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 […]

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 […]

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 […]

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 […]