Motormile Finance UK (trading name of FCA Automotive Services UK Ltd, Company 02739931) is a debt collection agency specializing in motor finance. They collect debts related to car finance, hire purchase agreements, and vehicle loans. Here’s what matters: Motormile Finance UK are NOT bailiffs. They can’t enter your home or take your belongings.
If you owe £6,000+ across multiple debts, an Individual Voluntary Arrangement (IVA) can stop Motormile Finance UK immediately and write off the remaining debt after 5-6 years.
Quick answers#
Can Motormile Finance UK send bailiffs? No. They’re debt collectors, not bailiffs.
Are Motormile Finance UK legitimate? Yes. Motormile Finance UK is a trading name of FCA Automotive Services UK Ltd (Company 02739931), FCA-authorised and based in Slough.
Can an IVA stop Motormile Finance UK? Yes. Once approved, they must stop contact.
Who are Motormile Finance UK?#
Motormile Finance UK is a trading name of FCA Automotive Services UK Ltd (Company 02739931), a debt collection company specializing in motor finance debts.
Company details:
- Registered name: FCA Automotive Services UK Ltd
- Company number: 02739931
- Trading name: Motormile Finance UK
- Registered office: Fiat House, 240 Bath Road, Slough, Berkshire, SL1 4DX
- FCA authorised: Yes
Motormile Finance UK works for motor finance companies who can’t recover debts directly. When your car finance company, hire purchase provider, or vehicle loan company can’t recover payment, they pass the debt to Motormile Finance UK.
Why is Motormile Finance UK contacting me?#
Motormile Finance UK contacts you because they’re collecting a motor finance debt on behalf of another company. When your car finance provider can’t recover a debt directly, they hire Motormile Finance UK to collect it.
This is why you might not recognise Motormile Finance UK’s name:
You had a car on hire purchase with a finance company. You fell behind on payments. The finance company tried to contact you for several months. The finance company then hired Motormile Finance UK to collect the debt. A Motormile Finance UK letter arrives, and you think “I don’t owe money to Motormile Finance UK”—but you do owe money to the finance company, and Motormile Finance UK is acting as their agent.
Who instructs Motormile Finance UK:
- Car finance companies
- Hire purchase providers
- Vehicle loan companies
- Motor dealership finance arms
- Banks offering car loans
Check the original debt:
Every Motormile Finance UK letter must state the “original creditor”—the company you originally owed money to. If you’ve never heard of that company, or if you believe the debt is wrong, you have the right to dispute it and request proof.
Can Motormile Finance UK send bailiffs?#
No. Motormile Finance UK are debt collectors, not bailiffs.
They have no legal power to enter your home or take your belongings (including your vehicle) unless they first obtain a County Court Judgment.
What Motormile Finance UK CAN do:
- Send letters and emails
- Call you (between 8am and 9pm)
- Report the debt to credit reference agencies
- Take you to court (see below)
What Motormile Finance UK CANNOT do:
- Force entry to your home
- Enter without your permission
- Take your belongings
- Clamp or repossess your vehicle without a court order
- Threaten you with immediate bailiff action
- Claim they’ll “seize your goods” without a court order
Can Motormile Finance UK take me to court?#
Yes—they can take legal action if the debt remains unpaid.
While Motormile Finance UK can’t send bailiffs directly, they can pursue court action if you don’t pay or arrange a payment plan.
The legal escalation process:
1. Pre-Action Protocol (30-day warning)
Before Motormile Finance UK can issue a court claim, they must follow the Pre-Action Protocol for Debt Claims. They’ll send a formal “Letter of Claim” giving you 30 days to respond.
2. County Court claim
If you don’t respond or arrange payment, Motormile Finance UK will instruct solicitors to issue a County Court claim. You’ll receive court papers (form N1) at your address.
3. County Court Judgment (CCJ)
If you don’t defend the claim, the court will enter a judgment against you. This is a County Court Judgment (CCJ), which:
- Stays on your credit file for 6 years
- Makes it nearly impossible to get credit, mortgages, or phone contracts
- Allows Motormile Finance UK to enforce through bailiffs
4. Enforcement after a CCJ
Once Motormile Finance UK has a CCJ, they can apply for:
- Attachment of Earnings Order: Your employer deducts money from your wages
- Charging Order: Motormile Finance UK secures the debt against your property (if you’re a homeowner)
- Warrant of Control: The court issues a warrant allowing actual bailiffs to seize goods
Don’t ignore court papers. If you receive a “Claim Form” (form N1), you have 14 days to respond. Ignoring it guarantees a CCJ.
Is the debt really yours?#
Before you pay Motormile Finance UK anything, verify the debt is actually yours.
Request proof under the Consumer Credit Act 1974:
If the debt is a credit agreement (car finance, hire purchase, vehicle loan), you have the right to request a copy of the original agreement under Section 77 or 78.
Write to Motormile Finance UK:
FCA Automotive Services UK Ltd
Fiat House
240 Bath Road
Slough
Berkshire
SL1 4DXSay:
“I’m writing regarding account reference [your reference number]. Under Section 77/78 of the Consumer Credit Act 1974, I request a true copy of the executed credit agreement for this debt. I also request a full breakdown of how the current balance has been calculated. I don’t acknowledge this debt until I receive proof.”
Motormile Finance UK has 12 working days to respond. If they can’t provide a valid agreement, they can’t enforce the debt through the courts.
When is a debt statute-barred?
If you haven’t acknowledged a debt or made a payment in 6 years (England/Wales) or 5 years (Scotland), it might be statute-barred.
Statute-barred debts can’t be enforced through the courts. Motormile Finance UK can still ask you to pay, but they can’t take legal action.
Warning: If you make a payment (even £1) or acknowledge the debt in writing, the 6-year clock resets.
Will Motormile Finance UK accept a settlement?#
Yes—they typically accept settlements of 40-70% of the debt value.
Like most debt collectors, Motormile Finance UK would rather receive a lump sum settlement than wait years for monthly payments or an IVA dividend.
How to negotiate a settlement:
- Don’t offer first. Let Motormile Finance UK tell you what they want.
- Start lower. If they want 70%, offer 40-50%.
- Explain your circumstances. “I’ve been offered help from family, but they can only lend £X.”
- Get it in writing. Never pay until you have written confirmation that the settlement clears the debt in full.
- Pay via bank transfer and keep proof of payment.
How to stop Motormile Finance UK with an IVA#
An Individual Voluntary Arrangement (IVA) is a legally binding agreement between you and all your creditors (including Motormile Finance UK) to repay what you can afford over 5-6 years. At the end, any remaining debt is written off—typically 60-80%.
Why an IVA stops Motormile Finance UK:
Once your IVA is approved, all creditors—including Motormile Finance UK—must:
- Stop contacting you
- Stop legal action
- Freeze interest and charges
- Accept the monthly payment your Insolvency Practitioner distributes
What debts can be included?
Motor finance debts that Motormile Finance UK collects are unsecured once the vehicle has been returned or sold, which means they’re includable in an IVA:
- Outstanding car finance after voluntary termination
- Shortfall debts after vehicle repossession
- Credit cards
- Personal loans
- Overdrafts
- Mobile phone contracts
- Utility arrears
To qualify for an IVA, you typically need:
- £6,000+ in unsecured debt
- Two or more creditors
- A regular income (employed or self-employed)
- Spare income after essential bills (usually £80-100/month minimum)
Check if you qualify for an IVA
How to deal with Motormile Finance UK calls#
You have rights:
Request written communication only. You can tell Motormile Finance UK (verbally or in writing) that you only want to be contacted by post. They must comply under FCA rules. This stops the calls.
Don’t admit the debt until you’ve verified it. If you don’t recognise the debt, say: “I need to see proof of this debt in writing before I can discuss it.”
Don’t make a payment just to make them go away. Paying even £1 can restart the statute-barred clock if the debt is over 6 years old.
If you’re vulnerable, tell them. If you have mental health problems, serious illness, disability, or are in crisis, declare this. Motormile Finance UK must follow FCA “Consumer Duty” rules and adjust their approach.
How to complain#
1. Complain directly
Write to:
FCA Automotive Services UK Ltd
Fiat House
240 Bath Road
Slough
Berkshire
SL1 4DXInclude your reference number, dates of the issue, what happened, and what you want.
They have 8 weeks to respond.
2. Financial Ombudsman Service
If they don’t respond or you’re not satisfied:
- Website: www.financial-ombudsman.org.uk
- Phone: 0800 023 4567
3. Financial Conduct Authority
If Motormile Finance UK has breached FCA rules:
- Website: www.fca.org.uk/consumers/report-firm
- Phone: 0800 111 6768
If you’re struggling with debt, use our free IVA calculator to see if you qualify.
Frequently Asked Questions#
Can Motormile Finance UK send bailiffs?#
No. They’re debt collectors, not bailiffs.
Are Motormile Finance UK legitimate?#
Yes. Motormile Finance UK is a trading name of FCA Automotive Services UK Ltd (Company 02739931), FCA-authorised and based in Slough.
Will they take me to court?#
Yes, they can if you don’t pay or arrange a plan.
Can I stop them with an IVA?#
Yes. Check if you qualify
Will they accept a settlement?#
Yes. Typically 40-70% of the debt value. Get agreements in writing.
How long can they chase me?#
6 years in England/Wales, 5 years in Scotland.