This official action is the clearest sign yet that compensation is coming. Here’s a breakdown of what the FCA is doing and why it’s crucial to log your claim as soon as possible.
City analysts are now predicting that the final bill for compensating UK drivers in the car finance scandal could exceed £15 billion. This staggering figure would make it the most significant consumer redress event since the PPI scandal. With the FCA and the Supreme Court firmly on the side of consumers, massive payouts are now a matter of when, not if. As this huge liability looms over the financial sector, a key question arises: who exactly will be paying the price for this mis-selling?
In a landmark moment for UK consumers, the Supreme Court delivered a decisive ruling in July 2025 that has cemented the legal foundation for millions of car finance claims. This judgment from the highest court in the land is a game-changer, removing legal uncertainties and confirming that hidden commissions were unfair.
Did you use a finance deal to buy a car, van, or motorbike before January 2021, you might be have been unfairly overcharged. A widespread industry practice involving hidden commissions has been brought to light, and it could mean you are owed significant compensation.
With each passing week, the true scale of the UK's car finance scandal becomes clearer, and the message from regulators and consumer experts is unanimous: if you had car finance, now is the time to act. What started as concerns over one type of commission has exploded into a nationwide issue, potentially affecting nearly half of all finance agreements signed over a 14-year period. For millions of UK motorists, this is a critical opportunity to reclaim money they should never have paid. Here’s why the call to action has become so urgent.
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