Motorists Urged to Understand Their Rights
Motorists Urged to Understand Their Rights
Introduction
Following the Supreme Court ruling, UK consumers may be entitled to compensation if hidden commissions were added to their car finance agreements. The Financial Conduct Authority (FCA) has paused complaint deadlines until after December 2025 to design an orderly redress scheme. This means there is no immediate time limit or need for urgent action.
If you think you may have been affected, we can connect you with a trusted specialist firm that will assess your agreements and guide you through the claims process. With a No Win, No Fee* service, you won’t pay anything unless your claim is successful.
For millions of UK motorists, this is a critical opportunity to reclaim money they should never have paid. Here's why you should consider taking action:
More Than Just One Problem: The Two Pillars of Mis-Selling
The scandal is now understood to rest on two major legal pillars:
Discretionary Commission Arrangements (DCAs): The now-banned system where dealers could hike your interest rate to boost their own commission.
Undisclosed or Excessive Commissions / Secret Commissions: The principle that undisclosed, improperly disclosed or disproportionately large commissions may render a finance agreement unfair or expose the lender to redress.
This second pillar is hugely significant. It means millions more people, even those whose agreements didn't involve a DCA, may have a strong case for compensation. The simple test is this: were you clearly told your dealer was earning a commission for arranging your finance? For the vast majority of people, the answer is a firm "no."
Why You Can't Afford to Wait
The Financial Conduct Authority (FCA) has paused the complaints deadline until after December 2025 to organise a fair redress scheme. While this may sound like you have plenty of time, acting now is essential.
A Claims Tsunami is Coming: Once the pause is lifted, lenders will face a deluge of millions of claims. Submitting your claim now means your claim will be ready to progress as soon as the process resumes
Evidence Gathering Takes Time: Many of these agreements are over a decade old. Finding the records can be a challenge. Starting the process now gives us the time needed to conduct a thorough investigation and locate your agreements.
Be Ready to Claim: The FCA has extended some deadlines, but these are not permanent. Taking action now means your information will be prepared should you have a valid claim.
PCPclaimDirect Makes it Easy
While you are entitled to complain directly to the lender, the process can be complex and time-consuming. Understanding whether a settlement offer is fair can require expertise.
At PCPclaimDirect, we manage the entire journey for you on a No Win, No Fee* basis.
• We Investigate for You: We use our systems to locate your past finance agreements, removing the hassle of digging out old paperwork.
• We Build Your Case: Our team submits a professionally drafted, formal complaint to the lender on your behalf.
• We Fight for a Fair Outcome: We handle all the correspondence and will negotiate to ensure you receive the full compensation you may be entitled to.
Ready to find out if you were overcharged? Our check takes only a minute.
The opportunity for financial justice is here, but it requires action. Don't get left behind.
