The FCA’s Redress Maths: why the “average‑of‑two” formula short‑changes consumers and neuters deterrence Opinion piece from Your Money Claim For years lenders and brokers pocketed hidden commissions and loaded increased borrowing costs onto motor finance customers. The FCA itself now accepts and admits that “many firms did not comply with the law,” with millions losing […]

After-hours drop: FCA to release motor-finance redress details today — and why a legal challenge is likely The FCA is set to publish details of its motor-finance redress scheme after markets close today. From our discussions with stakeholders and the FCA, coupled with recent FCA publications, we expect at least one legal challenge to follow […]

Barclays’ FOS U-turn? What dropping the judicial review would mean for fair redress Barclays has withdrawn its legal challenge against the Financial Ombudsman Service (FOS) decision, which upheld a client’s complaint about motor finance mis-selling. Having lost at the High Court Barclays had sought to challenge the decision at the Court of Appeal despite their […]

Where Are the Fines? Why “deterrence” keeps failing—and mis-selling keeps returning On 1st August 2025 the Supreme Court confirmed what many had long suspected – that motor dealerships were acting only in their own interests, and that consumers were often paying far more than they should be paying on their motor finance agreements due to […]