FCA Motor Finance Compensation Scheme – Policy Update - If you entered into a Hire Purchase (HP) agreement for a motor vehicle after 6 April 2007, your agreement may have included a commission arrangement between the dealer or broker and the finance provider. If so, and if your agreement meets the criteria set by the Financial Conduct Authority (FCA), you may be entitled to redress. You can still make a complaint about this, but the FCA has temporarily paused lenders’ responses to motor commission complaints. Lenders are not required to respond until 31 May 2026. Read more

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23rd December 2025

December update on Commissions and important information for the FCA

On 3 December 2025, the FCA confirmed that the pause on lenders responding to complaints regarding motor finance commissions has been extended until 31 May 2026. This extension provides us with the necessary time to prepare our responses effectively, while ensuring that customers continue to receive fair and timely outcomes.

What you should know: 

  • An update on the extension to the pause on responding to motor finance commissions complaints – 👉 The FCA
  • If you have not yet made a complaint and wish to do so, you can find full details in our Complaints Handling Procedure section here:
    👉 Make a Complaint | Specialist Motor Finance
  • If you have already submitted a commission-related complaint, you do not need to take any further action. Your complaint will remain paused until 31 May 2026. Please note this date may change once the FCA publishes its final rules.
  • We will continue to monitor FCA developments closely and update customers as new information becomes available. In the meantime, you can learn more about the FCA’s work on motor finance commission complaints here:
    👉 Car finance claims | FCA