Last updated: 2026-05-16
Car Finance Mis-selling Compensation Eligibility
You may have a complaint if you had a regulated motor finance agreement where commission or interest was unfairly structured or inadequately disclosed. Common patterns include DCAs before 2021 and undisclosed commission. Eligibility dates and product scope are subject to final scheme rules.
Typical eligibility windows (verify against current FCA guidance)
Many references use agreements between 6 April 2007 and relevant cut-off dates for the proposed scheme. Leasing and certain products may be treated differently (see PS25/18).
Frequently asked questions
- Does HP or PCP matter?
- Both can be in scope for commission complaints. Scheme eligibility may still differ by product, so check FCA exclusions (such as certain leasing under proposed redress).