In January I purchased a boiler through BOXT. And I stress the word PURCHASED because paid in full, I never requested any finance at any stage. Since the day after, I have been constantly receiving... See more
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See what reviewers are saying
Refused interest free loan of £52 50 per month for 12 months via Aqualisa showers. I'm a Male full time worker on >£40k, house owner and Experian score of 999! Never been refused loan ever! Total hous... See more
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I have impeccable credit (which I check regularly) have probably what is deemed as a high income; applied for interest free credit over 12 months. Instantly declined with no explicable reason. So... See more
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Wise budgeting: So often we put off purchasing a much need item due to thinking "I must first put the money aside" and then never getting around to doing so. Divido provided us with opportunity to... See more
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Company details
Written by the company
If you are a consumer with feedback or a question, please contact the retailer or lender directly, as only they will be able to help you. Divido is a software platform licensed by over 1,000 retailers and lenders around the world to offer consumers the option to spread the cost of a product or service. Our retailers and lenders will be happy to discuss your feedback and answer your questions directly if you reach out to them.
Contact info
35-37 Ludgate Hill, EC4M7JN, London, United States
- csm@divido.com
- divido.com
Spam/harassing communications
In January I purchased a boiler through BOXT. And I stress the word PURCHASED because paid in full, I never requested any finance at any stage.
Since the day after, I have been constantly receiving emails and texts from Divido, asking me to 'complete the application for your finance purchase'.
None of these emails or texts can be replied to in order to request them to stop. Divido should not even have my contact information as I never made a finance enquiry.
24 January 2023
Reply from Divido
Hi Ross,
We’ve been in contact with BOXT to understand the situation.
It seems as though your original quote for a boiler was amended to add a missing flue to your order. To account for this, BOXT finance sent you a payment link for an additional £425. This payment link included Divido branding.
However, this payment link did not come from Divido. The link you were sent should not have been issued for a non-finance purchase. This seems to be the root of the problem.
We are aware that you returned part of your order which reduced the original outstanding amount of £425, which may have triggered BOXT to send another email. Again, any email you received in this interaction that featured Divido branding did not come from Divido.
BOXT has now realised the issue you were having and have waived your outstanding fee as a gesture of goodwill.
We apologise for the confusion and frustration you have felt during this process. As Trustpilot is the first time you came into contact with our business, we kindly ask that you remove this review.
Kind regards,
Nathan
First time applicant
First time applicant, went through in seconds, everything set up, payments taken out on time, I would recommend this, as mine went through without a problem. Will definitely use again
29 March 2022
Unprompted review
Far from seemless
Application took over twelve hours to accept despite being told that in most cases I should receive a decision in twenty minutes. The consumerist worded email also had the nerve to say I should wait around the store till application has been accepted.
Once application was accepted and deposit money taken I was displayed a technical difficulty and never able to proceed 'contract generating' continuously. Overall a very painful experience.
24 February 2022
Unprompted review
You can have the best credit score
You can have the best credit score, never missed a payment in your life and yet just for a £900 credit you will be refused which result in affecting your credit score. When you see divido as an option to finance your purchase avoid it by all means.
21 October 2021
Unprompted review
Applied for shower update to Aqualisa…
Applied for shower update to Aqualisa and would like
to use 0% credit -- they use DIVIDO and i was refused,
no reason given. Computers rule -- even when your house is mortgage free.! see why they don't admit to a phone number. One star seems too much. John
6 September 2021
Unprompted review
You had one job...
In their replies to other reviews, Divido likes to make it very clear that they are not the lender and merely facilitate the agreement with a lender via their IT solution.
You would think, then, that only having this one job, they might actually be able to provide an IT solution that works. So far, I have had a blank white screen, a gateway error, and finally, when I eventually managed to get through to the agreement, I tick the box to sign it, and the page just hangs for a minute and then asks me to sign the same agreement again. Oh, and if you call Divido to try to sort this out, you get two options on their automated helpline - one is for merchants (not customers), and the other option tells you to call the lender. There is no option to help customers who are stuck with Divido's broken IT infrastructure.
I finally got the application to go through, but only by ticking the box accepting all marketing communication from Divido. I guess I'll now have to try and cancel all the marketing communication separately...
5 August 2021
Unprompted review
I'm home owner and try to buy a nector…
I'm home owner and try to buy a nector mattress for my new home all my bill are pay on time no miss payments.there a joke for a £700 pound mattress.my mortgage is more thst month payment for the mattress.WASTE OF TIME AND EFFORT
9 July 2021
Unprompted review
Worst company ever
Worst company ever. Turned down a loan for a laptop although have 999 credit score on Experian and never missed a payment.
Avoid the scammers offering 0% interest.
Would give them 0 star but cannot.
20 June 2021
Unprompted review
Reply from Divido
Hi George,
Divido is not a lender. As such Divido can not turn anyone down for a loan. You were turned down by a lender. All lenders use several different data sources to decide to give you credit or not. In your case, Experian was clearly not one of those sources.
If you feel you have not been treated fairly, you might wish to contact the actual lender to resolve this. If you don't know who the lender was, the retailer can tell you.
Regards,
Team Divido
Divido taken money from account
Divido state they do not take money from accounts yet mine has their name next to a deduction only to find out my application was refused, I have spoken the merchant and they gave me a number of the lender but they have no record of this. Yet money has been taken from account. This was a well known laptop / computer company offering divido services for finance.
10 June 2021
Unprompted review
Reply from Divido
Hi Rob,
You're right, Divido doesn't take money from anyone's account so let us look into this from our end.
It might be that the retailer has taken a deposit, and used Divido as a reference without us knowing. In which case only they can arrange a refund.
Meanwhile, you should also let your card/bank know because you can also have been a victim of fraud.
Regards,
Team Divido
Zero points for Divido.
In my opinion, avoid Divido! I retired with good pensions, a healthy investment portfolio and an excellent credit rating. Mortgage fully paid off. Property in Greater London. Living well!
Had originally planned to make a one off payment for a shower up-grade but interest free monthly repayments option appealed to me - a thrifty Scot. Bugger me, the application was refused!
Cutting off my nose to spite my face but kicking the shower up-grade into touch. Zero points for Divido.
Since writing the above, I have been advised that Divido are responsible for the application software and not the loan from the actual “lender”. Unfortunately, I have no idea who “the lender” is, so I cannot progress the matter further.
13 May 2021
Unprompted review
Reply from Divido
Hi James,
Your application for credit was declined by a lender, not Divido. If you want to know who the lender was, ask the retailer and they will be happy to help you.
We are just the software provider that was asked by the lender to deliver the bad news to you.
We are just the messenger, and you know what they say about the messenger...
Meanwhile here is something to consider; https://www.experian.co.uk/consumer/guides/refused-credit.html
Regards,
Team Divido
Very bad company ever come across with…
Very bad company ever come across with it. I was trying to get 0% finance but I been rejected lol
My credit score is 576 and the finance is 400£ shame on you guys not offering any 0% just company politics
6 May 2021
Unprompted review
Reply from Divido
Hi Martin,
Divido is not a lender, we neither approve or decline applications. Your application got rejected by a lender connected to our platform.
If you think that lender is wrong, please do contact them directly as only they will be able to help you. If you do not know who the lender was, please ask the retailer and they will tell you.
You mention your credit score, most people don't know this - but you don't have one credit score - you have 3! There are 3 different credit rating bureaus in the UK and lenders can use any of those three or even a combination. You can have a good credit score with one bureau and a bad score with another.
Regards,
Team Divido
I tried to submit an application for a…
I tried to submit an application for a 0% product they provide for a mattress company. It got stuck for minutes and later said application ID exists already. no email, no contact from their side. absolute a horrible experience, lost the discount deal on the mattress because of this shady company.
3 May 2021
Unprompted review
Reply from Divido
Mr Amit Kant Kaushik,
Please contact the retailer as only they will be able to help you.
Divido is a software platform licensed by over 1,000 retailers around the world to offer consumers the option to spread the cost of a product or service.
Our retailers will be happy to discuss your feedback and answer your questions directly if you reach out to them.
We are sure the mattress company will offer you the discount again, if you tell them what happened.
Regards,
Team Divido
I cannot give zero stars on…
I cannot give zero stars on here,however that is how I would rate.Turned down for £800 Laptop purchase.
A very first ,I have checked.I already subscribe to Experian credit rating agency ,therefore knew my score was excellent ,recently 899.Took sub to Equifax and again rating is excellent.Checked Money Supermarket.com same excellent rating.Concerned where Divido go to assess and damage of being turned down on my credit file.Cannot contact them direct as they refer to all others in chain...Need them to fix the rating ,perplexed...
12 April 2021
Unprompted review
Reply from Divido
Hi Stephen,
We are sorry to hear you got declined credit, we understand that can both be surprising and disappointing. That said, we would like to give you some more information which you might find helpful.
1) You have been declined credit by a lender. Divido is not a lender. We are a software used by retailers and lenders to process their applications. They don't tell us why they decline an application. If you want to know why a lender declined your application, you should contact that lender. If you do not know who the lender is, ask the retailer and they will be happy to point you in the right direction.
2) Divido does not assess your credit, that is done by the lender (see above). There are three different credit rating agencies in the UK (Experian, Equifax and TransUnion). It sounds like you only checked your rating at two of them. Moneysupermarket.com is not a rating agency, they just use the rating provided by one of these three, most likely Experian (which also explains why the number is exactly the same). In addition, the lender you applied for credit with might hold other proprietary data about you which they might use to inform their decisions. Again, if you speak to the lender, they can help. Based on what you have said so far, it sounds like TransUnion might the source of your problems.
If you are concerned about this application leaving a negative mark, do review your credit history with each of the credit rating bureaus. If you can not see any references to this transaction, the application did not leave a mark on your credit history.
If you do see a negative mark, and think it is unfair, you can ask to have it removed through the credit rating bureau, either online, by mail or over the phone. You have 60 days to request a free copy of the credit report used in the decision, to see if there are any errors on your credit file that can be disputed. Credit bureaus have 30 days to investigate and respond to your credit report dispute, or 45 days if you send additional proof during the investigation period.
3) As a software company for retailers and lenders, we support them, we do not provide support to their customers (e.g. you). That is why you couldn't find our contact details. You have to speak to the retailer or lender.
Regards,
Team Divido
I recently applied for finance for a…
I recently applied for finance for a ring and it was approved within 5 minutes. The application is straightforward and user friendly, its also very clear who your lender is and you are connected with them straight away. There are a few comments about being rejected credit but that isn't divido that's the lenders decision so slightly unfair to mark them down for that. I would use them again and think they offer customers a great way to finance as they have a panel of lenders so if doesnt approve it will be passed around until it is only resulting in 1 credit search which I personally think is great
10 March 2021
Unprompted review
Reply from Divido
Hi there, good to hear you enjoyed the service!
Regards,
Team Divido
absolute scammers of the worst kind!
absolute scammers of the worst kind!! avoid like the plague, retailers and customers alike.
November 2019 the finance provider cancelled our agreement as I was offering 0% finance for my customers.
divido still took money out the bank in Dec, despite my business not having any finance to offer, E mailed and explained, accounts dept told me they would cancel any payments.
january, febuary and march 2020 they still took payments out my account, each month they told me it was a mistake and would make sure no further payments come out my account... guess what I had to get the FCA involved!!
then the payments stopped.
worse still Febuary 2021 I get an e mail with 3 invoices attached... like are these guys for real!!!??
then they are asking me for previous correspondence!?
called them scammers, explained everything.... guess what bring the FCA in to it with the case reference then they leave it...
shame on you, sham outfit, absolute worst of the worst scammers!!
22 February 2021
Unprompted review
Reply from Divido
Hi GAD Tuning North,
We are really sorry to hear about the stress and inconvenience this billing issue has caused you. We completely understand why this must have felt very frustrating for you. We sincerely apologise for this human error.
As soon as you brought this to our attention, last week, we put this right by cancelling the incorrect invoices right away. In addition, we have also reviewed our process to prevent it from happening again.
For the sake of clarity, Divido does not take money from anyone's account. To pay us, our clients instruct their bank (most often by setting up a Direct Debit mandate) to transfer money from their bank account to Divido, automatically, every month. As such, all our clients always have the option to contact their bank and tell them to stop transferring money to Divido, e.g by cancelling the Direct Debit - which will take effect immediately.
Regards,
Team Divido
The software doesn't work
The software doesn't work. Tried making an application through their platform and it just froze repeatedly. Very poor.
14 January 2021
Unprompted review
Reply from Divido
Hi Daniel,
We are sorry to hear that you had a technical issue on your end during your check-out. From time to time the retailer, lender and other third party websites required to complete your application slows down or even freeze just as you describe. You might also want to check that your computer software is up to date and that you have a stable internet connection. All of these issues are of course outside of our control.
On our end we can confirm that we have had 99.99% uptime the past 12+ months. A typical application process takes less than 60 seconds. Given the volume of transactions our platform handles every minute, the issue you described is extremely rare. In the future, if you are experiencing an issue, reach out the retailer directly and they will be happy to help you.
Regards,
Team Divido
Christmas gaming PC
I went to order a gaming pc with total check out cost of £650 after discount. I was offered the opportunity to check out with credit and spread the cost over 6 months as it advertised 0%. My experian score is 999 and I've never missed a payment. I completed the application and page constantly refreshing and kicking me out took over 30 minutes to enter details. I know this company is not the lender but their software is terrible which I am convinced cause the errors and then the decline. Now I have a decline marker on my credit file. I would strongly recommend NOT to use this company!
23 November 2020
Unprompted review
Reply from Divido
Hi Diarmuid,
We are sorry to hear that you had a technical issue on your end during your check-out. Due to the surge in traffic around Black Friday a lot of retailer websites slow down or even crash just as you describe. You might also want to check that your computer software is up to date and that you have a stable internet connection. All of these issues are of course outside of our control.
On our end we can confirm that we have had 99.99% uptime the past 12+ months. A typical application process takes less than 60 seconds. Given the volume of transactions our platform handles every minute, the issue you described is extremely rare. In the future, if you are experiencing an issue, reach out the retailer directly and they will be happy to help you.
With regards to your credit rating and application being declined, there are 3 different credit rating bureaus in the UK. Lenders can use any of those three or even a combination. You can have a good credit score with one bureau and a bad score with another.
If you are concerned about this application leaving a negative mark, do review your credit history with each of the credit rating bureaus. If you can not see any references to this transaction, the application did not leave a mark on your credit history.
If you do see a negative mark, and think it is unfair, you can ask to have it removed through the credit rating bureau, either online, by mail or over the phone. You have 60 days to request a free copy of the credit report used in the decision, to see if there are any errors on your credit file that can be disputed. Credit bureaus have 30 days to investigate and respond to your credit report dispute, or 45 days if you send additional proof during the investigation period.
Regards,
Team Divido
Can’t find any contact details anywhere…
Can’t find any contact details anywhere for the company- all I want to do is pay off the outstanding balance - proving impossible!
20 November 2020
Unprompted review
Reply from Divido
Hi Sarah,
Divido is not a lender. Divido is a software company used by lenders and retailers. We provide support to them but we do not provide support to their customers. That is why you couldn't find our contact details.
If you wan to pay off the outstanding balance of your credit, you have to contact the lender that provided the credit - not Divido.
If you don't know who your lender is, contact the retailer you bought your product or service from, they will know.
Regards,
Team Divido
Stone age type company
Stone age company, i have good credit ratting and i was declined. Poor service. I have lived 2 different countries never had any issue anywhere with lending until I used Divido.
29 September 2020
Unprompted review
Reply from Divido
Hi Danish,
You have been declined credit by a lender. Divido is not a lender. You might want to consider reviewing the actual lender instead. Divido is a software company that does not provide any services to consumers.
Regards,
Team Divido
Terrible
Terrible. Wish I had looked at some of these reviews before applying. My credit is in excellent condition always checking on Experian and equifex are at the highest level possible. A £61 pcm for 9 months isn’t much but still got declined. Wish I had just put it on the credit card (11k limit) instead. Also have never been declined for credit in the last 8 yrs so because of this my credit score has been dented. Regardless of your reply like you do for others it will be no help at all. NOT HAPPY SUCH A WASTE OF TIME
23 September 2020
Unprompted review
Reply from Divido
You have written a review about a lender that declined your application. Divido is not a lender. Divido is a software company used by lenders. It is always those lenders that decided if they want to lend money to you or not. Divido itself does not accept or decline applications. If you want to know who the lender was that declined your application you have to contact the retailer to get their contact details.
Team Divido
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