Amigo Loan Reviews

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★★★★☆
4.2 / 5
84% of users recommend this
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  • Speed of Application

  • Customer Service

  • Value For Money

Comment from Review Centre

Note from Review Centre.

As of 19th March 2012 FLM Loans has changed its name to Amigo Loans.
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★★★☆☆

“Not guarantor friendly”

Written on: 28/11/2018 by suetownsend (1 review written)

My son wanted to top up his loan. This made a difference of £15.00 more per month to pay so I agreed to again be guarantor. What a farce!! They went to my credit file, yet again, all my finance was scrutinised down to last penny. It seemed even more intrusive than the initial loan. I will never act as a guarantor for this firm or any other if this is how they treat people. … Read Full Review

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★★★☆☆

“e-mails all went directly to junk mail”

Written on: 05/08/2017

This was my first time as guarantor. Probably did not receive the emails in the right order so got very confused especially when I was refused as not being a home owner. ( which I have been for the last 40yrs ) When I phoned I was told no problem, but then had lots of questions fired at me about my contributions to the household budget to which I had no answers as everything in our household is joint Eventually I was accepted & thankfully the money came through almost immediately. My… Read Full Review

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Amigoloans's Comment

Written on: 10/10/2017

Hi,

Thank you for taking the time to leave your comments. We're sorry for the delay in getting back to you.

We're sorry you weren’t happy with the Amigo experience, and that there was some confusion at the application stage.

We would like to explain why we run through the process, as we do so with your best interests in mind. It’s really important we check the repayments are affordable before we approve the borrowing. As we're a responsible lender, the last thing we'd want would be to you in financial difficulty, if you were asked to make a payment. We understand that some customers may share their finances with someone else in their household, and we may sometimes ask a few further questions to ensure that we have an accurate understanding of your financial circumstances.

If you’d like us to, we’d be happy to look into this further for you. Please just email us with your details.

We are happy to hear that your Grandson is enjoying his new camper van!

Thanks, the Amigo Loans team

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★★★☆☆

“Flalse promises appliedfor top up having been with...”

Written on: 07/12/2013 by villaroma (1 review written)

Flalse promises appliedfor top up having been with themfive years two different loans Appliedfor top up 30november 2013 still waiting for the 48 hour call back Waiting over a week now promisedcall back this weekend we wait tosee service appalling very dsappointed in them this time round ihave emailed them numerous times called them cant get through Spoke to someone but just said they arevery busy will pass on as priority still Waiting Was at work in week so hardto take any calls but keep… Read Full Review

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★★★☆☆

“umm undecided ”

Written on: 19/08/2013 by champagnebubbla (1 review written)

I was impressed at first then I read reviews and to be honest what can I say. they talk the talk and I have not seen no walk the walk. fast pay out's which part? And they have not replied. so I have nothing good or bad to say… Read Full Review

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★★★☆☆

“Generally ok, received relatively quick feedback...”

Written on: 20/06/2013

Generally ok, received relatively quick feedback following application however they didn't always call back within the time frame specified. First lady I spoke to on the phone Jodie was patronizing I was reduced to tears following my conversation with her and felt so upset to the extent where I hung up eventually. Once I had calmed down I called back and spoke to a sincere and helpful man who made the whole process quick and easy and represented the company extremely well. Would probably… Read Full Review

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Amigoloans's Comment

Written on: 25/06/2013

Hi there,

My name's Scott, I work at Amigo and I wanted to reply, as after reading your review I can see that you've had a mixed experience with us, so far.

I'd like to investigate what happened on the first call, as it sounds like it fell short of what we expect from our staff. No customer should ever feel the way that you've described and I'm sorry if you left the call feeling upset. It's really important that we complete a budget plan with every customer and guarantor, to make sure that they can afford the repayments, but this should never make someone feel like you have described.

If you could email to confirm your details, I'd like to have this investigated, so that we can address the issue directly with the person you spoke to.

I'm pleased to hear the second person you spoke to handled the call better, it sounds like he delivered the level of service we expect and I'll also make sure that we give him this feedback, once we've received your email.

Thank you for taking the time to leave us a review.

Scott @ Amigo.

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★★★☆☆

“ots of problems in begining till Vicky took over”

Written on: 15/03/2013 by cherylahancock (1 review written)

I applied for this and got a reply straight away and then the problems started, links were not sent, nobody returned calls as promised and was about to give up as you then had probs with my guarantor, when he called in was told the lady that was dealing with it was on hols and would have to call back, not good customer service. i then got a lady called Vicky who is a credit to your firm, she needs a bonus!!! she took over all the problems, sorted out with my brother in law, kept me uptodate… Read Full Review

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★★★☆☆

“Will drive your guarantor CRAZY!”

Written on: 09/01/2013 by intercityboi (11 reviews written)

I was in a financial predicament and needed help. I came across Amigo Loans (FLM as it was back then) and made the necessary application using my guarantor, who is an extremely good friend and work colleague. She ticked all the boxes required, but Amigo still didn't seem to be satisfied and 'sat on the fence' for a while pondering, until my guarantor had to call and advise that she was only guaranteeing £2,500 and not a figure 10 times as much. At this point, they relented and paid out. After… Read Full Review

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Jackie_1964's Response to intercityboi's Review

Written on: 30/01/2013

my guarantor ticks all the boxes too, but has been declined, amigo text me everyday and when i tell them my guarantor was declined they send me a link for him to follow, but nothing changes when he signs in

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Intercityboi's reply to Jackie_1964's Comment

Written on: 31/01/2013

Sorry to hear that. Surely if your guarantor ticks all the boxes, why would they decline? It seems impossible if they won't accept the guarantor, when they're perfectly suitable. My guarantor owns her own home and is on a salary of £35k+. She found it rather incredulous that they sat on the fence for £2,500. Could you ask them for a detailed response as to why your guarantor is unsuitable when, obviously to you, they are? Good luck!

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★★★☆☆

“Polite, helpful but no one point of contact”

Written on: 06/12/2012

I found the website easy to use for my application and contact at that point was very good through text messages and emails.I later experienced one person telling me one thing and then another telling me something different, which became quite confusing and frustrating. Eventually the application was sorted but I would have like one point of contact rather than being passed about. Overall I would recommend them but the CUSTOMER EXPERIENCE could be a little smoother… Read Full Review

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★★★☆☆

“Ok but can be like a bunch of hyenas ”

Written on: 23/10/2012 by Frankensteinuk (1 review written)

I had taken out a loan with amigo when it was FLM the process is quick and haven't had any problems with them. I find their online facility's average, I haven't encountered any problems with them my self but I do know others who have. As much as it came in handy I won't be looking at "topping up" my loan as I have seen from others how aggressive the company can be if their is missed or late payment. My sister has a loan with them and found their policy of changing payment dates to be a little… Read Full Review

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Amigoloans's Response to Frankensteinuk's Review

Written on: 26/10/2012

Hi,

Thanks for taking the time to review our company.

I just wanted to reply to a couple of the points that you've made, to explain some of our policies and procedures.

In regards to the moving of payment dates, we allow customers to move their payment date up to 3 times each year, but as most payments are taken by direct debit we would need at least 5 working days notice to be able to change the payment date. Customers can do this online, without even needing to call in to us.

If a borrower misses a payment, we have a duty to keep them and their guarantor up to date with what's happening. It's important that we let them know that their payment hasn't been made, so that they can address the situation, hopefully without us needing to take a payment from the guarantor.

Once again, thanks for taking the time to review our company.

Regards,

Scott

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★★★☆☆

“CREDIT CHECK”

Written on: 22/08/2012

although i am yet to recive my loan or an outcome i can confirm they will credit check you and your guarantor and will 100% know about any current debts like payday loans or ccj's just though you should all know wether it effects thier decsion i'll let you know tommorow but if i get it there the BEST loan company going… Read Full Review

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Lovelylogic's Comment

Written on: 29/08/2012

Did you get your loan????

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★★★☆☆

“loyalty NOT repaid”

Written on: 29/05/2012 by simobhoy (1 review written)

Overall after using FLM/Amigo I can say that up until now i HAVE been very happy with there service!! HOWEVER after calling up to discuss refinancing my loan for a second time (ive been an flm custommer now for 4 years!) i was horrified and very angry to learn that after topping up my initial £3000 loan and now able to top again due to NEVER EVER missing a payment that my apr would infact increase from 42,9% to 49.9% despite being advised way back at the start that my loyalty would be repaid… Read Full Review

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★★★☆☆

“Does this company always want a guarantor? If so they...”

Written on: 08/09/2010

Does this company always want a guarantor? If so they should state that when you apply. I am being bombarded mytexts from them saying that i have been approved but if they want a guarantor i can't give them one and i did make that clear when i applied… Read Full Review

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★★★☆☆

“Payment via a new creditcard was made once. FLM hold...”

Written on: 03/09/2010

Payment via a new creditcard was made once. FLM hold these card details. This is not a guarantor's card and no-one has authorisation to take money from it. How do these details get removed?
Just one of the questions I would ask.
This company is very quick to issue cash, but actually the Customer service is poor and there is a feeling that they don't want to help at all, if you are in difficulty.
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★★★☆☆

“Be aware of the promised 24 to 48 hour time scale from...”

Written on: 08/05/2010

Be aware of the promised 24 to 48 hour time scale from FLM loans! I submitted my loan application electronically at 2pm on Tuesday 4 May using the FLM website. Late that afternoon I phoned to make sure the forms had been received, the form was checked, I was told it was in order and was told that it would be passed on to the Case Manager. When I had heard nothing within the 24 hours I phoned again and spoke to another assistant, he again told me he would print the form off and pass it on. The… Read Full Review

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★★★☆☆

“I think that FLM loans would be better off not texting...”

Written on: 27/11/2009

I think that FLM loans would be better off not texting their clients constantly. I also think that FLM would be better off e-mailing their clients as people don't always have time to talk to a member of staff. Their speed in delivering money is longer that 48 hours, as i haven't yet recieved mine. This shows a lot about FLM's service and reliability… Read Full Review

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★★★☆☆

“have waited far to long and still waiting..”

Written on: 24/10/2009

have waited far to long and still waiting… Read Full Review

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★★★☆☆

“I acted as a guarentor for friend. I felt that the...”

Written on: 05/10/2009

I acted as a guarentor for friend. I felt that the service that I recieved from Dominic was very good. however I feel that the APR was extremely high and for this reson I would not recommend thata person go to any company like this unless absolutely necessary… Read Full Review

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★★★★☆

“very good sevices. FLM Loans staff are helpful on the...”

Written on: 11/06/2009 by charlierogan (1 review written)

very good sevices. FLM Loans staff are helpful on the telephone. the documents seemed to take ages to come through the post though… Read Full Review

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★★★★☆

“Overall FLM Loans are very good but it took quite a...”

Written on: 21/05/2009

Overall FLM Loans are very good but it took quite a long time to get things up and running. … Read Full Review

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★★★★☆

“i am still waiting to be paid out by FLM Loans but the...”

Written on: 08/04/2009

i am still waiting to be paid out by FLM Loans but the service so far as been very good and the response as been quick. my personal advisor was friendly and helpful - they answered all my questions… Read Full Review

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