If you’ve taken out motor finance then it is highly probable that you were not advised of the amount of commission that was paid to the dealership by your finance provider (lender).

In August 2025 the Supreme Court issued a judgment which confirmed many commission arrangements between lenders and dealerships were unfair, and often unlawful.

Discretionary Commission Arrangements (DCA) – These arrangements saw lenders incentivise dealerships to increase the interest rate on motor finance agreements. The higher the interest rate was set at, the bigger the profit the lender makes on the deal, and the bigger the commission is paid to the dealership as a ‘thank you’.

These commission arrangements clearly impacted the interest paid by UK consumers across millions of motor finance agreements. Yet the regulator, the Financial Conduct Authority (FCA), either didn’t realise this was happening, or chose not to step in, even when it was raised by a whistleblower back in 2016.

In 2021 DCA’s were eventually banned, five years after the issue was brought to the attention of the regulator.

On 30th March 2026, ten years after the issue was brought to the attention of the regulator, the FCA announced that a Redress Scheme (a Compensation Scheme) was to be set up.

Under the Redress Scheme it is accepted by the FCA that UK consumers may not receive all of the overpaid interest charged as a result of the unfair, and often unlawful commission arrangements.

The Redress Scheme also provides that ‘Excessive Commission’, deemed to be 39% of the interest payable, and 10% of the amount borrowed, would result in compensation. The Redress Scheme also provides that ‘tied’ arrangements between lenders and dealerships, that allowed for a first refusal for lenders would be compensated (unless that tie was obvious to a customer).

There will be many motor finance agreements that do not meet the highly controversial criteria set under the Redress Scheme. However, some of these agreements may still be due compensation via alternative legal routes.

We can help to determine whether or not you may expect to receive compensation as a result of mis-selling, and deal with the finance provider and/or dealership at every step.

You are not required to use our services to pursue your claim and it is possible for you to present your claim for free to the company against whom you wish to complain in the first instance, and to to the Financial Ombudsman Service in the event your claim is rejected.

If you have already submitted a claim via another professional representative it may not be in your best interest to start a new claim about the same motor finance agreement.

GAP insurance is the next mis-selling scandal, in our opinion. We have submitted our evidence of systemic mis-selling to both the Financial Conduct Authority and the Financial Ombudsman Service.

GAP insurance was regularly sold alongside motor finance agreements, and therefore sold within the same culture of systemic mis-selling.

In general we see the cost of the GAP insurance product either being deducted from a customer deposit for the vehicle by the dealership, or financed under the motor finance agreement.

GAP insurance sales, like PPI, were driven by large commission payments made to those distributing and selling the product.

These commission payments regularly represented over 50% of the amount paid by UK consumers that bought the product. We have seen commission as high as 86.7%.

We have seen evidence of Discretionary Commission Arrangements (DCAs) within GAP insurance sale, where the dealership was allowed to set its own commission for selling the product to a customer. DCAs within motor finance have been deemed by the Supreme Court to be unlawful.

In addition, we see similar issues as we did in PPI, namely that the GAP product was unsuitable for the customers need, and often would not have paid out if called upon.

We can help to determine whether or not you may expect to receive compensation as a result of mis-selling, and deal with the finance provider and/or dealership at every step.

You are not required to use our services to pursue your claim and it is possible for you to present your claim for free to the company against whom you wish to complain in the first instance, and to to the Financial Ombudsman Service in the event your claim is rejected.

We are aware that times are difficult at present, with people’s finances often affected due to reasons beyond their control.

We also know that speaking to somebody about your financial circumstances may also be challenging.

We therefore wish to advise you of our trusted debt solution provider, Angel Advance.

Angel Advance has tailored its service to allow you to obtain advice and solutions via its online facility.

We believe this approach allows you to receive advice at your convenience, and puts you in control of choosing the solution that suits you best.

Help and guidance is available to you from one of their highly trained specialists in the event you wish to discuss your options further.

Had your PPI claim rejected?

Only received a partial award (after August 2017)?

Not yet made a claim?

The highly controversial Payment Protection Insurance (PPI) claim deadline may have passed, but all is not lost.

When PPI was added to a credit agreement (mortgages, loans, credit / store cards, hire purchase), the lender generally received a commission from the insurance provider.

In all cases we’ve seen, the lender chose not to inform the customer of the commission, and thereafter chose to keep this information from the customer.

This failure / refusal to disclose the commission, which on average were 67% of the amount paid by the customer, means that the customer was not provided with enough information to consider whether the policy represented value for money, and therefore created an unfair relationship.

We are currently working with our trusted partner and solicitor firm with respect to issuing a Group Litigation Order, estimated to be worth up to £18 billion.

With over 330,000 customers and over 1.2 million cases already signed up, we can check to see if you too could qualify.

Please do not worry if you no longer have the documentation from the lender as we can obtain this for you.

We will review the documentation, and if we believe you may qualify for compensation we will let you know, and then you can decide whether you want your case adding to the Group Action.

Please note that PPI generally stopped being added to credit agreements from around 2012/13, so if you’ve credit agreements opened after this time they would not have had PPI added.

Packaged Bank Accounts, or Paid For Bank Accounts as they’re sometimes referred to, have been mis-sold to MILLIONS.

With BILLIONS potentially due in compensation, Your Money Claim are the industry experts in beating the banks.

With approximately 1 in 5 UK consumers having been sold a Packaged Account we can carry out the checks and deal with the claim every step of the way.

For more information please click here.

You are not required to use our services to pursue your claim and it is possible for you to present your claim for free to the company against whom you wish to complain in the first instance, and to to the Financial Ombudsman Service in the event your claim is rejected.