UK car finance commission claims
Millions of UK drivers were sold PCP and HP car finance with hidden dealer commission baked into the interest rate. The FCA has confirmed a redress scheme. We check, we chase, we get you paid.
Free eligibility check · No win, no fee · Takes about 90 seconds
Illustrative redress, based on FCA scheme averages
before statutory interest (typically 3%+ simple per year)
Real figures depend on your agreement, commission rate and how long you held it — not everyone qualifies.
Quick check
Any car finance agreement taken out between 2007 and 2024 could be in scope — PCP, HP, or similar.
If the dealership (not you directly) sorted the loan, they were probably paid a commission by the lender.
You were never clearly told the dealer earned more when your interest rate went up. That's what the FCA scheme is about.
How we got here
The UK's Financial Conduct Authority has publicly confirmed a motor finance redress scheme. Here's the short version of how we arrived here.
Discretionary commission arrangements were standard practice across UK car dealerships. Dealers could quietly raise your interest rate to earn a bigger cut.
The FCA banned discretionary commission arrangements on new motor finance agreements.
Courts ruled that hidden commission arrangements were unfair to consumers (Johnson v FirstRand and related judgments).
FCA confirms the motor finance redress scheme in Policy Statement PS26/3, setting out how lenders must review and pay affected customers.
Four lenders and one consumer body challenged the scheme at the Upper Tribunal. Parts of the timetable are currently paused. You can still complain free to your lender or the Financial Ombudsman.
What's actually on the table
Figures reference the FCA's Policy Statement PS26/3 (motor finance consumer redress scheme, March 2026). Compensation is not guaranteed. The scheme is currently subject to legal challenge at the Upper Tribunal, and eligibility depends on the specifics of your agreement.
How it works
A short form — lender, rough dates, car if you remember. About 90 seconds.
We handle the paperwork with the lender and, if needed, escalate under the FCA scheme.
No win, no fee. If your claim doesn't succeed, you pay us nothing.
FAQ
Yes, and we want you to know that. You can complain directly to your lender at no cost, and escalate to the Financial Ombudsman Service for free if you're not satisfied. We charge a fee because we do the work for you — chasing lenders, handling correspondence, and following the FCA scheme rules. It's your choice.