We're Taking a Short Pause
We're currently making updates to our advertising and sign-up processes. As part of this, and in agreement with the Financial Conduct Authority (FCA), we have temporarily paused new customer sign-ups while these improvements take place.
This follows recent developments in the motor finance industry. The FCA has confirmed it is developing an industry-wide compensation (redress) scheme to ensure customers are treated fairly and compensated where appropriate. You can read more about this directly from the FCA here.
This pause does not affect existing customers. Your information and any ongoing referrals remain secure, and we'll continue to keep you updated as the situation develops.
We appreciate your patience and continued trust in us. If you have any questions, please contact us here.
Updated FCA Motor-Finance Information
(as of 3 December 2025)
The Financial Conduct Authority (FCA) has recently published new information about how complaints involving hidden or unfair commission in motor-finance agreements will be handled. As part of the FCA's consultation, an industry-wide redress scheme is expected to begin in 2026, covering eligible agreements taken out between 6 April 2007 and 1 November 2024.
Because the scheme is still being finalised, many motor-finance firms may now have until 31 May 2026 to issue final responses to certain commission-related complaints. This means it may take longer than usual for customers to receive an outcome, depending on the type of finance agreement and the nature of the complaint.
Based on the FCA's latest modelling and consultation data, most customers are expected to receive around £700 per agreement under the proposed scheme. This is lower than earlier industry estimates. Any older figures you may have seen — including estimates around £4,000 — are no longer accurate following the FCA's updated position.
Please also note that any example amounts shown previously were before the deduction of any solicitor success fees.
What This Means for You
Your claim may take longer to be resolved
Because lenders have been given more time, it may take until 2026 for some customers to receive a final response.
You may still receive compensation if your agreement is eligible
If your motor-finance agreement included an unfair or undisclosed commission arrangement, you may be entitled to a refund under the proposed FCA scheme.
The average payout is expected to be around £700
This is an estimate, not a guarantee. Your individual outcome may be higher or lower depending on your agreement and circumstances.
It's your choice how you make a claim
You can complain yourself, for free, either directly to your lender or to the Financial Ombudsman Service.
Older high-value examples are no longer relevant
Higher amounts previously used in industry advertising do not reflect the FCA's latest findings.
The FCA and the Solicitors Regulation Authority (SRA) periodically issue important statements on vehicle finance mis-selling and discretionary commission arrangements.
For the most current information on regulations and timelines please refer to these links:
Your Choice Matters
You do not need to use a claims management company to make a complaint or claim compensation. You can make a complaint to the car dealer, lender, or finance provider directly for free, and if that's not successful, you can take your case to the Financial Ombudsman Service (FOS) yourself, also free of charge.
Our Role and How We Work
We are a regulated Claims Management Company (CMC), but our permissions only allow us to introduce or refer customers who may have a potential claim to authorised solicitors who handle these cases.
We do not handle claims ourselves, make decisions about compensation, or provide legal advice.
If you decide to be referred, your chosen solicitor will review your case and handle any potential claim directly with the finance provider. We may receive a payment from the solicitors after a successful claim payout or a referral fee from the solicitor for introducing you to them — this will not come out of the compensation you may receive.
No Win, No Fee Representation
All solicitors we refer customers to operate on a No-Win, No-Fee basis. This means you won't pay anything if your claim is unsuccessful.
If your claim is successful, the solicitor will deduct a success fee, which is typically between 18% and 36% (including VAT), depending on the level of redress you receive.
Before you agree to proceed, you should carefully read the solicitor's Terms and Conditions and make sure you understand how their fees and services work. You will always receive these documents directly from the solicitor before you decide whether to go ahead.
Please refer to our No Win No Fee page for further information
No Win No Fee InformationThis page was last updated on 08/12/2025
