I am writing to raise a formal complaint regarding my recent finance agreements arranged through Charles Hurst Belfast on 28 August 2025, financed by Alphera Financial Services.When I agreed to purchase my vehicle (GJ19ZFZ, Toyota Aygo, 2019), I was clearly informed that the total monthly repayment would be £325.55, which I understood to cover all costs discussed during the sale. On that basis, I signed the paperwork. However, I have since discovered that a second, separate finance agreement was created for accessories and extended warranty at £30.44 per month for 36 months (Agreement number 4302039) in addition to the main car finance at £325.55 per month (Agreement number 4302467).At no point during the sales process was it made clear that these would be two separate finance agreements. The salesperson presented the total monthly payment as a single figure of £325.55, leading me to reasonably believe this included all items discussed. The existence of the additional finance agreement only became apparent once the documentation was received by post.During discussions, my mother and I initially declined the accessories and extended warranty, as the overall cost appeared too high with it. However, we were later told that the total price had been reduced to £325.55 per month with the warranty included, which gave the impression that the items were already built into the agreed monthly amount and not subject to an additional loan.At the time of signing, I attended with my mother, who does not speak English. I was trying to translate the salesperson’s explanations while also attempting to understand the finance details myself as a first-time car buyer. I was not provided with a clear, transparent explanation of what I was agreeing to, particularly regarding the separate accessory finance. I therefore believe that the accessory finance was mis-sold and that I was not given fair or sufficient disclosure to make an informed decision.I am requesting cancellation of the accessory finance agreement. I would be very grateful if you could promptly review this situation and advise on how to resolve this matter appropriately.Thank you for your time and attention. I look forward to your prompt reply.

Hello. Lookers have asked me on 30th September to contact you following my review on Trust Pilot.We bought this car new with PCP finance in June 25 from Charles Hurst Renault in Belfast.We are happy with the car, apart from the Boot Release. My wife cannot open it, due to her Rheumatoid Arthritis. The car is for her local and shopping use. We were not warned the boot release was fiddly.Charles Hurst told us they couldn't do anything to help. So we thought we would upgrade to the Renault 5 to solve the problem. I was shocked to find out on enquiry that there would be a loss on trade in of £5,000, and we would have to find this. Nearly a third of its value in 3 months!!! The Renault salesman did not suggest any help on this.So the Renault 5 would be too much for us, I then looked at the Citroen EC 3. My wife can open its boot and we like the car. The Charles Hurst Citroen staff were extremely helpful in finding a PCP solution.We test drove the car yesterday and agreed to pay £4,000 deposit, and 48 months at £276. We paid a £250 deposit.Darren Dunne, their manager rang me today to say that offer was no longer available due to the start of the new financial quarter. We would have to pay £342 a month instead! (We pay £203 a month for the Dacia)Yes, The eC3 is more expensive than the Dacia. But we have to find £4,000 in cash, and a large increase in PCP payment to solve the boot problem!So, can you help in any way in helping us cash wise? We are both retired pensioners with very limited savings.Thank you in advance

Karl was very helpful and not pushy about the sale.

Dale was excellent in the way he explained things to me and so helpful. Would tell people to speak to him.

Ethan was very pleasant and organisedA pleasure to deal with - unfortunately the vehicle didn’t work for us but I’d happily recommend him and the dealership he represented so well

Fabulous service

Appointment ran to time and sales person was helpful.

Great team very easy to deal with great help and service first class.Nothing was any trouble for the staff great service.would use again.Recommend to every one.

Mainly down to Sam who was excellent to deal with.I really wanted to buy from him but sadly fell for a vw golf instead of the Citroen.He is very good at his job. Explains things clearly without being patronising and very knowledgeable.

Overall good experience but a little bit pushy. I do think it was done with good intentions though