Home › Types of car finance claims
Types of car finance claims
Most car finance claims are about commission the dealer earned without telling you. Here's what's covered and what isn't.
Last updated 7 October 2026
Commission claims
Most car finance claims are about commission. Lenders paid dealers commission for arranging finance and often didn't explain how much, or that the dealer could raise your interest rate to earn more. These claims are what the FCA's compensation scheme covers, and they're what Consultation Claims handles.
- Discretionary commission arrangements: the dealer could set your rate.
- High commission: at least 39% of the cost of credit and 10% of the loan.
- Undisclosed ties: the dealer had a deal giving one lender first refusal.
By type of finance
- PCP claims
- Hire purchase claims
- Conditional sale agreements, which work much like HP
Other car finance problems
Some car finance complaints aren't about commission, for example if a lender didn't check you could afford the payments, or you were charged too much to settle early. These aren't part of the FCA's commission scheme. You can raise them with your lender and then the Financial Ombudsman Service, for free.
Keep up to date
You don't have to use a claims management company. You can complain to your lender, and then to the Financial Ombudsman Service, for free.