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Startline Motor Finance Limited
Legal entity: STARTLINE 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 08302453, incorporated November 2012
244banking decisions
45.9%uphold rate
132not upheld
What this firm loses on
| Issue | Decisions | Upheld | Uphold rate |
|---|---|---|---|
| Irresponsible lending | 98 | 25 | 25.5% |
| Credit file reporting | 41 | 36 | 87.8% |
| Charges and fees | 24 | 17 | 70.8% |
| Treatment in financial difficulty | 21 | 9 | 42.9% |
| Product mis-sold | 14 | 8 | 57.1% |
| Service failure | 10 | 8 | 80.0% |
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 | 31.4% | — | — | 503 |
| FOS | 2025-H1 | 38.2% | — | — | 1,802 |
| FOS | 2024-H2 | 33.0% | — | — | 745 |
| FOS | 2024-H1 | 23.4% | — | — | 575 |
| FOS | 2023-H2 | 42.3% | — | — | 197 |
| FOS | 2023-H1 | 27.8% | — | — | 208 |
| FOS | 2022-H2 | 48.9% | — | — | 148 |
| FOS | 2022-H1 | 56.5% | — | — | 51 |
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.