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Specialist Motor Finance Limited
Legal entity: Specialist Motor Finance Limited
FCA register status: Authorised — the FCA’s own status for this firm reference, not our finding. See the FCA’s own record on the Financial Services Register.
Companies House 05544622, incorporated August 2005
154banking decisions
40.9%uphold rate
91not upheld
What this firm loses on
| Issue | Decisions | Upheld | Uphold rate |
|---|---|---|---|
| Irresponsible lending | 100 | 42 | 42.0% |
| Credit file reporting | 27 | 25 | 92.6% |
| Treatment in financial difficulty | 11 | 4 | 36.4% |
The official record
What the firm itself reports to the regulator, scoped to banking and credit complaints only. This is a different measure from the decisions above — it covers all complaints a firm received, not only those that reached an ombudsman. Firms report on periods set by the regulator, which are not always the calendar half-year the file was published under (shown below where they differ). No period-over-period change is calculated here — these are the reported figures only. See the scorecard for all three measures side by side.
| Source | Period | Upheld | Opened | Closed | New cases |
|---|---|---|---|---|---|
| FOS | 2025-H2 | 27.7% | — | — | 124 |
| FOS | 2025-H1 | 41.9% | — | — | 284 |
| FOS | 2024-H2 | 38.0% | — | — | 229 |
| FOS | 2024-H1 | 24.1% | — | — | 264 |
| FOS | 2023-H2 | 26.3% | — | — | 134 |
| FOS | 2023-H1 | 21.8% | — | — | 140 |
| FOS | 2021-H1 | 41.2% | — | — | 30 |
Decisions are attributed to a firm only where the decision text names it unambiguously. Where a name could refer to more than one firm, the decision is left unattributed rather than guessed, so these counts are a floor, not a total. Method.