Specialist Motor Finance Limited
Reference number: 723813
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Authorised by the FCA
This firm is on the FCA register and authorised to carry out regulated activities.
Identity
Check their details
Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.
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Verified website
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Verified phone number
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Verified address
International House, Kingsfield Court, Chester Business Park, Chester, Cheshire, CH4 9RF, United Kingdom
- SMF Motor
- TFC Motor
Company details
From the company's Companies House record.
- Company number
- 05544622
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 24 August 2005 (20 years old)
- Registered office
- The Gate, International Drive, Solihull, West Midlands, B90 4WA, England
- Nature of business
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- Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)
- Financial intermediation not elsewhere classified (SIC 64999)
- Other business support service activities not elsewhere classified (SIC 82990)
Current directors and secretaries
| Name | Role | Born | Appointed |
|---|---|---|---|
| Patrick Hanlon | Director | Apr 1961 | 3 Aug 2020 |
| James Pearson | Director | Apr 1980 | 1 Dec 2025 |
| Harsimar Gharial | Secretary | Not published | 24 Dec 2025 |
Activities and protection
What they can do, and how you are protected
- Lend or arrange credit No FSCS coverConsumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
Show FCA detail (3 permissions)
- Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
- Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
- Exercising or having the right to exercise the lender's rights and duties under a bill of sale loan agreement
Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Track record
What customers have complained about
Names it no longer trades under
This firm has retired one trading name. If you were contacted under one of these, the name did belong to this firm, but check the current details above before going ahead.
Show the retired name
- Inisium
Complaints record
In January–June 2025, the Financial Ombudsman Service received 284 new complaints about this firm, and upheld 42% of the ones it decided.
That is above the 31% median for the firms the Ombudsman reports on.
- Banking and credit 284
A bigger firm receives more complaints simply because it has more customers. FOS complaints data →
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Common questions