You may be aware of press coverage in relation to motor finance commission complaints.

Although the Financial Conduct Authority (FCA) published a redress scheme on 31st March 2026 about how such complaints should be handled
(details can be found here: Millions of car finance customers to get payouts this year | FCA), this has now been legally challenged, with some saying the scheme is unlawful. We have outlined how this may affect any claims you have submitted.

Customer Update

• The legal challenge is unlikely to go to court before October 2026.
• We are unable to provide further updates until we receive guidance from the FCA.
• We are keeping your complaint on file and will respond once there is clarity.
• You do not need to contact us in the meantime, as we cannot progress your complaint until we have further clarity.
• We recommend that you await our direct contact when a clear update and timeline are available.

For customers who wish to make a complaint

• You can contact us now and we will temporarily place your complaint on hold until we have verified whether your agreement falls under the scheme.
• We will contact you automatically if you are owed redress, even if you do not make a complaint.
• If you wish to register a complaint, please use this form and select ‘Motor Commission’ from the dropdown for type of enquiry.

We will also contact any customers who previously received a final response related to a commission complaint.

If you engage a claims management firm to act on your behalf, you may lose a significant portion of your compensation due to fees.
You do not need a law firm or claims management company (CMC), which may charge over 30% of any compensation.
The FCA recommends that you do not sign up to multiple CMCs or law firms as you may be charged multiple fees.
If you have used a CMC or law firm and are unhappy with how they have handled your case or the fees charged, you should complain.