Blue Motor Finance in administration

Robbiec74

I had contact from the administrator of Blue Motor finance to say my complaint is logged with them. Although I understand my payout will likely be pennies in the pound.
because I used Zuto as credit broker I understand they hold joint responsibility so took complaint to them and received a flat rejection referring me to the administrator of blue motor finance.

This is what I sent them in response.

Dear Zuto Customer Care Team,

Thank you for your email. I do not accept your position, and I object to Zuto passing this complaint to the lender's administrators as a means to avoid its own regulatory liability.

To be absolutely clear: my complaint is filed directly against Zuto Limited in your independent capacity as my credit broker.

Under FCA CONC 4.5 rules and the Consumer Credit Act, credit brokers hold a distinct and separate fiduciary duty of care to ensure that any commission, remuneration, or Discretionary Commission Arrangement (DCA) is transparently disclosed to the consumer prior to contract execution.

While Blue Motor Finance retains liability as the lender, Zuto holds joint and several liability as the broker that actively arranged the agreement and accepted the undisclosed commission. The administration of the lender does not erase Zuto's independent regulatory failures from 2019.

I require Zuto to formally log and investigate this dispute as a complaint against Zuto Limited. Do not forward or assign my rights away to a third party.

If you refuse to issue a Final Response Letter evaluating Zuto's broker liability within 72 hours, I will escalate this matter directly to the Financial Ombudsman Service (FOS) as a refusal to deal with a valid consumer dispute.

I look forward to your acknowledgment of this specific broker-focused complaint within 72 hours.

Yours sincerely,

I believe I have a good case against Zuto but am I doing the right things?

born_again

Log a complaint with Zuto over their stance. As FCA registered, there is then the right to go to FOS to rule on their take on their liability.

Lindsey.farrar

I have sent this to MSE hoping they might help

Subject: Defrauded & Stripped of Rights by a Pre-Pack Loophole: A Disabled Pensioner's Fight Against Blue Motor Finance

Hi Martin and the MSE Team,

I am reaching out to you because I am currently trapped in a predatory "split-entity" debt loophole that is stripping away my statutory consumer protections, and I know this is exactly the kind of corporate injustice you fight against.

Here is my story, which I hope you can feature or investigate to warn other vulnerable consumers:

• The Irresponsible Loan: In a clear breach of FCA CONC 5 rules, Blue Motor Finance Ltdapproved me for a £6,794 Hire Purchase loanwhile my only income was fixed state welfare benefits (State Pension, Pension Credit, and PIP). Even worse, I already had an active Motability lease assigned to my PIP. I was pressured into a deal that was completely unaffordable from day one.
• The Defective Car: The vehicle was fundamentally broken. Blue Motor Finance actually accepted legal liability in writing for over £2805.02 worth of pre-existing mechanical faults. I lawfully exercised my final right to reject the vehicle under the Consumer Rights Act 2015. The car was SORNed, remains a non-runner, and is still waiting to be collected.
• The Pre-Pack Loophole: On 30 July 2026, Blue Motor Finance went through a pre-pack administration handled by Ernst & Young (EY). In a highly inequitable move, the collection rights were handed to a new entity (Hodge MF Ltd), while all the consumer compensation liabilities and contract breaches were left behind in the insolvent shell. This split-entity mechanism is being intentionally used to bypass the Financial Ombudsman Service (FOS) and force me to pay a debt that should be completely wiped out.
• Predatory Practices: Following the administration, Hodge MF Ltd aggressively dipped into my account—unlawfully executing two Direct Debit transactions without my permission or notification. I had to trigger a formal Direct Debit Indemnity Claim through my bank to get my money back. This is a blatant breach of the FCA's Consumer Duty regarding vulnerable customers.
• Zero Disposable Income: I am fighting this claim in court, but even if a judge finds this debt technically enforceable, I am entirely judgment-proof. My benefits are completely swallowed up by essential disability and health costs, including a medically diagnosed Coeliac diet, high caravan winter utility bills, and private physiotherapy. According to Standard Financial Statement (SFS) guidelines, I have exactly £0.00 in disposable income and am requesting a court order of £0.00 per month.

The ongoing harassment and their refusal to collect this broken car have caused me severe sleep deprivation and worsened my chronic health conditions.

Companies should not be allowed to use pre-pack administrations as a shield to separate their right to collect money from their legal liabilities to the consumers they harmed.

Thank you for everything you do. I would love to share my full witness statements and evidence with your team if you can help shine a light on this loophole.