Motor finance commissions
What’s going on in the industry, and how to find out if you had a discretionary commission arrangement.
Decisions on motor finance commission cases from the Court of Appeal and the Supreme Court - What it means for Ayvens in the UK
The latest Supreme Court ruling concerning car dealers and third-party lenders in relation to motor finance is a significant moment for our industry.
At LeasePlan (trading as Ayvens) we work closely with partners to offer mobility solutions to our customers, including vehicle finance. On 25 November 2024, the Court of Appeal ruled that commission from a lender providing motor finance should be disclosed, and the customer should give informed consent to the payment. This decision was appealed to the Supreme Court and the Supreme Court ruling was announced on 1 August 2025.
In response to the ruling, the FCA started consultation on their proposed redress scheme on 7 October 2025. We will provide further updates when we can, but for now, there is no further action to be taken until the FCA consultation completes, and the FCA confirm the final details, expected by early 2026.
For more details on the FCA announcement, please visit: FCA compensation scheme for motor finance customers.
LeasePlan (trading as Ayvens) carefully consider all developments and have made changes to how we onboard our customers. As always, our focus is on doing the right thing – ensuring fair outcomes for customers and supporting a transparent, well-regulated motor finance market.
The FCA’s review on motor industry finance commission
In January 2024 the Financial Conduct Authority (FCA) shared that they would review motor finance Discretionary Commission Arrangements (DCAs) and how these have been handled across the motor finance industry today and in the past.
On 24 September 2024, the FCA released an update to the ongoing review and issued further guidelines. The complaints pause was then widened on 20 December 2024, so the FCA have given firms until after the 4 December 2025 before they have to start responding to any type of motor finance commission complaint (including DCAs).
From 7 October 2025, the FCA began consultation on a redress scheme. Confirmation of the outcome, including which motor finance agreements will be in scope for any potential compensation, is expected to be published by early 2026.
- Any compensation scheme activity is likely to start in 2026.
- The current complaint handling pause is still in place and the deadline for us to respond to customer complaints will be after 4 December 2025, however, the FCA are consulting on extending this deadline further. As a result, we will not be in a position to issue final responses to commission complaints at this time.
- If you have already contacted us and received confirmation that you are currently in scope of the FCA review, you do not need to do anything further at this time. We will reach out to you as soon as we have any updates.
- You will have more time to refer complaints to the Financial Ombudsman when a final response is issued. Instead of the usual six months, you have until 29 July 2026, or 15 months from the date of the final response letter, whichever is later. The timelines will be confirmed in the final response letter we send you.
- Alternatively, if you have received confirmation that your query / complaint was outside of the FCA review, you don’t need to contact us again. If your agreement is impacted by the redress scheme, we’ll be in touch once the details have been finalised by the FCA.
Submitting a motor finance commission information request or complaint
If you want to check whether your agreement included a DCA or wish to make a complaint relating to motor finance commission, please submit a motor finance information request or complaint here. For any complaints that do not relate to motor finance commissions, please visit our Complaints page.
What happens once we have your information request or complaint?
Completing our online form is the most effective way to submit your request or complaint. This will enable us to create a case file and locate your agreement, then confirm whether a DCA or non-DCA commission applies and if you are in scope for the FCA investigation. We’ll reply as soon as we can, but we are experiencing a high volume of requests, so thank you in advance for your patience.
Once we have had further guidance from the FCA, we’ll then be able to investigate the specifics of your complaint and give you a formal response. The FCA have now given firms until after the 4 December 2025 before they have to start responding to any type of car finance commission complaint (including DCAs). The FCA intend to confirm their next steps within 6 weeks of the Supreme Court's decision, including if they will be proposing a redress scheme. The FCA hopes to provide an update on motor finance non-DCA commission complaints at the same time.