UK FCA motor-finance consumer redress scheme

UK motor-finance agreements from 2007-04-06 through 2024-11-01 where lender-paid broker/dealer commission arrangements were not sufficiently disclosed and meet FCA eligibility thresholds may be covered.

Anmeldezeitraum: Anmeldefrist: 2027-08-31T00:00:00.000Z; Implementation periods run to 2026-06-30 for loans from 2014-04-01 and 2026-08-31 for earlier loans; consumers not contacted can complain to firms by 2027-08-31. Legal challenge may delay payments.
Geschätzte Auszahlung: ~GBP 829 typischerweise; FCA estimates GBP 7.5B redress at 75% uptake; average redress per eligible agreement GBP 829.
Abwicklungsstelle: Financial Conduct Authority

Voraussetzungen

People who used finance to buy a car, motorbike, van or campervan from April 6, 2007 through November 1, 2024 and commission was payable by the lender to the broker
The consumer was not told details of at least one of these arrangements: a discretionary commission arrangement; a high commission arrangement of at least 39% of the total cost of credit and 10% of the loan; or a contractual tie giving the lender exclusivity or a right of first refusal, except where the lender proves visible links with the manufacturer and dealer
Cases are excluded if the commission was GBP 120 or less for agreements beginning before April 1, 2014 or GBP 150 or less from that date, the borrower was not charged interest, or the discretionary commission arrangement was not used to earn discretionary commission
Cases are excluded where the lender proves in the limited circumstances allowed by the scheme that non-disclosure was fair or the consumer suffered no loss, including where a tie was not operated in practice or no better deal was available
Personal Contract Hire leases, agreements for business purposes, and agreements over GBP 25,000 entered before April 6, 2008 are excluded
Consumers who successfully complained to the Financial Ombudsman, had their claim determined by a court or accepted redress are excluded
Loans higher than 99.5% of other loans in the year are excluded
Firms may exclude cases involving only high commission and ending before March 26, 2020 if they show that commission being payable was clearly and prominently disclosed

Offizielle Quellen

Financial Conduct Authority
Quellenart: official
Quelle zuletzt geprüft: 26. Juli 2026

Prüfhinweis

Official FCA page confirms scheme, legal challenge/Upper Tribunal suspension, scope, dates, redress estimate, and average agreement value. Founder-approved for public catalog as monitor via app-compens-ai-approval-9013ac9c.

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