At Locksley Law we are dedicated to helping everyday people reclaim what is rightfully theirs. Specialising in consumer law, we focus on cases involving Discretionary Commission Arrangements (DCAs) in mis‑sold PCP or hire‑purchase agreements. Following the Supreme Court ruling of 1 August 2025, non‑discretionary (fixed‑fee) commission claims are more limited in certain contexts, but borrowers may still be able to pursue case‑specific ‘unfair relationship’ claims under the Consumer Credit Act where high commissions or inadequate disclosure are relevant.
We are here to guide you through the legal process with clarity, integrity and genuine care. Locksley Law Solicitors is authorised and regulated by the Solicitors Regulation Authority (SRA Number: 659355), ensuring that we operate to the highest standards of professionalism and ethics.
We stand up for you when you’ve been misled or pressured into a car finance agreement. We may be able to help you recover compensation if you are eligible.
With our legal expertise in consumer law, we will do the hard work to help identify any potential complaints and raise them with your lender.
We work hard on your behalf and, where appropriate, only charge fees if your claim succeeds. We operate on a No Win, No Fee basis , meaning you only pay if compensation is successfully recovered.
If your claim is resolved under the FCA redress scheme, our fee is between 18% and 36% (inclusive of VAT) of the compensation recovered.
If your claim proceeds to court and succeeds, our total deductions are capped at 40% plus VAT of the amount recovered.
All terms are clearly set out in your client agreement. Our priority is to act in your best interests and to progress your case fairly, transparently, and effectively.
For full details about our fees and how we handle your personal data, please see our Our Costs page and Privacy Policy page.
We always put your best interests first, ensuring honesty and transparency at every step of the process.
With specialised experience in Consumer Law, we deliver knowledgeable, up-to-date advice and representation
We understand the stress and uncertainty of legal disputes, and we’re committed to providing a supportive and understanding service.
From the moment you contact us, we keep you informed and involved in your claim. We believe in open communication, clear updates, and complete honesty throughout every stage of your case.
We operate on a No Win, No Fee basis under a formal Conditional Fee Agreement (CFA). This means you only pay our legal fees if your claim is successful.
For Financial Conduct Authority (FCA) redress or non-court settlements, our total fee is capped between 15% and 30% plus VAT, depending on the complexity and outcome of your case.
For court proceedings or issued claims, our total deductions, including our basic charges, success fee, and disbursements, will not exceed 40% plus VAT of the compensation recovered.
These caps ensure that you always keep the majority of any compensation and that our charges remain within the Solicitors Regulation Authority (SRA) and FCA fee rules.
For a full breakdown of our fees, funding options, and cancellation rights, please see our Our Costs page.
Locksley Law Solicitors is committed to providing clear, accurate, and consistent information across all of our client materials.
The fee details, funding terms, cancellation rights, and data-protection information shown on this page match those set out in your Conditional Fee Agreement (CFA), our Client Care Pack, and our Privacy Policy.
This ensures that the guidance you receive before, during, and after instructing us is always consistent, transparent, and compliant with the Solicitors Regulation Authority (SRA) and Financial Conduct Authority (FCA) rules.
For further information, please review our Our Costs and Privacy Policy pages.
Disclaimer: While an FCA-led redress scheme may allow consumers to submit complaints directly and free of charge, outcomes may be lower, and the full scheme details remain uncertain. Locksley Law keeps clients informed of all available options as new FCA guidance is issued.
To protect client information and streamline document management, Locksley Law Solicitors uses Flyyr, a secure, GDPR-compliant digital platform, for the signing of documents and verification of client identity.
Flyyr acts as our data processor, meaning it handles your personal information only on our written instructions and never uses or shares it for its own purposes. All data processed through Flyyr is encrypted in transit and at rest, stored securely on UK or EEA-based servers, and retained only for as long as necessary to meet legal and regulatory requirements.
This ensures your personal data is managed in full compliance with the UK GDPR, Data Protection Act 2018, and Solicitors Regulation Authority (SRA) confidentiality obligations.
You can learn more about how your information is protected and processed in our Privacy Policy.
Our experienced team are ready to help you pursue financial fairness, using our extensive knowledge of the Consumer Law.
Locksley Law Solicitors is authorised and regulated by the Solicitors Regulation Authority (SRA Number: 659355), ensuring that your case is handled under strict regulatory standards.
Your case is unique, and so is our approach. We provide personalised advice and regular updates to keep you informed every step of the way.
At Locksley Law, we know that facing a legal dispute can be daunting. That’s why we’re here to make the process as clear and stress-free as possible. We’re committed to protecting your rights and ensuring that every client feels supported and empowered throughout their journey.
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 4 December 2025. 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.
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