First Response Car Finance - experiences?

kenh11

Evening.

I'm looking at getting a car through finance, and the garage uses 'First Response' who I've never heard of before.

They are planning on calling me back on Monday to discuss the application, but reviews I've seen so far have varied wildly from extremely bad to very good.

Has anybody here dealt with them or had car finance with them?

Thanks.

jonesMUFCforever

What is YOUR credit score like?
What do YOU earn and how much do YOU have left over each month to repay ANY loan?

If you have a great credit file then your choices from mainstream lenders is a lot better than finance from a company I have never heard of.

kenh11

As per first post; I am requesting experiences, opinions and reviews of the finance company First Response directly from members as opposed to veering off on a tangent.

forgotmyname

If they are the last resort then you dont have a choice.

Its like choosing. Should i cut my legs off with a rusty saw and die a slow painful death, Or should i put my legs in the mincer and die a slow painful death.

39.9% APR.. Sorry but you must be mad. Take £200 down to the auction and buy something with some TAX and MOT.
When it breaks take the bits off that sell well on ebay and weigh the car in. Get £100 ish back. Goto auction and repeat whilst you sell the bits and may even make a profit.

Ask my sister what happens when you miss a payment... OMG...

Just dont go there.

There are some cheap rusty saws on ebay, That experience will be less painful.

tell_it_how_it_is

Let's be honest, the likelihood of getting a few replies from First Response customers is low, and even from one is remote.

You need to analyse the bad reviews you have read and decide whether they suggest awkward unreasonable customer, or poor service from the company.

I did a quick search myself and saw one where the latter was the case, which would be enough to make my mind up.

Well, that, the fact they are not mainstream and I'd never heard of them, and, I imagine it's safe to presume, an APR of over 10%.

Apples2

DCFC79 wrote: »

Im sure i replied to this thread and the reply has been removed yet there was nothing wrong with it.

I guess nobody is telling Ken what he wants to hear...

Ken, from their website
http://www.firstresponsefinance.co.uk/car-finance

Representative 39.3% APR

Sounds like an absolute steal mate. You won't find too many fantastic deals like that around at the moment, go for it and enjoy years of trouble free cheap motoring. :beer::beer:



There may be trooouble ahheeeaaad
But while there's motors and suckers and debt and defaults
Let's face the dealer and dance ..

Peelerfart

I've just looked on their website and "Mr Ibbertson" is very pleased with them.

A few more quotes from happy customers and not a single one from unhappy punters.

[Deleted User]

I used them a couple of years ago and just paid off the loan in June of this year. Yes, the APR was high but paying the car off over 2 years wasnt too bad in the end. I liked the fact you can buy a car from pretty much any dealer so at least you arent conned into paying for an overpriced car as well as expensive finance.

Im sure if you miss a payment they will be all over you but as i didnt i cant tell you what they were like regarding that!

kenh11

Well due to my own gut instinct, some research on some helpful websites and forums, and of course the absolute wealth of helpful information from the posters above which has clearly been well thought out and concisely answers the questions I have asked without deviating into complete rambling nonsense, I have told the company where to go and suggested to the garage that they expand which finance companies they deal with, which may be difficult as they are 'sponsored' by First Response.

In any case, thanks again for all the absolutely fantastic help and advice.

Thank God for you lot, a credit to this forum :beer:

camelot1971 wrote: »

I used them a couple of years ago and just paid off the loan in June of this year. Yes, the APR was high but paying the car off over 2 years wasnt too bad in the end. I liked the fact you can buy a car from pretty much any dealer so at least you arent conned into paying for an overpriced car as well as expensive finance.

Im sure if you miss a payment they will be all over you but as i didnt i cant tell you what they were like regarding that!

Camelot I salute you, an actual reply to the actual question.

Thanks mate.

tell_it_how_it_is

Thereby, in effect admitting that pretty much all the advice posted on this thread - however it actually came across - was indeed sound.

I guess all should take your post containing your decision as a backhanded compliment, so you're very welcome.

BugsyBrowne

kenh11 wrote: »

Sarcasm is unfortunately lost on some.

Cheerio :wave:

Go to (motonovo)Carlyle finance website and check if theirs any garages around your area who they use as these can be very competitive.

I know Carlyle finance are but they'e now been took over from motonovo finance so not 100% if the rates have changed.