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 several debts are unaffordable, an Individual Voluntary Arrangement (IVA) may stop direct collection for included qualifying debts once approved. Only remaining included qualifying debt is written off if the IVA completes, so compare every suitable alternative before choosing it.
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? An approved IVA should normally stop direct collection by this firm for a qualifying debt included in the arrangement, but the debt type, timing and any court or enforcement stage can affect the result.
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 at reasonable times, taking account of reasonable contact requests
- 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 County Court claim form, follow the service date and deadline in its response pack. If a valid claim is not answered in time, the claimant may request judgment in default.
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.”
For a qualifying Consumer Credit Act request, the creditor normally has 12 working days after receiving the required request and fee to comply. While a relevant section 77-79 default continues, court enforcement can be restricted, but the debt is not erased and a compliant copy may later be supplied. The rule does not apply to every debt.
When is a debt statute-barred?
For many simple-contract debts the headline periods are six years in England and Wales and five years in Scotland, but the start date, debt type, payments, written acknowledgement, an existing judgment and the jurisdiction can change the result. Read the statute-barred debt guide and get advice before paying or relying on limitation.
If limitation has expired and no judgment exists, it may provide a defence to a court claim. A claim can still require a timely defence, so do not ignore court papers or assume the collector decides the legal position.
Warning: A payment or qualifying written acknowledgement before the limitation period expires can restart time for some England-and-Wales debts. The effect after expiry and the Scottish prescription rules differ, so take advice before responding.
Will Motormile Finance UK accept a settlement? #
A settlement may be considered, but the creditor or legal owner decides and there is no reliable standard percentage. The outcome can depend on ownership of the account, its legal status, affordability evidence and the lump sum available.
Before paying, get written confirmation that the agreed amount is accepted as full and final settlement, that no remaining balance will be pursued or sold, and how the account will be reported to credit reference agencies. Do not use money needed for priority bills.
How to stop Motormile Finance UK with an IVA #
An approved IVA can bind creditors for debts included in the arrangement, so direct collection by this firm should normally stop for an included qualifying debt. The approved terms, debt type and timing control the result; an IVA does not cover every debt or automatically undo every court or enforcement step.
There is no single statutory debt balance or monthly-payment figure that makes an IVA suitable. A licensed Insolvency Practitioner should compare sustainable income, essential spending, assets, creditor returns and alternatives such as a Debt Management Plan, Debt Relief Order or bankruptcy.
Do not ignore an existing Letter of Claim, court form or enforcement deadline while an IVA is only being considered. If several debts are unaffordable, use the IVA suitability check as a first step and get advice on the live deadline.
How to deal with Motormile Finance UK calls #
You have rights:
Ask for a reasonable communication channel. Request post or email and explain any vulnerability or accessibility need. The firm must have regard to a reasonable request, but necessary and proportionate contact may continue. Keep a written record.
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.”
Check the legal position before making a token payment. A qualifying payment or written acknowledgement before time expires can restart limitation for some England-and-Wales debts. Once a claim is already barred, section 29(7) prevents a later acknowledgement or payment from reviving it; Scottish prescription differs. Get advice first.
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: https://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/contact
- Phone: 0800 111 6768
If you’re struggling with debt, use our debt-options calculator for an initial comparison; it cannot confirm eligibility or approval.
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. If the debt is included in an approved IVA, direct collection activity should stop once the arrangement is approved.
Will they accept a settlement? #
Use the settlement checks earlier in this guide: there is no standard discount, and any agreement should be confirmed in writing before payment.
How long can they chase me? #
For many simple-contract debts those are the headline periods, but the start date, debt type, payment or acknowledgement, judgment and jurisdiction can change the result. Get advice before relying on limitation.