We help UK clients pursue refunds for mis‑sold finance agreements through a No‑Win, No‑Fee arrangement. Contact us to find out whether your agreement may be unfair.
Following the Supreme Court’s ruling on 1 August 2025, the Financial Conduct Authority (FCA) has now released its consultation paper — CP25/27 – Motor Finance Consumer Redress Scheme.
This paper sets out how a potential nationwide compensation scheme could operate for customers who took out car-finance agreements involving undisclosed Discretionary Commission Arrangements (DCAs).
While the FCA consultation is open, most new and ongoing complaint investigations remains open until 12 December 2025
Under the current proposal:
All figures and timeframes are provisional and may change once the FCA publishes its final rules in 2026.
The Supreme Court confirmed that:
Our legal teams continue to progress all existing client matters already lodged.
For anyone who has not yet submitted a complaint, making an early complaint ensures you are included when the FCA’s scheme goes live.
We remain ready to review each case once the FCA confirms the final redress process in 2026.
We act on a No Win, No Fee basis.
If your case succeeds, our fee is between 15% to 30% plus VAT.
Example: If you are awarded £700 in compensation, our fee would be £210 + VAT (£42) = £252, leaving you £448.
At Locksley Law, We help clients challenge unfair car finance practices and pursue compensation where they are eligible. Under the Supreme Court ruling of 1 August 2025, only agreements involving Discretionary Commission Arrangements (DCAs) may form the basis of a valid claim, while fixed-fee commission agreements are excluded.
Our role is to simplify the process, explain your options clearly, and provide professional representation you can rely on. We operate transparently under the highest regulatory standards, legal fees capped at 15% to 30% + VAT if your claim is successful.
This SRA digital badge verifies that Locksley Law is authorised and regulated by the Solicitors Regulation Authority.
We review car‑finance agreements for evidence of unfair practices associated with Discretionary Commission Arrangements (DCAs). A DCA occurs where a broker can adjust a customer’s interest rate to receive a higher commission from the lender. The Financial Conduct Authority prohibited DCAs in 2021.
Following the Supreme Court ruling of 1 August 2025, while non-discretionary (fixed-fee) commission claims are more limited in certain contexts, borrowers may still pursue case-specific ‘unfair relationship’ claims under the Consumer Credit Act where factors such as high commission or inadequate disclosure are relevant. These issues are not part of the FCA’s redress process and may not result in compensation. In some situations, they can only be challenged through separate legal routes and outcomes are uncertain. If you believe you were misled about your finance agreement, our team can review the documents and advise whether there may be grounds for further action.
Important: Claims relating to balloon payments, hidden charges or other non‑DCA issues are not covered by the FCA’s redress scheme. Eligibility depends on individual circumstances and may require separate legal action. Outcomes cannot be guaranteed. Please refer to our full disclaimer below.
Reclaim hidden commissions and unfair costs from your car finance deal
Compensation for undisclosed payments to brokers and lenders
Get refunds for excessive or mis-sold balloon payment terms
If you believe your car finance agreement involved unfair charges or hidden commissions, our team is here to help. We’ll review your case, explain your options clearly, and guide you every step of the way.
Use our free check today to see if you are eligible for a claim.
Please note that our free check is an initial assessment only and does not guarantee that your claim will succeed. Eligibility depends on your individual circumstances and the terms of your agreement.
2a Egerton Crescent | Manchester United Kingdom | M20 4PN
Locksley Law Solicitors is a trading name of RH Law Limited – This firm is authorised and regulated by the Solicitors Regulation Authority SRA Number – 659355; Company Number – 11444626; ICO Registration Number – ZA567603; VAT Number – 338 5514 87; A list of Directors is available for inspection at the company’s registered offices
Disclaimers
Eligibility depends on your individual circumstances and the terms of your agreement. While commissions are not unlawful per se, unusually high or unexplained commissions may be unfair. Any figures shown are for illustrative purposes only. FCA timelines and scheme rules may change. This page provides general information and does not constitute legal advice.
The Financial Conduct Authority (FCA) has indicated that consumers making a car finance complaint may receive on average £700 in compensation or less, although actual outcomes vary depending on individual circumstances. You can read more directly on the FCA website here.
Other issues such as balloon payments, affordability concerns or hidden charges are not included in the FCA’s redress scheme. In some cases, these types of complaints may not succeed. In very limited situations, other legal routes might be available, but these are uncommon and success is uncertain.
You do not need to use a claims management company or solicitors to pursue a complaint regarding motor finance commission arrangements. Consumers are entitled to submit complaints directly to their lender and, if necessary, to the Financial Ombudsman Service (FOS), free of charge.
The Financial Conduct Authority (FCA) is currently consulting on a potential redress scheme for certain motor finance commission complaints. During this consultation period, lenders have been granted an extension and are not required to issue final responses to eligible complaints until 31 May 2026. This temporary pause does not prevent consumers from submitting complaints during this time.
If you wish to raise a concern about our service or conduct, you can contact the SRA at sra.org.uk.
Locksley Law Solicitors
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Important Notice Regarding Messages Claiming to Be from Locksley Law Solicitors
We have been made aware that some individuals are receiving messages, particularly via WhatsApp, that claim to be from Locksley Law Solicitors.
These messages are not sent by us. The individuals receiving them are not clients of our business, and the messages do not relate to genuine claims we are instructed on.
Please Note
Locksley Law Solicitors does not contact members of the public via WhatsApp regarding claims, settlements, or payments. The FCA has paused all Motor Finance payments while their investigation is ongoing, so no settlements have been made yet.
We will never ask for payment or bank details through unofficial messaging channels, and we would not request such details until the conclusion of your claim.
We may contact you by text message to obtain up-to-date information, including proof of identification or to request that you sign any new paperwork related to your claim. If you are unsure if the communication you have received is genuine, please do not hesitate to contact us by calling 0330 127 1950, or emailing us on
