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.
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Complaints publication report
Specialist Motor Finance : Complaints Publication Data
Period covered in this report: 1st July 2025 to 31st December 2025.
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Number of complaints opened by volume of business |
Number of complaints opened by volume of business |
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| Product / service grouping |
Provision (at reporting period end date) |
Intermediation (within the reporting period) |
Number of complaints opened |
Number of complaints closed |
Percentage closed within 3 days |
Percentage closed after 3 days but within 8 weeks |
Percentage upheld |
Main cause of complaints opened |
| Credit related |
134.5 complaints per 1000 accounts |
N/A |
9,364 |
1,015 |
14.30% |
60.80% |
21.90% |
Commission |
