Motor Finance Commission Complaints
On 30 March 2026, the Financial Conduct Authority (“FCA”) published the final rules for its industry-wide Motor Finance Consumer Redress Scheme (PS26/3)
This scheme covers certain motor finance agreements involving commission arrangements between 6 April 2007 and 1 November 2024.
Several parties, including CA Auto Finance UK, have referred the Motor Finance Consumer Redress Scheme to the Upper Tribunal for independent review which will result in delay in any compensation payments.
On 2 July 2026, the FCA announced that parts of its Motor Finance Consumer Redress Scheme have been temporarily suspended following an order of the Upper Tribunal while legal proceedings are ongoing.
As a result, lenders are not currently required to calculate or pay compensation, or issue compensation decisions required under the scheme, until the Tribunal proceedings conclude.
What this means for your complaint
For further information about how this might affect your complaint, please refer to the announcement available on the FCA website: www.fca.org.uk/
If your complaint is within scope of the redress scheme, compensation payments are unlikely to commence until 2027
If your complaint is not within scope of the redress scheme, you will receive a further update from us by:
- 18 November 2026, if your agreement began on or after 1 April 2014 and you complained by 30 June 2026.
- 18 January 2027, if your agreement began before 1 April 2014 and you complain by 31 August 2026.