First Response Finance Ltd Financial Service in Paisley

Reviews

1. Daniel Swales ★☆☆☆☆

   I exercised my legal right to voluntarily terminate my Hire Purchase agreement with First Response Finance. The vehicle was collected on 07/10/2025, and my remaining balance was cleared in full beforehand. Despite this, they’re refusing to confirm my account as settled — claiming they must wait until the car is sold at auction. This directly breaches the Consumer Credit Act 1974, which clearly states that once a voluntary termination is completed correctly, the customer owes nothing beyond fair wear and tear. Because of this unlawful delay, I’m now unable to secure a new finance agreement, causing real financial hardship. I’ve called several times, asked for supervisors, and tried escalating the issue, only to be refused and misled. Their behaviour is unacceptable — a regulated lender should know and follow the law. I’ve now escalated this to their Complaints and Operational Risk departments and will be taking it to the Financial Ombudsman. Be warned: if you ever try to end your finance agreement with First Response legally, they’ll make it as difficult as possible, even when you’ve done everything right.

   almost 10 months ago
2. marion sharp ★☆☆☆☆

   This company is a total joke went to dealership picked a vehicle going to go back through first response and they come away with excuses the whole time stating car not valued as what it is being sold for on forecourt really they have never saw the vehicle so how the hell do they know wished now I had never heard of them cannot wait to get rid of them DO NOT USE AT ANY COST

   1 year ago
3. Andrew Gray ★★★★★

   I had a vehicle on finance from first response finance and I had it a little over a year and a half, loved the car but unfortunately due to changing disability problems I was finding it harder and harder to drive the car being a manual gear box, I contacted first response finance and told them the problems I was having and they helped me terminate the agreement on the car, they picked the car up and sorted everything out for me, they then financed a new car for me with automatic gears and much better suited to my needs, first response finance done everything for me from start to finish, they called to make sure the vehicle was going to be 100% suitable for me and to ensure I was happy with my payment that I could afford the payments without getting into financial hardship, they then dealt directly with the dealership and organised all the paperwork and completed everything for me, they kept me well informed and updated me throwout the whole process, every single person I dealt with at first response finance has been fantastic, they have been very helpful and sympathetic and caring throwout, and I could not have ever had such a fantastic experience as I have had with first response finance from the very start of getting my first car threw them right up to present, I love first response finance and all the staff are fantastic I will deal with first response finance over and over again I would never dream of going anywhere else, I honestly can't thank them enough and I recommend them to everyone and I will continue to recommend them, sorry for the long winded babbling but I really can't praise them enough they have given me my freedom back and made it such an easy process all the way through, thankyou all at first response finance your my heroes, Andrew gray one very very happy customer

   1 year ago

1. Thomas Mcquillan ★★☆☆☆

   Iv used this company for years although paid off all my finance in record timing , their policy won’t let me take a personal loan , or buy a bike for pre passing my test! Even though iv paid most of my finance off , the agents are great on the phone and easy to talk to. But their policy legislation is so bad , I didn’t mind paying there massive apr rates , because I needed that my credit score to go up

   almost 2 years ago
2. Sarah Stevenson ★★★☆☆

   Been with First Response for 10+ yrs. I have had loans and car finance also. Never missed a payment excellent account i have. I was very disappointed to be refused car finance this time. They stated I had to pass my test have full licence? I have always had a named driver on my car insurance so i can legally drive so I cannot understand this rule.

   almost 3 years ago
3. steven parker ★★★★★

   Staff very exceptional nothing is a problem they make you feel at ease and if you not sure about something they are only too happy to listen and and help

   almost 3 years ago

1. Miriam Ali ★☆☆☆☆

   So so disappointed in this companies response when there is a problem. Have left me with nothing but problems and messed up my finance and credit . I rejected the vehicle in October and since then we’re happy for me to be billed for everything. Offered £150 as compensation when I refused was told that if I didn’t accept it then then would have to rethink about renewing the finance ie tried to blackmail me when I reacted angrily they have messed up my account kept my money and messed up my finance will be taking them to the financial ombudsman and taking to court for discrimination under the mental health act as the adverse impact this has had on my health is not acceptable Updated This company is being taking to the ombudsman because of the damage they have done and the liars they have told they have also hid all calls with the actual complaint handler of the case called Hannah M and then have the nerve to say they aren’t doing anything wrong if that’s the case why hide the final response call from Hannah M

   almost 3 years ago
2. Colin Day ★★★★★

   1st class service very helpful now arranging 4th car via 1st responce

   almost 3 years ago
3. P.D ★★★★★

   My credit is bad and I couldn't get finance elsewhere, I tried first response and I was approved that day, I found the car I was after and I went to see it, agreed a price with the dealer and then spoke to an agent called Alan who helped me the whole way threw, within a couple of day my new cars sitting at my door, I would definitely recommend this company if you have credit issues.

   almost 3 years ago

1. Robert Frew ★★★★★

   Great company and very professional. I arranged my car finance through the company and the rate was good . Also while trying to buy a car in the middle of a pandemic last year . While other finance companies were not very helpful. I can highly recommend them

   almost 5 years ago

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