Motor Finance Commission

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.

We know this ruling will have raised a lot of questions; we’re carefully reviewing the details and making sure we’re understanding what this means for us and our customers. If you’re directly impacted, we’ll be reaching out with further updates in due course.

In response to the ruling, the FCA announced on 3 August 2025 that it will consult on a redress scheme, with the intent to publish the consultation by early October and finalise details for any compensation scheme for 2026. This scheme will cover Discretionary Commission Arrangements (DCAs) and consider whether any non-discretionary commission arrangements should also be included. We will provide further updates when we can, but for now, there is no further action to be taken until the FCA consultation is complete towards the end of 2025.

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 now given firms until after the 4 December 2025 before they have to start responding to any type of motor finance commission complaint (including DCAs).

At the start of August, the FCA confirmed their intent to consult on a redress scheme which is planned to be published by early October 2025. Confirmation of the outcome, including which motor finance agreements will be in scope for any potential compensation, is expected to be published in late 2025.
The redress scheme is expected to cover DCAs and consider whether any non-discretionary commission arrangements should also be included. Any compensation scheme 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 have indicated that this may be extended 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

For all impacted customers, we’ll be providing further updates in due course. You do not need to take any action yet and we won’t have any further detail to provide if you call us. However, if you do wish 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.

Motor commission finance complaints FAQs

What is commission? Commission is usually a payment, in this case a payment made by the finance provider to a dealer or broker when a customer takes out a finance agreement.What is the Financial Conduct Authority (FCA) review that’s happening? In January 2024 the Financial Conduct Authority (FCA) shared that they would review motor finance 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 pause was then widened on 20 December 2024, so 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 share 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. The complaint handling pause is still in place and the deadline for us to respond to customer complaints has been extended to after 4 December 2025. As a result, we will not be in a position to issue final responses to commission complaints until after this date. 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. You can read more about the timelines on the FCA's [website](targetBlank:https://www.fca.org.uk/consumers/car-finance-complaints). Was there a DCA or non-DCA commission in place on my agreement? Complete the form to find out. We’ll check your agreement and confirm if there was a DCA or non-DCA commission applied as soon as we can. 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 complaint handling pause is still in place and the deadline for us to respond to customer complaints has been extended to after 4 December 2025. - 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. - 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. - You can read more about the timelines on the FCA's [website](targetBlank:https://www.fca.org.uk/consumers/car-finance-complaints). We will provide responses in line with the FCA’s timeframes. You can submit a motor finance information request or complaint [here](targetSelf:https://www.ayvens.com/en-gb/motor-finance-commissions-complaint/). If I had a DCA or non-DCA commission, how long will it take for you to confirm this to me? Complete the form to find out. We’ll check your agreement and confirm if there was a DCA or non-DCA commission applied as soon as we can. 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 complaint handling pause is still in place and the deadline for us to respond to customer complaints has been extended to after 4 December 2025. - 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. - 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. - You can read more about the timelines on the FCA's [website](targetBlank:https://www.fca.org.uk/consumers/car-finance-complaints). We will provide responses in line with the FCA’s timeframes. You can submit a motor finance information request or complaint here [here](targetSelf:https://www.ayvens.com/en-gb/motor-finance-commissions-complaint/). If I didn’t have a DCA, can I still make a complaint about commission? Yes. Please complete the form and provide clear details about the nature of the complaint and your agreement so we can log and investigate this for you. On 20 December 2024, the FCA announced that ALL complaints relating to motor commission on regulated agreements will be subject to the extended pause. This means that we will not be in a position to issue final responses to commission complaints on regulated agreements until after 4 December 2025. 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. You can complete our motor finance complaints form [here](targetSelf:https://www.ayvens.com/en-gb/motor-finance-commissions-complaint/).Will I get a copy of the information I share with you if I complete the online form? Yes. You will receive an auto-acknowledgement with the details after submitting your completed form, so you know the system has received it. This email will be encrypted so you can be assured that your data is protected. Your details will then be reviewed by the team and they will contact you directly to confirm if you have a DCA or a non-DCA commission that is in scope of the FCA investigation. Does it matter when I took out my agreement? For DCA commission queries, yes. DCA models were banned by the FCA from 28 January 2021, so if you took out a Hire Purchase or Personal Contract Purchase motor finance agreement after this, you shouldn’t have paid any discretionary commission. If your agreement was taken out before 28 January 2021, complete the [form ](targetSelf:https://www.ayvens.com/en-gb/motor-finance-commissions-complaint/)and we will let you know if a DCA was used in your motor finance agreement. Can I submit an information request or complaint if I don't have a copy of my agreement, or if I took out my agreement a long time ago? We’ll need some information from you to find your agreement, including your name, address at the time you signed the agreement, and your date of birth. It would help if you could share: - Vehicle make and model - Account or agreement number - Registration number - Dealer or Broker name - When the vehicle was delivered to you (can be approximate) You can submit a motor finance information request or complaint [here](targetSelf:https://www.ayvens.com/en-gb/motor-finance-commissions-complaint/). Can I get someone I trust to manage this for me? Yes. Please call us on 0344 755 0000 to give us the full name of the person you want to authorise to deal with your request or complaint. We can then deal with this person for you. To safeguard you, they’ll need to give your personal details and their own to discuss your request or complaint. Can I put in an information request or complain about an agreement held by someone who has died? Yes, you can if you are an executor of the estate or close relation. We’ll ask you to share some supporting documentation, such as a copy of the death certificate and some details about the customer to allow us to identify and verify the correct agreement. Please fill out the form with the customer’s information and add a note in the ‘Any additional information’ field, along with your own name and contact details. This will help us to understand the situation and support you appropriately. You can submit a motor finance information request or complaint [here](targetSelf:https://www.ayvens.com/en-gb/motor-finance-commissions-complaint/).