
GAP Insurance: “Double-Dip” Commission, Sales Targets and the Contract Behind the Sale Your Money Claim has obtained a commercial agreement between a major motor-finance broker, with a panel network of thousands of dealerships, and a major policy administrator. It reveals a combination of pricing arrangements, additional commission opportunities and restrictions on competing products that demands […]

GAP Insurance Scandal: Will the FCA Finally Respond Now an MP Is Involved? Today, 15th October 2026, a serving Member of Parliament submitted our substantive letter concerning the GAP insurance mis-selling scandal to the Financial Conduct Authority under their own cover letter, following a recent meeting to discuss the evidence. This is an important development […]

ITC Denied Setting Its GAP Insurance Commission. The Contract Says Otherwise. The sheer audacity of ITC Compliance Limited’s representations to the Financial Ombudsman Service (FOS) is quite extraordinary. In a recent GAP insurance complaint, ITC, and it’s Peter Vardy dealership, attempted to distance itself from responsibility for setting the commission it received. Unfortunately for ITC, […]

A Major Lender May Have Been Setting Its Own GAP Insurance Profit, and the Evidence Is Growing Evidence emerging from a growing number of cases suggests that one well-known motor finance lender may have purchased GAP insurance at a base price, decided how much profit it wished to retain and then presented the combined figure […]

“Buried” in 92 Pages: FOS Failed to Investigate the Complaint, Then Refused to Admit It There is a basic expectation of the Financial Ombudsman Service, that before reaching a view on a complaint, it should read the complaint, understand the issues and consider the evidence. That is not an ambitious service standard or an unreasonable […]

Allen Ford’s Stunning GAP Insurance Admission – Missing Commission Figures, Unanswered Questions and the FCA Copied In Allen Ford’s response to our report of misconduct was intended to defend its handling of a GAP insurance complaint. In our view, it has instead exposed a serious problem… the dealership says it does not possess the information […]