FC
Ford Credit
Unclaimed Business
FC
Ford Credit
Unclaimed Business
6 Reviews (last 12 months)
Does not respond to reviews
Performance(last 12 months):
TrustIndex
0
Ranking
#69
in Financial Services
NPS Score
-100
Recommended: Unlikely
Review Distribution
1|6 Reviews
May '25 - Apr '26
5(0%)
4(0%)
3(0%)
2(0%)
1(100%)
5(0%)
4(0%)
3(0%)
2(0%)
1(100%)
Frequently Asked Questions About Ford Credit
Ford Credit has a TrustIndex of 0 out of 10 on Hellopeter, based on 6 reviews in the last 12 months. Hellopeter has tracked Ford Credit across 134 total reviews. How is the TrustIndex calculated? →
Recent reviews (6)
Used this business recently? Share your experience to help others decide.
Used this business recently? Share your experience to help others decide.
Share Your ExperienceAV
Albert V
1 reviews | Active since Jan 2020
6 Feb 2026, 09:51
Title: Financed Vehicle, No Support When It Becomes Immobilised
I am extremely disappointed with Ford Credit’s response when I contacted them regarding a serious dispute involving a vehicle they finance. My Ford Ranger, which was serviced by a Ford dealership, became immobilised shortly thereafter following a mechanical failure. The matter is now the subject of a formal dispute with the dealership and has been escalated to the Motor Industry Ombudsman of South Africa (MIOSA). Despite the fact that the vehicle remains Ford Credit’s asset until fully paid, I was advised that they are unable to assist in any way, as the matter is considered a service-related issue. No guidance, intervention, or support was offered, even though this situation places their financed asset at risk and leaves me continuing to pay for a vehicle I cannot use. While I understand the legal separation between finance and repairs, the complete lack of interest or accountability shown by Ford Credit in a situation like this is deeply disappointing. Customers reasonably expect some level of support when a financed vehicle is off the road due to an unresolved and ongoing dispute. I believe this is an area where Ford Credit seriously needs to reconsider how it supports its customers in real-world situations.
Helpful (0)
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Albert V
1 reviews | Active since Jan 2020
6 Feb 2026, 09:51
Title: Financed Vehicle, No Support When It Becomes Immobilised
I am extremely disappointed with Ford Credit’s response when I contacted them regarding a serious dispute involving a vehicle they finance. My Ford Ranger, which was serviced by a Ford dealership, became immobilised shortly thereafter following a mechanical failure. The matter is now the subject of a formal dispute with the dealership and has been escalated to the Motor Industry Ombudsman of South Africa (MIOSA). Despite the fact that the vehicle remains Ford Credit’s asset until fully paid, I was advised that they are unable to assist in any way, as the matter is considered a service-related issue. No guidance, intervention, or support was offered, even though this situation places their financed asset at risk and leaves me continuing to pay for a vehicle I cannot use. While I understand the legal separation between finance and repairs, the complete lack of interest or accountability shown by Ford Credit in a situation like this is deeply disappointing. Customers reasonably expect some level of support when a financed vehicle is off the road due to an unresolved and ongoing dispute. I believe this is an area where Ford Credit seriously needs to reconsider how it supports its customers in real-world situations.
0
Replies (0)SG
Shaun G
1 reviews | Active since Jan 2020
26 Jan 2026, 15:19
Do what you say you are going to do!
Your service is shocking. I have opted-in on the "1-Month Skip Payment Relief Letter" which YOU offered me. And after opting in, no feedback and indeed the payment went off today! Then after contacting you on the 0860 669 669 number you provided, I was told by Siboniso Khumalo in CUSTOMER SERVICE that I need to call in tomorrow and get someone else to assist me. So really!?! - YOU make me an offer - which YOU do not honour - and then your CUSTOMER SERVICE cannot help - this at MY time and expense Please do not waste people's time if you have no interest in doing what you say you are going to do. This is ridiculous.
Helpful (0)
|Replies (0)SG
Shaun G
1 reviews | Active since Jan 2020
26 Jan 2026, 15:19
Do what you say you are going to do!
Your service is shocking. I have opted-in on the "1-Month Skip Payment Relief Letter" which YOU offered me. And after opting in, no feedback and indeed the payment went off today! Then after contacting you on the 0860 669 669 number you provided, I was told by Siboniso Khumalo in CUSTOMER SERVICE that I need to call in tomorrow and get someone else to assist me. So really!?! - YOU make me an offer - which YOU do not honour - and then your CUSTOMER SERVICE cannot help - this at MY time and expense Please do not waste people's time if you have no interest in doing what you say you are going to do. This is ridiculous.
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Replies (0)pN
phumi N
1 reviews | Active since Jan 2020
29 Jul 2025, 07:04
CAPITALISATION
On 17 July, I received a letter from Ford Credit confirming that the arrears on my account would be capitalised. Based on that letter, I understood that everything had been resolved and that no further action was required from my side. However, yesterday I received a call from two agents. I explained the situation to both, and they asked me to send them the very same letter I had received. I initially refused why should I send a letter that was issued by their own company? Surely, they should have it on record. I then contacted Ford Credit directly and was transferred to another call centre, where I spoke to Emihle. She seemed unsure about the letter and even appeared to question whether I had received it at all, which made me feel like I was being accused of lying. I ended up forwarding the letter to her anyway. The letter clearly stated what steps would be taken. Since I agreed with the arrangement, I didn’t send a “NO” response or contact the call centre for anything further. As far as I was concerned, the matter was resolved. Despite this, I was passed from person to person yesterday, which left me feeling embarrassed and frustrated. Then today, I received another call from a different agent—once again asking me to send the same letter I already sent to Emihle yesterday. This entire experience has been deeply disappointing. The letter from Ford Credit clearly stated that the arrears would be capitalised, and I was assured via that letter. So why am I still being contacted and asked for documents your team should already have? CONTENTS OF THE LETTER BELOW Dear MS. NZAMA We hereby notify you that, based on your most recent payment behaviour, we will be restructuring your Ford Credit Account by capitalising the arrear amount and extending the term, to ensure that your repayment amount will not be negatively impacted. Following the restructure, your account will no longer reflect as being in arrears, which will have a positive impact on your credit profile. If you do not want to extend your term, please make a payment of the arrear amount together with the repayment amount due. Call 0860 667 667 to make alternative arrangements, within five business days from the date of this letter. The attached letter includes information on how the restructure will affect your account. Please use your identity number to access the letter. Kind regards The Ford Credit team Ford Credit Account No: **** **4283 We hereby notify you that, based on your most recent payment behaviour, we will be restructuring your Ford Credit Account by capitalising the arrear amount of R1944.89 and extending the term, to ensure that your repayment amount will not be negatively impacted. Following the restructure, your account will no longer reflect as being in arrears, which will have a positive impact on your credit profile. If you do not want to extend your term, please reply with 'No' to this email within five business days from the date of this letter and make a payment of the arrear amount of R1944.89 prior to, or together with the repayment amount of R5878.87 due on 27-Jul-25. Alternatively, please contact 0860 667 667 to make arrangements. The restructure will have the following effect on your account: Outstanding balance after restructure R196717.52 Instalment amount before restructure (including service/admin fee) R5878.87 Instalment amount after restructure (including service/admin fee) R5 482.17 Interest rate 18.11% Remaining number of instalments before restructure 19 Remaining number of instalments after restructure 20 Total amount of interest aggregated over the total amount of instalments (assuming the interest rate stays the same) R37 357.98 Total amount of instalments remaining R198 458.32 Due date for next instalment 27-Jul-25 Please note the following which will apply to this restructure plan: • The amounts provided above are estimates and may change due to intervening factors, including but not limited to, interest rate changes, the arrear amounts due, early termination of a fixed rate period and any pre-payments you make into your account. We will confirm the changes to your account in writing once this restructure has taken effect. • Your account will be monitored for a period of 6 months after the restructure, during which time the status of the account may affect applications for credit within Ford Credit. You are reminded to continue paying your contractual instalment amount on the 27 of every month to maintain a positive credit profile. Should your account fall into arrears in the future this will result in collections actions which may include legal action being taken.
Helpful (0)
|Replies (0)pN
phumi N
1 reviews | Active since Jan 2020
29 Jul 2025, 07:04
CAPITALISATION
On 17 July, I received a letter from Ford Credit confirming that the arrears on my account would be capitalised. Based on that letter, I understood that everything had been resolved and that no further action was required from my side. However, yesterday I received a call from two agents. I explained the situation to both, and they asked me to send them the very same letter I had received. I initially refused why should I send a letter that was issued by their own company? Surely, they should have it on record. I then contacted Ford Credit directly and was transferred to another call centre, where I spoke to Emihle. She seemed unsure about the letter and even appeared to question whether I had received it at all, which made me feel like I was being accused of lying. I ended up forwarding the letter to her anyway. The letter clearly stated what steps would be taken. Since I agreed with the arrangement, I didn’t send a “NO” response or contact the call centre for anything further. As far as I was concerned, the matter was resolved. Despite this, I was passed from person to person yesterday, which left me feeling embarrassed and frustrated. Then today, I received another call from a different agent—once again asking me to send the same letter I already sent to Emihle yesterday. This entire experience has been deeply disappointing. The letter from Ford Credit clearly stated that the arrears would be capitalised, and I was assured via that letter. So why am I still being contacted and asked for documents your team should already have? CONTENTS OF THE LETTER BELOW Dear MS. NZAMA We hereby notify you that, based on your most recent payment behaviour, we will be restructuring your Ford Credit Account by capitalising the arrear amount and extending the term, to ensure that your repayment amount will not be negatively impacted. Following the restructure, your account will no longer reflect as being in arrears, which will have a positive impact on your credit profile. If you do not want to extend your term, please make a payment of the arrear amount together with the repayment amount due. Call 0860 667 667 to make alternative arrangements, within five business days from the date of this letter. The attached letter includes information on how the restructure will affect your account. Please use your identity number to access the letter. Kind regards The Ford Credit team Ford Credit Account No: **** **4283 We hereby notify you that, based on your most recent payment behaviour, we will be restructuring your Ford Credit Account by capitalising the arrear amount of R1944.89 and extending the term, to ensure that your repayment amount will not be negatively impacted. Following the restructure, your account will no longer reflect as being in arrears, which will have a positive impact on your credit profile. If you do not want to extend your term, please reply with 'No' to this email within five business days from the date of this letter and make a payment of the arrear amount of R1944.89 prior to, or together with the repayment amount of R5878.87 due on 27-Jul-25. Alternatively, please contact 0860 667 667 to make arrangements. The restructure will have the following effect on your account: Outstanding balance after restructure R196717.52 Instalment amount before restructure (including service/admin fee) R5878.87 Instalment amount after restructure (including service/admin fee) R5 482.17 Interest rate 18.11% Remaining number of instalments before restructure 19 Remaining number of instalments after restructure 20 Total amount of interest aggregated over the total amount of instalments (assuming the interest rate stays the same) R37 357.98 Total amount of instalments remaining R198 458.32 Due date for next instalment 27-Jul-25 Please note the following which will apply to this restructure plan: • The amounts provided above are estimates and may change due to intervening factors, including but not limited to, interest rate changes, the arrear amounts due, early termination of a fixed rate period and any pre-payments you make into your account. We will confirm the changes to your account in writing once this restructure has taken effect. • Your account will be monitored for a period of 6 months after the restructure, during which time the status of the account may affect applications for credit within Ford Credit. You are reminded to continue paying your contractual instalment amount on the 27 of every month to maintain a positive credit profile. Should your account fall into arrears in the future this will result in collections actions which may include legal action being taken.
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Replies (0)MM
Maureen M
1 reviews | Active since Jan 2020
1 Jul 2025, 08:58
Ford Credit is sucking me dry...Pls help!!
Good day...I have a complaint about the way Ford Credit is handling my account. I bought a car in June 2021 using their service. In 2023 due to trouble in my finances because of high interest rates at the time...it became hard for me to keep up with rising increase in repayments , therefore I asked for a decrease in repayments or a change to fixed rate which they refused. After that I sort for help in debt relief...a decision I regret to this day! My complaint now is that Ford Credit is still charging me interest as I have noticed that more than half of what I pay still goes towards interest...I have a problem with that because I feel that this is too much. Pls help me make them review my account. Thank u.
Helpful (0)
|Replies (0)MM
Maureen M
1 reviews | Active since Jan 2020
1 Jul 2025, 08:58
Ford Credit is sucking me dry...Pls help!!
Good day...I have a complaint about the way Ford Credit is handling my account. I bought a car in June 2021 using their service. In 2023 due to trouble in my finances because of high interest rates at the time...it became hard for me to keep up with rising increase in repayments , therefore I asked for a decrease in repayments or a change to fixed rate which they refused. After that I sort for help in debt relief...a decision I regret to this day! My complaint now is that Ford Credit is still charging me interest as I have noticed that more than half of what I pay still goes towards interest...I have a problem with that because I feel that this is too much. Pls help me make them review my account. Thank u.
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Replies (0)GP
SC
Sherri-Lyn Corbello
1 reviews | Active since Jan 2020
26 Apr 2025, 10:21
Ford Credit and absa vehicle financing are ****s
After having paid off my car 4 years ago I was told to collect my Natis form. Unbeknownst to me it was the wrong paper work. Now I am trying to sell the car and was told it’s the wrong papers. I have been trying to get the correct papers from them, basically been **** to about it being delivered. I am tired and frustrated and I hate ABSA and Ford Credit with a deep seated passion
Helpful (0)
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Sherri-Lyn Corbello
1 reviews | Active since Jan 2020
26 Apr 2025, 10:21
Ford Credit and absa vehicle financing are ****s
After having paid off my car 4 years ago I was told to collect my Natis form. Unbeknownst to me it was the wrong paper work. Now I am trying to sell the car and was told it’s the wrong papers. I have been trying to get the correct papers from them, basically been **** to about it being delivered. I am tired and frustrated and I hate ABSA and Ford Credit with a deep seated passion
0
Replies (0)MD
Marnia D
1 reviews | Active since Jan 2020
21 Mar 2025, 09:49
SUNDRY ITEMS CHARGES TO THE VALUE OF 50K FOR WHAT???
I went on to debt review in 2023 but purchased my car in Feb 2021 and finance went through ford credit. I wanted to settle my car recently as my company was going to provide me with a company car and came to the realization upon in depth viewing of my statements after I found out that the settlement on my car has only decreased by R50 000 from December 2022. I noticed Sundry item charges added to my statements from the period of November 2021 to February 2023 occurring almost every second month. Some amounts are even as high as R8600 per month the total Value of those amounts are R43658.88 additional when the debt review company took over an additional R59 030.77 was added, that I will take up with the debt review company. Initial purchase of my car was R409 636.74 and interest was R101 285.16. Now as per statement the capital value of my car shows R443 314.87 and interest show R203 974.81. On top of that upon spending an hour and 20min on the phone with a consultant asking what the Sundry items are for he kept on going back to payments missed of which I have proof that the debit orders went off my account and not giving me answers on the the initial Sundry Item question, these payments have not been allocated. I have sent through again all the statements that shows those two payments that the consultant referred to has however gone off. The other two non payments that he referred to was when I joined debt review, which I will also sort out with the debt review company. Most shockingly is when our call initiated with the consultant he said that I was in the green with payments. I want answers on these Sundry item charges and have been waiting two days now just for a simple answer/explanation. This can absolutely not be because of the fluctuating interest rate and inflation for a period of 15 Months, where the interest rate was never more that 9.01% in that period!
Helpful (0)
|Replies (0)MD
Marnia D
1 reviews | Active since Jan 2020
21 Mar 2025, 09:49
SUNDRY ITEMS CHARGES TO THE VALUE OF 50K FOR WHAT???
I went on to debt review in 2023 but purchased my car in Feb 2021 and finance went through ford credit. I wanted to settle my car recently as my company was going to provide me with a company car and came to the realization upon in depth viewing of my statements after I found out that the settlement on my car has only decreased by R50 000 from December 2022. I noticed Sundry item charges added to my statements from the period of November 2021 to February 2023 occurring almost every second month. Some amounts are even as high as R8600 per month the total Value of those amounts are R43658.88 additional when the debt review company took over an additional R59 030.77 was added, that I will take up with the debt review company. Initial purchase of my car was R409 636.74 and interest was R101 285.16. Now as per statement the capital value of my car shows R443 314.87 and interest show R203 974.81. On top of that upon spending an hour and 20min on the phone with a consultant asking what the Sundry items are for he kept on going back to payments missed of which I have proof that the debit orders went off my account and not giving me answers on the the initial Sundry Item question, these payments have not been allocated. I have sent through again all the statements that shows those two payments that the consultant referred to has however gone off. The other two non payments that he referred to was when I joined debt review, which I will also sort out with the debt review company. Most shockingly is when our call initiated with the consultant he said that I was in the green with payments. I want answers on these Sundry item charges and have been waiting two days now just for a simple answer/explanation. This can absolutely not be because of the fluctuating interest rate and inflation for a period of 15 Months, where the interest rate was never more that 9.01% in that period!
0
Replies (0)TM
Tshepo M
1 reviews | Active since Jan 2020
12 Mar 2025, 20:39
Pathetic Service - They will milk you dry
The most oppressive vehicle finance contract to enter into. I bought a Ford EcoSport in March 2018. The car was on residual payment option. I signed a contract to finish paying my car in August 2025 In January 2025, they sent me a revised payment plan which dictates that my last payment will be pushed by six months. It means the last payment will be on the 15th February 2026. I tried communicating with the Motor Ombudsman. I didn't get any response. In these trying times, Ford Credit is the last option I would recommend to anyone. I am still paying as we speak. It is so sad Christy Makinita Rustenburg
Helpful (0)
|Replies (0)TM
Tshepo M
1 reviews | Active since Jan 2020
12 Mar 2025, 20:39
Pathetic Service - They will milk you dry
The most oppressive vehicle finance contract to enter into. I bought a Ford EcoSport in March 2018. The car was on residual payment option. I signed a contract to finish paying my car in August 2025 In January 2025, they sent me a revised payment plan which dictates that my last payment will be pushed by six months. It means the last payment will be on the 15th February 2026. I tried communicating with the Motor Ombudsman. I didn't get any response. In these trying times, Ford Credit is the last option I would recommend to anyone. I am still paying as we speak. It is so sad Christy Makinita Rustenburg
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Replies (0)