Avoid at all costs! Unlawful credit reporting and hidden fees. FCA DESERVES NO STARS !!!!!!!!!!!!!!
Stay as far away from FCA Automotive Services as possible. They operate completely outside the standard rules of financial services.
I exercised my legal right to a Voluntary Termination (VT) after paying the 50% required by law. Despite this being a clean break, they slapped me with a further £1,304 charge for "insurance products" that I can’t even use now that the car is gone.
When I formally disputed this ridiculous amount, they didn't follow the law. Instead of resolving the dispute, they maliciously registered a default on my credit file to try and blackball me into paying the £1,304.
Under FCA rules, you aren't allowed to register a default while a debt is in an active dispute, but this company doesn't care about the rules or the law. They are using my credit score as a hostage to extort money for products I don't have.
STAY AWAY. They are unprofessional, predatory, and have no regard for consumer rights. I am now taking them to court to have this cleared. You have been warned!








