Information for customers
The Financial Conduct Authority’s compensation scheme has been legally challenged and has been partly suspended, which will delay potential compensation. The challenges are expected to be heard in court (Upper Tribunal) on either 14 to 18 December 2026 or 16 to 26 February 2027.
We’ll provide more updates on this page once available.
What you should know:
The FCA has completed its review into vehicle finance commissions. There’s a proposed compensation scheme to review agreements which may have been unfair. This relates to customers who bought a motor vehicle using finance between 6 April 2007 and 1 November 2024.
Complaints about agreements covered by the FCA’s scheme have been paused because of a legal challenge. This will delay any potential compensation. We’ll get in touch when we know more.
When we’ll respond to you depends on when your agreement started and when you complained.
Agreement start date | When you complained | When we'll aim to respond |
| Before - 1st April 2014 | On or before the 31 August 2026 | By January 18 2027 |
| After 31 August 2026 | Within five months | |
| On or after 1 April 2014 | On or before 30 June 2026 | By 18 November 2026 |
| After June 30 2026 | Within five months |
We’ll respond to complaints about agreements that aren’t covered by the FCA’s scheme as soon as possible.
STEP 1
Check your details to complain about commission
Enquire online
Our online form is the quickest way to make a complaint about commission linked to your vehicle finance. It takes less than 5 minutes to complete. Once you’ve submitted your complaint, you’ll get an email receipt.
For other types of complaint, or if you’re making a complaint on behalf of someone else, contact our complaints team.
STEP 2
Our specialist complaints team will review your information
If we find your vehicle finance agreement, we'll raise a complaint for you.
STEP 3
The FCA put in place a pause in responding to customers complaints about commission. This will ensure complaints are dealt with fairly by all vehicle finance lenders.
The pause is currently due to end 31st May 2026.
Latest information from the FCA around their review of commission arrangements and consultation into a compensation scheme.
Updates from the FOS on vehicle commissions complaints
You can find more information on our complaints handling procedure here.