---
title: "DCA Car Finance Claims Explained"
canonical: "https://carfinancerefundletter.co.uk/topics/dca-car-finance-claims"
modified: "2026-05-16"
---
# DCA Car Finance Claims Explained

_Last updated: 2026-05-16_

A DCA car finance claim is a complaint that your lender or broker used a discretionary commission arrangement so your interest rate could be inflated without fair disclosure. If that applies, you may be owed redress under FCA rules and the upcoming industry scheme.

## What is DCA in car finance?

Discretionary commission arrangements allowed dealers or brokers to increase your APR and earn more commission. The FCA banned new DCAs from January 2021, but many agreements before that date may still be eligible for review and compensation.

## How this relates to “find my DCA claim” and refund searches

Consumers often search for “dca car finance”, “dca claim”, or “find my dca claim” to check eligibility and estimate refunds. Use our free calculator for an illustrative amount, then generate a PS25/18-style complaint letter to send yourself, keeping any compensation in full (unlike typical 25 to 30% plus VAT CMC fees).

## FAQs

### Is DCA the same as mis-sold car finance?

DCA complaints are one major type of motor finance mis-selling claim. You can also complain about undisclosed commission or unfair relationships under the Consumer Credit Act, since the letter tool covers the grounds relevant to your case.

### Do I need a claims company for a DCA claim?

No. You can complain free to your lender. This site helps you create the PDF letter and correct address. You submit it yourself.

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