Firm analysis

Startline Motor Finance Limited complaint 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 at a glance

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%.

  • Latest active year in the published data: 2026 (2 decisions)
  • Most common complaint theme: Affordability Assessment Failure
  • Most common precedent signal: Consumer Credit Act 1974

Volume and outcome trajectory

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%.

  • 2026: 2 decisions, 0.0% upheld
  • 2025: 105 decisions, 40.0% upheld
  • 2024: 83 decisions, 53.0% upheld
  • 2023: 65 decisions, 63.1% upheld
  • 2022: 35 decisions, 71.4% upheld

Themes, products, and precedent signals

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.

  • Consumer Credit: 324 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-610906502 Feb 2026Not upheld

Startline Motor Finance Limited · Consumer Credit

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 decision
DRN-610992202 Feb 2026Not upheld

Startline Motor Finance Limited · Consumer Credit

I 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.

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DRN-587714330 Dec 2025Not upheld

Startline Motor Finance Limited · Consumer Credit

DRN-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)

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DRN-602334130 Dec 2025Not upheld

Startline Motor Finance Limited · Consumer Credit

DRN-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)

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DRN-581959623 Dec 2025Upheld

Startline Motor Finance Limited · Consumer Credit

DRN-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)

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