Roger Heath Associates

Advantages: None
Disadvantages: High APR, High redeption penalties, Awful Customer Service

...Where do I start with Associates Motor Finance? Front loading of Loans gives a whopping 18.3% apr. Rude and abusive customer service. I tried to get a settlement figure out of the Associates regarding our car loan after they accused us of being two months in arrears despite paying on the dot every month by direct debit. I phoned up numerous times to receive one by fax three hours later. I look through the figures and there was a glaring mistake. I phoned them back to point out the error and ask for a correct settlement figure - all I got was abuse and accusations about calling the customer (dis)service advisor "stupid". I eventually spoke to a supervisor who promised a new (and correct) fax - needless to say a week later this has not arrived. On the original fax I noticed that they were only prepared to give a £20 discount... Read review

Ciao members have rated this review on average helpful

Advantages: Gives you a second chance
Disadvantages: High interest

...For many years I have always had rejection letters from credit card companies, these include, Capital One. Nowadays a credit card is an essential piece of equipment, there is very little you can do without one. As a final act of desperation, I applied for a card through the associates, fully aware that there interest rates were high and well prepared for this. Six weeks later the Card arrived, since then my life has changed. The current interest rate is 28.9% and compared to standard cards this is high but then beggars can't be choosers. I was given a starting credit limit of £500 and this was increased to £1500 three months later fortunately I am in the position that I can pay off my balance monthly and therefore do not incur interest however the downside is that for allcash withdrawals they charge you £5.00 whether it be £10 or £100... Read review

Ciao members have rated this review on average helpful

Advantages: quick fast and you get your money soon
Disadvantages: interest

...About two months ago, I received and advert to apply for an Associates Finance credit card. Well, I did. Within a week, I received a rejection letter. It really bothered me that they sent me an advert and then rejected me but I just let it pass. Right before Christmas I received an invite for a personal loan from our local Associates Finance. I thought well the money will come in handy for Christmas so I thought I would give them a ring on a Thursday evening at 5:00pm. Of course, I really thought they would reject me again but I thought hey, I would give it a try. That very evening, they rang me back and said they could help me and asked me how much I wanted. No collateral or anything. I was shocked. They asked me to bring in some documents on Friday and by that afternoon I would have my money. Sure enough by Friday afternoon at 2... Read review

Ciao members have rated this review on average somewhat helpful