GAP Insurance: A Fresh Discretionary-Commission Scandal Hiding in Plain Sight A recent complaint response has confirmed a Discretionary Commission Arrangement (DCA) on a GAP insurance sale—and shows the dealer charging well beyond a stated 50% commission ‘cap’ agreed by the GAP distributor. This is exactly the kind of incentive structure that has been discovered and […]

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 What dropping the judicial review would mean for fair redress Barclays has withdrawn its legal challenge against the Financial Ombudsman Service (FOS) decision, which upheld a client’s complaint about motor finance mis-selling.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 […]

Motor Finance: Protecting Yourself When Buying Your Next Vehicle When buying a car, especially through dealership-arranged finance, many consumers may have assumed that the dealership is there to find the “best deal” for them. The recent Supreme Court motor finance ruling made it clear that this is not the case — and understanding why could […]

💥 Supreme Court: Lenders Admit They Never Acted in Customer Interests The dust is settling following the long-awaited Supreme Court judgment on motor finance commission, and while some media outlets spun it as a victory for lenders, the deeper reality paints a very different picture — and one that could prove devastating for the finance […]