If you took out car finance using PCP, HP or another motor finance agreement, you may be able to check whether your agreement was affected by undisclosed commission arrangements. Free, no-obligation eligibility check.
The FCA Motor Finance Consumer Redress Scheme was introduced in March 2026, but parts of the scheme are currently suspended pending Upper Tribunal proceedings. The regulatory and legal position may change. Information on this website is general information and does not constitute legal or financial advice.
You may wish to check your potential eligibility if:
Answer a few quick questions to see if you may wish to have your agreement reviewed
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Enter your details so we can review your enquiry.
Based on your answers, you may be eligible to have your motor finance agreement reviewed. This is only an initial eligibility assessment and does not guarantee compensation or that you have a valid claim.
We need some additional information before your potential enquiry can be assessed. Submit your details and our team will review your enquiry.
Based on the information provided, you may be unlikely to qualify. However, you can still submit your details if you would like your agreement to be reviewed.
Agreements Potentially Affected
Relevant Time Period
Upfront Fees to Check
Eligibility Assessment
Helping UK consumers understand whether their car finance agreement may have been affected by commission arrangements
When you took out car finance, the dealer or broker may have received a commission from the lender. In many cases, this commission was linked to the interest rate you were charged — the higher the rate, the more commission the dealer earned. If this was not clearly explained to you, it may have affected the fairness of your agreement.
A Discretionary Commission Arrangement (DCA) is where a dealer or broker had the ability to adjust the interest rate on your finance agreement, with their commission increasing as the rate went up. The FCA banned this practice in January 2021, but many historic agreements may have been affected.
If you were not told that the dealer or broker would receive a commission, and especially if that commission was linked to your interest rate, you may not have been able to make a fully informed decision about your finance agreement. This could mean the relationship was unfair.
Following the Supreme Court judgment in Johnson v FirstRand Bank in August 2025, the Financial Conduct Authority (FCA) introduced the Motor Finance Consumer Redress Scheme in March 2026 to address potentially unfair relationships in historic motor finance agreements.
However, parts of the scheme have been suspended by the Upper Tribunal pending the outcome of legal challenges. As a result:
The regulatory and legal position may change as the Upper Tribunal proceedings continue. We will keep you informed of any relevant updates.
A simple process to help you understand whether your agreement may be affected
Fill in our quick form with your contact details and information about your finance agreement. It takes just a few minutes.
Our team reviews your enquiry and the details you have provided about your finance agreement and circumstances.
Where possible, we identify relevant information about your finance agreement and lender to assess the potential next steps.
We contact you to explain what we have found and what options may be available to you. No outcome is guaranteed.
Complete the form below and we will review your enquiry
Answers to common questions about motor finance claims
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