsistent advice. What should have been a straightforward process became unnecessarily stressful and time-consuming.

I will never use an Santander financial services (including Volvo Financial Services) again after this experience and would urge others to explore other options to avoid future stress.

Couldn’t answer a simple question about when I could pay my finance off and still keep my Selekt warranty. Pointed me back to the dealer, who had kept giving me a different answer depending on the salesperson, which is why I went direct to Volvo financial services. Awful, sadly like anything to do with Volvo these days.

Vcfsuk website has been down for at least two days. It is replaced by the DNS host generic page, wpengine . com/support/point-domain/
So I assume they have abandoned it, which is rather worrying.

Useless.

I’m trying to sort out settlement of my agreement after my car was written off. Insurance company have sent the money and I’m waiting for VCFS to acknowledge this, while also trying to get a new car sorted.

I sent them proof of payment from the insurers multiple times. Then finally today I had an email saying they’ve received the funds and they no longer have an interest in the vehicle. I thought it was all sorted. Called VCFS to confirm. They said they never sent such an email (I confirmed that they definitely did) and that they hadn’t received the funds.

I’m not allowed to speak to anybody in the mysterious “finance team” they keep referring to because it’s an “internal department”. So I’m using these completely useless intermediaries who - guess what - have zero access to the customer services email address that we send information to, because “emails are a different department”!

It’s like an Ianucci satire. You just could not make it up.

The common adage around booze-ups and breweries comes to mind.

Volvo Financial Services What do we think based on recent experiences.
Firstly Volvo
Volvo, in the context of automobiles, primarily represents safety, durability, and Swedish heritage local dealers have been in business for over 50 years Trust and Confidence
In March 2025 I purchased a Polestar 2 from one of Polestar approved dealerships.
Bells Motor Group Volvo Bedford
Road test and purchasing the car positive experience.
A number of months down the road the glitches started to appear.
Taking it to the local Bells Motor Group Northampton dealership your met with negativity We don't do Polestar here it's Volvo we deal with.
The months go by tolerating the glitches including a very over sensitive electric boot that has a mind of its own learning to be mindful when removing the charging cables from the boot.
Yes the boot comes crashing down if you're not careful on to the back of your head.
Taking the car into the local dealership they take the easy option and disconnect the sensor But it might invalidate warranty.
I then contacted Volvo Financial Services.
What an appalling experience.
Rude Abnoxious Condescending and extremely unprofessional with Zero Empathy or Understanding.
Do as you are told take it back to the supplying dealership despite seeking advice from Polestar who arranged the car to go elsewhere. Marshalls Volvo Milton Keynes.
No you can't do that It has to go to the supplying dealership.
Even though the car isn't going into the dealership until late August the finance company have closed my complaint.
If I knew then what I now would I have purchased the car from Volvo using their financial services.
Absolutely Not.
I should have purchased the car directly from Polestar.
My advice is if you are considering purchasing a Polestar buy directly from Polestar, not a Volvo dealership.
It's not a Volvo the cars are very different. The support I've received locally from Bells Motor Group Volvo in Northampton can only be described as mediocre the Bedford dealership sold me the car in my perception that's were their responsibility ends they are not interested.
The financial services can only be described as very poor and needs improvement.
I'm considering making a complaint to the financial conduct authority making them aware of shocking bad could not careless attitude and service
At the end of the day Volvo Financial Services are representing Volvo as a brand in my experience it's nothing but unprofessional and disappointing.

VCFS failed to correctly allocate a settlement payment made by the dealership after I sold my Volvo XC60 T8. This resulted in a false late payment being recorded on my credit file — despite me never missing a payment.

I received debt collection letters while abroad, and the issue caused significant stress and credit score damage. It took nearly two months and multiple escalations before VCFS acknowledged the error and corrected my credit record.

To their credit, VCFS eventually admitted fault, fixed the issue, and offered a goodwill gesture. While I appreciate the resolution, the mishandling should never have happened in the first place.

Unfortunately they have not been helpful in assisting with me new PCP contract, unwilling to work with me on a small mileage adjustment in the first 2 weeks of my contract due to a change to my work location. I absolutely love the car and purchased it due to my new employment but now find myself stressed at the prospect of additional fees becasue Volvo are unwilling to make a small change change right after I purchased the car which I think is unfair and shows they clearly want their customers to make these kind of mistakes. By the time I was told abtruptly "nothing we can do", I was then unable to return the car as the window had past. Very poor customer satisfaction.

Having sold my 2022 volvo xc90 to a dealership, they made payment to volvo finance to clear the outstanding amount, this was done online with a settlement amount qouted by vcfrs and paid within the specified period.
I then recieved a collections letter 1 month later threatening me for the next overdue payment.
When I tried to speak to them to point out thier error, I was talked down, not allowed to speak they (Charlotte) not the only person I tried to speak to, particularly would only talk over me and eventually put the phone down. I have suffered a Pontins TIA (bleed on the brain) and struggle with communication as well as some problems with locked in syndrome and constant headaches, I tried to explain this at the start of every call but it made no differance. They would not accept it was an error on thier part and blamed the dealership or myself as a debtor, having seen the payment proof I know it was not.
My wife eventually had to try although she succeeded in getting the information across, there was still no acceptance of fault and she still had difficulty, I had provided all the proof of payment as required but we were still treated as though we were guilty of being debtors. They would not send out any letter confirming I did not owe the money all the letters I did recieved were to say the least insulting and threatening even when I eventually recieved an end of agreement letter it still warned me about recalled payments and not well written.
I should point out that the dealership told me this has happened before to customers, payments which are not linked to the correct account and put in suspense acc, vcfrs then blame dealer and customer for not settling.
They at no point have accepted responsibility for thier error or apolagised and have continued to treat me as being the cause of the problem never recieved an apology.
I will never buy another Volvo again after this or use Santander bank or Finance services, they are a total disgrace.
Santander who provide the financing facility really need to review how they deal with customers as well as thier internal procedures and practices along with formatting of thier letters.
It was an awful experience, an apology would have been nice, so beware don't get involved with them.