ECO Annual Statements breach

What this means for you and answers to your questions

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.

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 4AACan I complain if I don't have a copy of my agreement? 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 Complete our form to check if commission models were used in your agreement, or complete the complaints form to complain.Can I get someone I trust to manage this for me? 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.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/).Is there any compensatory interest being paid? The extent and calculations used for redress have been developed in consultation with the FCA. Our approach to redress calculation does not attract compensatory interest on top of the refund, considering the type of breach of CCA and with regards to the relevant legislation in force.

Published at 1 January 1

1 January 1