Close Brothers Reviews 

I am so disappointed about CB after 7 years of loyalty never missing a payment or delayed and 2 cars bought (HP and PCP) this Saturday CB declined my new application. I still can't believe, I had positive equity of 7k asking to finance 20k and I was denied. I'll never, never used CB in my life anymore, things happen for reasons in life. Please think before to apply dreaming to build a legacy, for this people you are just a number....!!!! Horrible Horrible...!!! Avoid..!!

My building insurer changed finance company in February 2025 and Close Brothers issued finance agreement in joint names. Everything went fine until my wife passed away in April, then the fun started. I tried to have the policy changed into my sole name, which I thought would be easy but Close Brothers had different ideas, I submitted to them the death ceretificate and copy of the "Will"
Close Brothers claimed that this was an executry matter, which my solicitor and executors stated otherwise and they continued not to accept. They also stated that my wifes "Will" was not valid as it only had one signature on it. The solicitor put it in writing that in Scotland only one signature required. Eventually they had to accept the fact that they were in the wrong. Also sending out letters in my late wife's name which they eventually apologised,
The premiums to Close Brothers were paid from February and after my wifes passing as the bank account that was in joint names had been transferred into my sole name.
By this time the solicitors bill relating to this matter was building up un-nessarily. I set Close Brothers a time limit for completion which they were anable meet. Close Brothers in turn sneekily paid into my account £60 I only noticed this a month later checking my bank statement. Close Brothers stated that this was a compensation payment bringing the matter to a close. I have now informed Close Brothers that I am seeking that the solicitors fees relating to this matter be reimbursed. They are refusing. I have written to them again stating that I am considering taking further action.
Question for Close Brothers, what is the point of joint names on a policy if it leads to this state of affairs. I cancelled the policy and went elsewhere without any problems
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In November 2025 I received the solicitor/executior account and find that legal fees have been applied and taken from the estate. . Wrote to Close Brothers claiming a repayment to which they refused. Close Brothers refused the fact that my late wife's estate was covered by survivorship rules in law which overrides Close Brothers involvement in the executory. This was put in writing to them on 23rd May 2025 which they chose to ignore and refused repayment. The estate was closed in December 2025 so as not to keep the estate open until the matter was resolved. I then went to The Financial Ombudsman Service and my case is going through the process so therefore at present cannot comment on progress.

.................................................................................. Received the Ombudsman decision 10th June 2026
and they found in favour of Close Brothers. They totally ignored the fact as did the Ombudsman that my late wife's estate was governed in law by survivorship rules, which removes it automatically from the estate.

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Close Brothers appear to operate like a call center, unable to deal with the same person, which results in no one taking responsibility for their actions. Can't even speak to a manager. If one writes to a manager, the correspondence given to a subordinate to deal with.

A seamless service , great comunication , Fair and Trustworthy.

We took out a car finance agreement with Close Brothers to purchase a vehicle, but we never actually took possession of the car because the dealership went into administration before the sale was completed.
What followed was an extremely frustrating experience. Close Brothers were very difficult to contact, communication was poor, and it took over two months for them to deal with our complaint. Despite the fact that we never received or owned the vehicle, we were still expected to continue making finance payments throughout this period.
To make matters worse, when I called today to confirm that the finance agreement had finally been cancelled, I was assured that the account had been closed. However, I then discovered that another payment had been taken from our bank account. This directly contradicted what I had been told and has completely undermined my confidence in the company.
The entire process has been stressful, time consuming and poorly handled from start to finish. Based on my experience, I have no trust in Close Brothers and would not consider using them again.

Update: Despite the response from Close Brothers below I still haven't been able to speak to my complaints handler despite phoning on a regular basis. My complaints handler has either been on holiday, out of the office or busy with no one able to speak on her behalf while she is OOO.

Very helpful and listen to my complaints

No hassle. Kept informed at all times. Pleasant, friendly staff on the phone when i had an enquiry.

We used this company for an invoice finance facility as part of a company buyout, and it has been one of the worst business decisions we have made.

The customer relationship and communication have been extremely poor throughout. The facility itself has been a constant source of problems, including delays in releasing non-factored payments, unexplained reductions in funding availability, and ongoing operational issues.

In our experience, the company appears more focused on generating fees than supporting its clients’ businesses. We would strongly recommend that anyone considering their services carefully reviews the terms and conditions, as there are clauses that may not be immediately obvious and can work against you if issues arise.

Based on our experience, we would not recommend using this company and would advise other businesses to proceed with caution.

Very easy to set up and a great experience using close brothers financial services
I will be using them again if I need help in the future

I would like to thank Close Brothers Finance for the excellent service I received from them for the past 5 years, customer service were excellent any time I needed to speak with them always very helpful,
I would have no problem using Clse Brothers Finance in the future.
Jeffrey Stirling

I request a quote recently and you quoted me unfavourable rates! I was quite surprised since I have an agreement with you and have never missed a payment. It was more expensive than the current agreement. Disappointed!! I didn’t even get a call back.

Excellent service glad I chose close brothers perfect

Appalling customer service, can’t believe GK Motors Ltd signed me up with these people. Can’t wait until my 5 year contact is up, never coming back. Don’t get fooled like I did, being told Close Brothers are good. Waste of my time and energy trying to complain about how I was mislead and double charged on a monthly payment. Got the refund, but they aren’t doing anything about the email saying “pay manually” because I missed a payment, so paid manually on the day of the missed payment, but then getting charged the direct debit the next day on a Saturday, so couldn’t sort until Monday!! Had to wait 6 days for the refund. Such a disappointment.
Update to the reply:
The customer service is useless, they were meant to call me yesterday but never did. One pretended to not hear me, but the connection was fine.

Nice and easy to set up . All good thank you for your help

Amazingly easy to deal and helpful

In order for me to buy my new vehicle I needed a loan which Close Bros kindly loaned me the money. Great rate of APR and explained everything fully by email. No fuss, definitely would recommend your company to anyone in my position.

Thanks

Perry

I found this company helpful informative with good phone and website service.
I would have no hesitation in using them again.

I felt very confident that I had once again chosen the right company to suit my needs such a relaxed and reassuring feeling using close during my 3or4 transactions with them thanks guys keep up the good work you do in the financial arena

Found my experience excellent I could pay more than my loan amount according speak to a human being and on closing my account had a discount what more could you want excellent

STAY AWAY from this company at ALL COSTS THEY WILL ROB AND LIE TO YOU AT EVERY OPPORTUNITY and take every penny they can get out of you STAY AWAY PLEASE. I had so meny problems it is unbelievable you'll not get any customers support you'll get told it's all your fault and to pay up they didn't even message me before sending debt collectors to recover £69 I apparently owed them SICK not even a email letter or call NOTHING. I was charged over £700 for a change i was told that I owe them over £750 then the debt collectors message me saying I owe them £69 they just make it up as they go. My insurance with them cost me over £3000 after they added on all they BS charges it took over 4 months to sort out and it's still not sorted as they still haven't explained how they come up with the figures now I'm paying £800 with another company for even better cover. I give them a 0 out of 10 STAY AWAY AT ALL COST OR YOU WILL REGRET IT.. trust me you will

I'm happy everything good 👍 service and payment as well.