Firm analysis

MotoNovo Finance Limited complaint analysis

A public analysis page covering published Financial Ombudsman decisions involving MotoNovo Finance Limited, including outcome context, product mix, complaint themes, and representative cases.

Page summary

506 published decisions involving MotoNovo Finance Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

506

Firm-specific decision volume in the public corpus

Upheld rate

50.4%

255 upheld decisions

Latest published decision 18 Dec 2025

Published decisions

506

Firm-specific decision volume in the public corpus

Upheld rate

50.4%

255 upheld decisions

Leading product

Consumer Credit

501 decisions

Leading complaint theme

Affordability Assessment Failure

30 tagged decisions

MotoNovo Finance Limited at a glance

MotoNovo Finance Limited appears in 506 published decisions in this corpus. 50.4% of those decisions were upheld, which gives a public view of how often complaints involving this firm ended in a fully upheld outcome in the final published set.

Consumer Credit is the firm’s clearest product exposure in the published decisions, with 501 decisions and an upheld rate of 50.3%.

  • Latest active year in the published data: 2025 (149 decisions)
  • Most common complaint theme: Affordability Assessment Failure
  • Most common precedent signal: Consumer Credit Act 1974

Volume and outcome trajectory

MotoNovo Finance Limited's decision trail runs from 2017 to 2025. That range gives enough public history to see whether complaint exposure has been broad-based or concentrated into certain years.

In the latest year represented here, MotoNovo Finance Limited appeared in 149 published decisions with an upheld rate of 29.5%.

  • 2025: 149 decisions, 29.5% upheld
  • 2024: 65 decisions, 33.9% upheld
  • 2023: 59 decisions, 40.7% upheld
  • 2022: 83 decisions, 62.6% upheld
  • 2021: 108 decisions, 73.2% upheld

Themes, products, and precedent signals

Affordability Assessment Failure is the strongest complaint-theme signal tied to MotoNovo Finance Limited in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.

Consumer Credit Act 1974, Section 140a Cca, Conc are the most visible precedent signals in the firm’s published decisions. That gives extra context on the rules and fairness arguments appearing most often around the firm.

  • Consumer Credit: 501 decisions
  • Second complaint theme: Delay In Claim Handling
  • Second precedent signal: Section 140a Cca

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-596984918 Dec 2025Not upheld

MotoNovo Finance Limited · Consumer Credit

DRN-5969849 The complaint Mr P complains about the quality of a vehicle that was supplied through a motor finance agreement with MotoNovo Finance Limited (MotoNovo). What happened In September 2019, Mr P acquired a used car through a hire purchase agreement with MotoNovo. The car was ab... (4 pages)

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DRN-599402518 Dec 2025Not upheld

MotoNovo Finance Limited · Consumer Credit

DRN-5994025 Complaint Mr L complains that MotoNovo Finance Limited (“MotoNovo”) unfairly entered into a hire- purchase agreement with him. He’s said the payments to this agreement were unaffordable and so he shouldn’t have been accepted for it. Mr L is being represented by (“the repres... (6 pages)

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DRN-602854417 Dec 2025Upheld

MotoNovo Finance Limited · Consumer Credit

DRN-6028544 The complaint Mr K complains that MotoNovo Finance Limited supplied him with a used van under a hire purchase agreement that was not of satisfactory quality. He wants to be able to reject the van or to be reimbursed for the cost of repairs. What happened In July 2024 Mr K en... (3 pages)

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DRN-583902416 Dec 2025Not upheld

MotoNovo Finance Limited · Consumer Credit

DRN-5839024 The complaint Mr B complains about the way MotoNovo Finance Limited (MotoNovo) dealt with the rejection of his vehicle under a hire purchase agreement. What happened In February 2025 Mr B acquired a used car through a hire purchase agreement financed by MotoNovo. The car b... (3 pages)

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DRN-597078215 Dec 2025Not upheld

MotoNovo Finance Limited · Consumer Credit

DRN-5970782 Complaint Mr H complains that MotoNovo Finance Limited (“MotoNovo”) unfairly entered into a hire- purchase agreement with him. He’s said the payments to his agreement were unaffordable. Background In May 2021, MotoNovo provided Mr H with finance for a used car. The cash pri... (3 pages)

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