01254 82288001254 822880
December 10, 2025 
Daniel Lee Is the FCA’s motor finance redress consultation just a box-ticking exercise? The FCA insists its motor finance consumer redress scheme is still at the consultation stage. It tells the market it’s “seeking views”, that nothing is final, and that it’s open to changing the design. But today, we’ve seen something that makes that claim look […]
December 3, 2025 Daniel Lee Twice Hit by Discretionary Commission: How GAP Insurance Got Caught in the Crossfire Many people have now heard of discretionary commission arrangements (DCAs) in motor finance, the unlawful and hidden setup where dealers could quietly tweak the interest rate on a motor loan and pocket more commission when the customer paid more. The FCA has […]
November 27, 2025 Daniel Lee Discretionary Commission in GAP Insurance – Evidence submitted to the FCA While the motor finance mis-selling scandal rumbles on, we’ve been digging into another product that is usually sold in the same showroom, at the same desk, often in the same rushed conversation: GAP (or RTI) insurance. And what we’ve uncovered in black and white […]
November 14, 2025 Daniel Lee Why we keep re-educating FOS on GAP — and why that has to change Opinion — We are the leading firm raising GAP concerns and complaints in the UK. Week after week, we’re forced to re-educate Financial Ombudsman Service (FOS) investigators about the basics: fair value, commission and distribution chain remuneration. Too often, FOS decisions […]
November 5, 2025 Daniel Lee The tide is turning on motor finance — and the industry’s spin is finally unravelling Response to the APPG on Fair Banking’s report: “Car Finance Scandal: Assessing Redress (Nov 2025)” For years, lenders and their misinformed lapdog cheerleaders insisted there was “no harm here”, warned of economic Armageddon if consumers were compensated, and lobbied for […]
October 8, 2025 Daniel Lee 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 […]
