CA Auto Finance UK Reviews 

I used Car Finance 247 to arrange finance for a Ford Transit Luton van supplied by RW Motor Company in Cwmbran, Wales, who were operating from Unit 199, Springvale Industrial Estate, Cwmbran, NP44 5BL at the time. The finance was ultimately provided by CA Auto Finance Ltd on a 60-month agreement.

Less than two weeks after purchasing the van, I contacted the dealer because the AdBlue and DPF warning lights had appeared. I subsequently experienced serious mechanical problems including limp mode, loss of power, excessive smoking, thermostat issues and other engine-related problems.

Within around four months of purchasing the vehicle, TrustFord Dagenham documented significant mechanical issues. Their October 2024 records recorded a leaking radiator, coolant leak, front engine cover leak and oil leak from the front cover. Further work was required at TrustFord in December 2024, including replacement of the leaking radiator.

At the time, I was unaware of my rights under the Consumer Rights Act 2015. Had I understood my rights at the time, I would have seriously considered seeking to reject the vehicle rather than continuing to spend money trying to keep it on the road.

The van was essential for a newly established business I had started. As the problems continued, I could no longer rely on the vehicle for work and the situation ultimately contributed to me having to close the business.

I then voluntarily terminated the finance agreement and had to take out a £10,000 personal loan to fund the amount required to do so.

In total, I paid £12,301.98 directly to CA Auto Finance, excluding the additional money I spent dealing with the vehicle’s mechanical problems.

Unfortunately, the story didn’t end there.
After the vehicle was collected, the inspection report dated 5 June 2025 recorded a £1,313.98 damage estimate. I disagreed with the inspection findings at the time. Importantly, the same report recorded that the vehicle would not start due to a mechanical fault.

Months later, CA Auto Finance placed a £9,025 damage charge onto my account. They subsequently applied a £3,500 adjustment, leaving a balance of £5,525, which I am formally disputing.

I have not been provided with a satisfactory explanation of how the £5,525 was calculated or why it bears so little resemblance to the £1,313.98 damage estimate recorded at the time of inspection.

And this is the part I find particularly ironic:
I voluntarily terminated the agreement because the vehicle had developed serious problems and I could no longer rely on it — yet I am now being asked to pay £5,525 for alleged damage to that same vehicle.

My concerns did not suddenly appear when I terminated the agreement. They began less than two weeks after purchase when the AdBlue and DPF warning lights first appeared.

I have since found other online reviews and forum discussions describing negative experiences with RW Motor Company, including complaints relating to vehicle condition and problems arising after purchase. I cannot independently verify other people's accounts, but it is concerning to discover these accounts after going through my own experience.

I have also since discovered that RW Motor Company subsequently operated from 11 Blaenwern, Cwmbran, NP44 1TY, and that a business now trading as Cwmbran Motors is operating from the Springvale Industrial Estate. I cannot comment on the reasons for the change of trading name or the circumstances surrounding the businesses, but this is part of the history I have since uncovered.

I want to be fair to Car Finance 247: I am not claiming that they caused the mechanical problems or that they personally inspected the vehicle. My concern is that I used Car Finance 247 to obtain finance for this vehicle/dealer combination, and the overall experience that followed has been extremely costly and damaging.

The financial & personal consequences have been significant. I had to close a newly established business, take on substantial debt and have dealt with this situation for a prolonged period. It has had a serious impact on my mental health.

I've had a couple of car loans and on both occasions your decision to support my application was promptly delt with so i wasn't left wondering whether I was successful or not, which was very much appreciated and throughout my time with you you support was always available if needed

It was perfectly straightforward and easy. Quick and "painless" Thank you.

Really poor communication and constant back and forth with details required. I felt like the people dealing with my case had never done this before. In total fairness the lengthy delay was more down to the dealership than the finance company, but I would have expected you to deal with the issues rather than me and my wife having to constantly prompt and chase for updates. The overall experience was really difficult and the time taken to get anything moving forwards added significantly to the stress levels. Really dissatisfied with the service received, but felt that we had to complete to avoid further delays and stress!

Very quick decision and easy to use. Thank you

Great company to deal with, easy to set up an account with them and when requesting information/ settlement figure they were very quick to respond.

I would definitely use them in the future if I ever require finance.

As a Selling Car Dealer I called CA Auto Finance to ensure a customer finance agreement was clear, I dealt with Khalid and he was so professional and an absolute credit to his employer. Highly Recommended.

Excellent Customer Service.

If I could give zero stars, I would. Please read this before financing a vehicle with CA Auto Finance.
​I was sold a fundamentally faulty and dangerous Land Rover Discovery (the engine cut out at motorway speeds). When I rightfully tried to reject the unroadworthy vehicle after 3 days of ownership, CA Auto Finance fought me every step of the way. I had to take the case to the Financial Ombudsman Service (FOS) and have an engineer inspect the vehicle, it took over 12 months of paying £619 a month for a car I couldn't use, the ombudsman fully upheld my complaint in April 2026. The Ombudsman legally ordered CA Auto Finance to terminate the agreement, collect the vehicle, and refund my payments.
​Even after losing a binding legal decision, the nightmare continues to this day. While they eventually collected the car and paid the settlement, they blatantly refused to comply with the rest of the order. They have left a balance of over £30,000 sitting on my credit file for months, severely impacting my credit rating. When challenged, their customer service team told me they wouldn't remove it until the supplying garage paid them back—completely ignoring the fact that their commercial disputes have nothing to do with my consumer rights.
​To make matters even worse, months after the Ombudsman legally terminated the agreement, their collections department had the audacity to send me a "Notice of Sums in Arrears" demanding over £1,200 for a cancelled contract!
​This company has zero respect for consumer rights, basic safety, or even legally binding regulatory orders. You will have to fight them tooth and nail for months to get what you are legally owed. Save yourself the immense stress and finance your car anywhere else.

we're in the middle of a tricky novation and i must say the staff have been so helpful. Especially Khalid! what a star, thank you very much and to all the other members and departments we've had to pester the past few days.
:)

Very quick & helpful to get settlement.

Fast efficient no pressure service 2nd time with Ca very efficient

Top notch customer service, always willing to help.

Have never had any issues over the past 5 years. They always quickly and effectively deal with any correspondence or queries.

Very disappointing. Don’t allow you to settle the balloon payment by credit card

Great experience, fast and easy to complete the required documentation.

Easy to deal with actually answer the phone quick enough. Not too much automative stuff. Helpfull staff.

thanx , good service

The agent i dealt was extremely helpful & courteous. The agent was knowledgable and I got things do extremely quickly.