Category: Tips & Tricks

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.