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

Updated 17/12/2025

The 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'll 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 in 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. On 20 December 2024, the complaint handling pause was widened to include any type of motor finance commission complaint (including non-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 in early 2026.

On 3 December 2025, the FCA confirmed a further extension of the complaints handling pause would apply for credit agreement complaints, but the previous end date of 4 December 2025 would remain for leasing agreement complaints. The FCA have confirmed that leasing (also known as hire) agreements will be excluded from the redress scheme.

The current complaint handling pause for credit agreements (e.g. Personal Contract Purchase or Hire Purchase agreements) has now been extended to 31 May 2026. As a result, we will not be in a position to issue final responses to commission complaints at this time.
The complaint handling pause for leasing or hire agreements (e.g. Personal Contract Hire or Contract Hire agreements) ended on 4 December 2025. Customers who have registered a complaint that has been subject to this pause, will receive a final response letter or further communication within eight weeks of this date (or the original date of receipt prior to the start of the complaint handling pause).
Any compensation scheme activity for in-scope agreements is likely to start in 2026
Hire or leasing agreements (e.g. Personal Contract Hire or Contract Hire agreements) are excluded from any potential motor finance compensation scheme.
If you have already contacted us and received confirmation that you are currently in scope of the FCA complaint pause, you do not need to do anything further at this time. We will reach out to you as soon as we have any updates or once we have issued a final response to your complaint.
Depending on when you complained to us, you may have more time to refer complaints to the Financial Ombudsman when a final response is issued. The timelines will be confirmed in the final response letter we send you.
If you do really need to contact us about an existing commission query or complaint, the most effective way is by responding to our latest email communication to you. This ensures that the right team will see and address your query. 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.

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. DCAs are limited to regulated credit agreements where the brokers were permitted to adjust the interest rate offered to a customer to obtain higher commission, so if you had a hire agreement it would not have involved a DCA as defined by the FCA.

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 and look into your request. 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.

Motor commission finance complaints FAQs

What is a redress scam and how do I know if I’m being contacted by a scammer and not Ayvens? The FCA have identified that scammers are attempting to impersonate firms like Ayvens to get your personal details, like date of birth and banking information, under the guise of arranging compensation payouts. Important: - There is no compensation scheme in place yet. We will update this web page when the scheme details are confirmed by the FCA. - Motor finance lenders are not yet contacting customers about compensation. - If someone calls claiming to offer compensation, customers should hang up immediately and not share any information. - When the redress scheme is in effect, Ayvens will communicate any instructions in writing. If you receive an email or letter that looks suspicious or is not from an official @ayvens.com mailbox or a letter with our branding and postal address on envelopes and letter headed paper\*, please do not respond. For more information from the FCA on how to protect yourself from scams, or how to report scam calls to Ofcom, click [here](targetBlank:https://eur03.safelinks.protection.outlook.com/?url=https%3A%2F%2Ffla.us18.list-manage.com%2Ftrack%2Fclick%3Fu%3D7c66563a5b6c421a9c1bd60ae%26id%3D14eb20b3fd%26e%3D16591a0883&data=05%7C02%7Ccaroline.wall%40leaseplan.com%7Cd0093d81206c4fc1a5b008dddf33d361%7Cfbe056391dac4eecbcfbdb00743d3e24%7C0%7C0%7C638912135927335843%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&sdata=d16%2BFKd3pTBTtEJrJpjeInKmRwo9f93NS5JYPutKTEQ%3D&reserved=0). \*Our registered address is: LeasePlan (trading as Ayvens), 165 Bath Road, Slough, Berkshire, SL1 4AAWhat 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. On 20 December 2024, the complaint handling pause was widened to include any type of motor finance commission complaint (including non-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 in early 2026. On 3 December 2025, the FCA confirmed a further extension of the complaints handling pause would apply for credit agreement complaints, but the complaints handling pause would end on 4 December 2025 for leasing agreement complaints. The FCA have confirmed that leasing (also known as hire) agreements will be excluded from the redress scheme. Was there a DCA or non-DCA commission in place on my agreement? DCAs are limited to regulated credit agreements where the brokers were permitted to adjust the interest rate offered to a customer to obtain higher commission, so if you had a hire agreement it would not have involved a DCA as defined by the FCA. You can complete the form to raise a complaint and get further information on your agreement. We will let you know whether your complaint is part of the FCA pause, or, if it’s not we will look to investigate and issue a response to your complaint. You can read more about the timelines on the FCA's [website](targetBlank:https://www.fca.org.uk/consumers/car-finance-complaints). If I had a DCA or non-DCA commission, how long will it take for you to confirm this to me? DCAs are limited to regulated credit agreements where the brokers were permitted to adjust the interest rate offered to a customer to obtain higher commission, so if you had a hire agreement it would not have involved a DCA as defined by the FCA. You can complete the form to raise a complaint and get further information on your agreement. If you had a DCA then your complaint will be included in the FCA pause, so we won’t be able to issue a response yet. 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/). What can I do if I have a commission-related complaint about my hire agreement? The FCA have confirmed that leasing (also known as hire) agreements will be excluded from the redress scheme. If you have a specific commission complaint regarding your leasing or hire agreement, we will be able to look into your concerns and issue a response to you within eight weeks. If you’ve been told that your agreement sits outside the scope of the FCA’s redress scheme rules, but now have additional complaints that are not covered by the final response sent to you, please respond to our latest communication by email and we will see how we can support you. Alternatively, please submit any new [motor finance information requests or complaints here](targetSelf:/en-gb/motor-finance-commissions-complaint/)You have rejected my commission complaint as I had a leasing or hire agreement, what can I do now? The FCA have confirmed that leasing (also known as hire) agreements will be excluded from the redress scheme. Any hire agreements will sit outside the scope of those rules. Before issuing a final response, we’ll have checked your agreement and considered any concerns raised. The final response will detail the outcome, what was considered, and your rights to refer your complaint onwards. If you have received a final response, but now have additional complaints that are not covered by the final response, please respond to our latest communication by email and we will see how we can support you.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/).