We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

The MSE Forum Team would like to wish you all a Merry Christmas. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!

Alphera car finance overpayments

mikeopvc
mikeopvc Posts: 912 Forumite
Part of the Furniture 500 Posts Combo Breaker
Hello and Happy New Year to all:)

I have a question about our car finance.

We changed our car recently and got a new finance deal with the new car, The finance is with Alphera. I want to make regular overpayments on the agreement and set up a standing order for a small amount to be paid every week or month but when I called to enquire I was told that it's not possible to do this, Our last agreement was with Black Horse and it was really easy to make payments etc. You could log in online and view all the info and request settlement figures etc. Alphera say I can only make lump sum payments and will need to ring up every time to get a quote and also to tell them where to allocate the payment.
I checked online and their website seems to contradict this, It says:

How can I make payments on my agreement?

Direct Debit: Please contact us on 0370 5050 125 and request a Direct Debit Mandate Form. Please be advised that we will need to ask for additional information if the bank account is not in your name.

Card Payment: We accept the following cards with no additional fee to you – Solo, Switch, Maestro, Visa Electron, Visa Debit, Visa, Mastercard, American Express. To make a payment, please call us on 0370 5050 125. You will need your finance agreement number to hand.

Bank Transfer: Please call us on 0370 5050 125 and we will provide you with the correct bank details to set up the transfer.

Standing Order: Please call us on 0370 5050 125 and we will provide you with our bank details and the instruction document you will need to complete and provide to your bank.

Cheque: Please make all cheques payable to ALPHERA Financial Services, quoting your agreement number on the back of the cheque. Cheques should be sent to ALPHERA Financial Services, The Accounts Department, Europa House, Bartley Way, Hook, Hampshire, RG27 9UF.


Should I just take her word for it or try ringing again and speaking to another person?

Thanks
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.9K Banking & Borrowing
  • 253.9K Reduce Debt & Boost Income
  • 454.7K Spending & Discounts
  • 246K Work, Benefits & Business
  • 602.1K Mortgages, Homes & Bills
  • 177.8K Life & Family
  • 259.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.