If you bought your car on finance, you could be owed compensation.
Millions of UK drivers were charged hidden commissions on car finance — without being told.
DISCRETIONARY COMMISSION ARRANGEMENTS (DCAs)
What it’s about
Agreements between April 2007 and January 2021. Under these arrangements, car dealers or brokers could increase the interest rate you were offered, and earn more commission by doing so.
Many customers were never clearly told that the dealer’s commission depended on the rate they paid. Regulators have since raised concerns about whether this was fair or transparent, and whether customers fully understood how their finance deal was priced.
We help you identify whether a DCA may have been used in your agreement, verify what that means for you, and explain your options clearly and simply.
14m+
Agreements may fall within the regulator’s review¹
£8.2B
Amount lenders may face in compensation under the proposed scheme²
95%
Amount of UK motor finance agreements involved some form of commission
Why it matters
Claim and Protect
Motor finance commission wasn’t always obvious, but it could have cost you thousands in extra interest. If a discretionary commission arrangement was used without proper disclosure, you may be entitled to compensation.
Taking action now means:
- You can check whether you were affected
- You won’t miss out if a formal compensation scheme applies
- You stay informed and protected if further action is required
If you don’t check, you may never know whether you overpaid — or whether you’re entitled to claim.
Motor Claim FAQ's
What is a motor finance commission claim
A motor finance commission claim looks at whether a Discretionary Commission Arrangement (DCA) was used in your car finance agreement without being clearly explained to you. These arrangements allowed dealers or brokers to increase your interest rate in return for higher commission. If this wasn’t properly disclosed, you may be entitled to compensation.
Who could be affected?
You may be affected if you took out car finance between April 2007 and January 2021, and the finance was arranged through a car dealer or broker rather than directly with a lender. This includes PCP, HP, and other motor finance agreements.
Do I need my original paperwork?
No. While documents can be helpful, they’re not essential. We can often identify and verify relevant agreements using basic information such as your name, vehicle details, and approximate dates.
How much could I be owed?
Compensation depends on whether commission was used, how your agreement was structured, and how much extra interest you may have paid. In some cases, this can amount to hundreds or even thousands of pounds, but every claim is assessed individually.
How it works?
Tell Us About Your Finance
Share a few basics about your car finance agreement such as when you took it out, the lender or broker, and how it was arranged. This helps us see if a discretionary commission arrangement (DCA) may apply.
We Check Your Eligibility
We review your details against known criteria around discretionary commissions to see if your agreement may have been affected.
We Explain What Happens Next
If your agreement looks eligible, we’ll clearly explain what that means and introduce you to one of our regulated partners who can take the claim forward.
Your Claim Is Handled by a Regulated Partner
Once referred, your regulated claims partner manages the claim process, keeps you updated, and handles everything required under FCA rules.
We are a claims management company and can introduce you to a regulated claims handler. You don’t need to use a claims management company or third party to present your claim. You can claim yourself for free by writing to your finance provider, and if unsuccessful to the financial ombudsman service.
Please note that the FCA are consulting on an industry wide redress scheme and you can find out more here Car finance claims | FCA
Motor Finance Checks
Check Your Claims Eligibility
Find out if your motor finance agreement could be affected
Answer a few quick questions to see whether a discretionary commission arrangement may apply to you. There’s no obligation, and it only takes a minute.
If you qualify, we’ll review your information and explain what it means in plain English — including whether commission may have affected your deal and what options are available. There’s no cost to check and no pressure to proceed.
“Sed ut unde omnis iste natus sit volur tatem accus antium laudan tium totam rem aperiam eaque ipsa ab illo inventore veritatis et architecto beatae vitae dicta sunt explicabo..”
Michael Robert
Newyork
Simplicity Claims Ltd is authorised and regulated by the Financial Conduct Authority for regulated claims management activities. FRN: 1047045. Our regulated services include the introduction to third-party claim handlers for which we receive a fee. This fee will not be taken from your compensation. We also offer non-regulated products such as tax claims and flight delay claims.
¹ MoneySavingExpert summary of FCA proposals (2025)
² FCA press release — Motor Finance Compensation Scheme consultation (2025)
³ Reuters / Bloomberg analysis of FCA data (2025)
⁴ Industry data cited by consumer legal sector