Published decisions
427
Firm-specific decision volume in the public corpus
Firm analysis
A public analysis page covering published Financial Ombudsman decisions involving Startline Motor Finance Limited, including outcome context, product mix, complaint themes, and representative cases.
Page summary
427 published decisions involving Startline Motor Finance Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
427
Firm-specific decision volume in the public corpus
Upheld rate
55.3%
236 upheld decisions
Latest published decision 02 Feb 2026
Published decisions
427
Firm-specific decision volume in the public corpus
Upheld rate
55.3%
236 upheld decisions
Leading product
Consumer Credit
324 decisions
Leading complaint theme
Affordability Assessment Failure
41 tagged decisions
Startline Motor Finance Limited appears in 427 published decisions in this corpus. 55.3% 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 324 decisions and an upheld rate of 54.0%.
Startline Motor Finance Limited's decision trail runs from 2015 to 2026. 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, Startline Motor Finance Limited appeared in 2 published decisions with an upheld rate of 0.0%.
Affordability Assessment Failure is the strongest complaint-theme signal tied to Startline Motor 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 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.
Representative cases
5 examples shown
My decision is that I don’t uphold Mr N’s complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr N to accept or reject my decision before 2 March 2026.
View source decisionI find that Startline Motor Finance Limited inappropriately recorded a marker on Mrs C’s credit file, but I’m satisfied that its offer to put matters right was fair and reasonable in the circumstances. As my decision is based on actions that Startline Motor Finance Limited had offered and which I find fair and reasonable, it should complete those actions if it has not already done so.
View source decisionDRN-5877143 The complaint Mr D complains about the quality of a car he acquired under a hire purchase agreement with STARTLINE MOTOR FINANCE LIMITED (Startline). When I refer to what Mr D and/or Startline have said or did, it should also be taken to include things said or done on their... (5 pages)
View source decisionDRN-6023341 The complaint Mr S complains that Startline Motor Finance Limited lent to him irresponsibly. What happened In April 2024, Mr S applied for and was given, a hire purchase agreement (HP) to enable him to acquire a used car. The terms were as follows: Cash value Deposit Amount... (4 pages)
View source decisionDRN-5819596 The complaint Miss L is unhappy with the way Startline Motor Finance Limited dealt with her when she sought to return a car it supplied under a hire purchase agreement. What happened In July 2024 Miss L entered into a hire purchase agreement with Startline for a used car. T... (4 pages)
View source decision