Amanda Vines

Amazingly Friendly and informative service!Ruby Vines was very friendly and very thorough, explaining packages and which one was best fit for myself.I wouldn’t hesitate to recommend a very good company to deal with.Definitely worth taking out the package for peace of mind.

Absolutely atrocious company taken over from the Asset Exchange which has gone into liquidation.
Please see below:
My agreement dated 17th October 2022 was taken out with TAE,not you.
In accordance with the contract I should have been able to change my vehicle in October 2024, I requested this but as The Asset Exchange had already gone into receivership!
I heard nothing further until received paperwork you had taken over the account, no bank details supplied, no new contract signed and no correspondence!
In February I called for over 16 mins to get through to someone to no avail.
I submitted a contact form submission no contact from you.
I then managed to get through to Mohammed see my compliant sent to you below, he could not of been more dismissive!
“As per my initial complaint below:
I would like to make a complaint on the transition over of my account to you from the Asset Exchange.
I received paperwork from you dated 17th January, to say transferred over and your address and phone number and statement.
However no bank details were supplied to pay.
I sent on the 20th January a custom form submission for someone to call me with my mobile number and relevant details via your website.
No one called me.
I then called on the 22nd January and was on hold for 30 minutes no one answered.
I then sent an email on the 27th January, to Marsh Finance no response.
I then managed to get through on the phone to
Mohamed no surname supplied, who actually could not of cared less about helping me.
I have not had any contact on schedule of payments promised since my last correspondence sent in March 2025.
In response to your reply I have made several complaints via phone and email the last being last week where the reply was this you could care less!
Good morning



I am sorry that you feel that you have received a bad service and not happy with the transition of moving over from Asset Exchange.



Regarding the refinancing of the vehicle, we are only managing the accounts and had no idea for how long so made the decision not to refinance. This was not personal.



As far as I am aware, correspondence was sent out to all AE customers.



Also, from what I gather from speaking to other AE customers, AE had a fleet of cars that you could choose from. We don’t. We just finance .



If you wish, you could contact the financial ombudsman.



Kind regards

Absolutely superb service and very good value for money!

Excellant insurers, easy platform to make changes, convenient and swift changeovers, would definitely recommend.

So after being told my complaint will be responded to in 15 days we are now 28 days absulute scam of an establishment, no warning taken payments no refunds to me totally shocking, goes against all regulations anyone that thinks about using TIDE don't AVOID AVOID AVOID! ( Updated)
Why have TIDE closed my account in plain English as I cannot see any possible reason after being a customer already.
Do not send me the standard lines of oh we can't support your type of business as you and I know that's rubbish after being a customer since 2020!
So what is it? I am quite within my rights to ask and require an answer!
As you can perhaps tell I am furious! unprofessional, fraudulent and many more aspects that you fail at as and I use the terms loosely "bank!"
Please read below and a response is required today as you have already made me w
"Businesses that provide bank accounts are generally entitled to close them – just as their customers are. ... You shouldn't close an account because of unfair bias or unlawful discrimination. And you shouldn't usually close an account without giving reasonable notice."
You have unlawfully discriminated against me.
Notice periods for business bank accounts
A longer period than 30 days might be appropriate for business customers. They’re likely to need more time than personal customers to make alternative arrangements, particularly if there’s an agreed overdraft on the account.

TIDE closed my account without giving me enough notice, this means I failed to honour direct debits and standing order payments. In turn, this has lead to a direct loss in the form of interest and late payment fees, causing indirect losses, ie damage to my reputation or adverse information on my credit file.

Compensation for non-financial loss
You need to pay compensation for distress and inconvenience caused.

I will be taking this matter to all major press the FO Financial Regulators and all other areas necessary if I am not satisfied today with your response.
why have you closed my account in plain English as I cannot see any possible reason after being a customer already.
Do not send me the standard lines of oh we can't support your type of business as you and I know that's rubbish after being a customer since 2020!
So what is it? I am quite within my rights to ask and require an answer!
As you can perhaps tell I am furious! unprofessional, fraudulent and many more aspects that you fail at as and I use the terms loosely "bank!"
Please read below and a response is required today as you have already made me w
"Businesses that provide bank accounts are generally entitled to close them – just as their customers are. ... You shouldn't close an account because of unfair bias or unlawful discrimination. And you shouldn't usually close an account without giving reasonable notice."
You have unlawfully discriminated against me for no reason.

Notice periods for business bank accounts
A longer period than 30 days might be appropriate for business customers. They’re likely to need more time than personal customers to make alternative arrangements, particularly if there’s an agreed overdraft on the account.

TIDE closed my account without giving me enough notice, this means I failed to honour direct debits and standing order payments. In turn, this has lead to a direct loss in the form of interest and late payment fees, causing indirect losses, ie damage to my reputation and adverse information on my credit file.

Compensation for non-financial loss
You need to pay compensation for distress and inconvenience caused.

I will be taking this matter to all major press the FO Financial Regulators and all other areas necessary if I am not satisfied today with your response.

Fantastic Company, easy process, straight forward, payment made as promised for the vehicle, follow up after the car had been scrapped excellant wouldn't hesitate to reccomend! 5 stars!!