ctrl-ai.co.uk
Your FOS Complaints
Wrapped
BMW Financial Services (GB) Limited
February 2025 — January 2026
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total decisions
0
FOS decisions about you this year
That's more than one complaint resolved every working day. You were the
7th most complained-about
motor finance provider at FOS.
outcomes
0%
of complaints were upheld
The motor finance sector average is
42%
. You're losing more than your peers.
BMW
52%
Sector avg
42%
VW Finance
20%
MotoNovo
28%
the real story
Two very different problems
70%
upheld
Vehicle quality
125 cases
28%
upheld
Commission
72 cases
7 in 10 consumers who say their car was faulty are winning. That's your main exposure.
your biggest gap
You only fully engage on half your cases
Fully
31% upheld
Partially
73% upheld
Minimally
75% upheld
When you show up, you win 69% of the time.
When you don't, you lose 73%. That's a 42-point swing.
the ombudsman effect
Who decides your case matters
Jeshen Narayanan
17 cases
0%
Andy Burlinson
4 cases
0%
Phillip McMahon
11 cases
55%
Andrew Burford
16 cases
75%
Bridget Makins
5 cases
100%
Your uphold rate ranges from 0% to 100% depending on the ombudsman assigned.
financial impact
£0
total compensation directed
£24.9k
largest single award
£300
median award
89 of 121 awards were under £500. Most losses are small — but they add up, and each one is a published finding against you.
how you compare
Peer benchmark
VW Financial
20%
92% eng
MotoNovo
28%
76% eng
Black Horse
28%
82% eng
Mercedes-Benz
34%
79% eng
BMW / Alphera
52%
50% eng
Stellantis
75%
35% eng
VW engages on 92% of cases and wins 80%. You engage on 50% and win 48%. The pattern is clear.
This is what we see.
233 decisions. Every outcome, every ombudsman, every failure pattern — mapped and analysed.
We can show you which cases to fight, which to concede, and how to close the engagement gap that's costing you outcomes.
See our complaints solution
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