The Financial Ombudsman Service has issued 150 decisions on car finance complaints against Specialist Motor Finance Limited. 94 (63%) were upheld. Issues include Affordability, satisfactory-quality, vehicle-quality, unaffordable-lending, voluntary-termination, Mis-Selling, General Complaint, Commission Issues, repossession, mis-selling, settlement-issues, defaultcollection. Cases span 2015–2026.