Motor Finance Commission Review
Update: 03 November 2026
On 02 July 2026, the Financial Conduct Authority (FCA) announced that parts of its Motor Finance Consumer Redress Scheme are temporarily on hold while a legal challenge is considered by the courts.
The Upper Tribunal has now confirmed it will hear the legal challenges to the FCA’s motor finance compensation scheme between 16 February to 03 March 2027.
Until that process has finished, compensation assessments and payments under the FCA scheme are on hold. We’ll update customers as soon as there is further clarity.
You can find out more information about the scheme and how it works on the FCA's website.
If you already have an open complaint
If you’ve already complained to us about motor finance commission arrangements and we haven’t confirmed that your case is closed, you don’t need to do anything.
We’ll continue reviewing your complaint and contact you if we need more information.
If the FCA's scheme doesn’t apply to your complaint:
We'll continue to handle your complaint as normal.
We'll either send you our final response within eight weeks or write to explain if we need more time to complete our investigation.
If your complaint is covered by the Scheme, but no compensation is due:
We're preparing outcome letters for customers who are not due compensation.
We’ll continue to review complaints and progress cases where possible. This means that some customers may receive their outcome letter before the Scheme begins.
If your complaint is covered by the Scheme and compensation may be due:
Because of the ongoing legal challenge, compensation cannot currently be calculated or paid.
We'll contact you when the court process has concluded and the FCA provides further guidance.
Understanding your outcome
If you're covered by the FCA’s scheme, we'll send you a provisional redress decision explaining:
- whether compensation is due;
- how we reached our decision;
- what you need to do next;
- how to challenge the decision; and
- your rights to refer the matter to the Financial Ombudsman Service.
View & download the FCA factsheet for customers who have complained to their lender
If you haven’t made a complaint
You can still do so using our online form. However, you don’t need to submit a complaint to be included in the FCA’s redress scheme.
View & download the FCA factsheet for customers invited to join the scheme
What this means for compensation
At this stage, no decision has been made about whether compensation may be payable. The legal challenge means that firms are not currently required to calculate or pay compensation under the FCA's motor finance compensation scheme.
Once there is an outcome, we’ll follow the FCA’s requirements and let you know what happens next. If the outcome changes how complaints need to be handled, we’ll let you know what this means for your complaint.
Stay alert to scams
The FCA has warned that some customers may be targeted by scams relating to motor finance compensation. These communications may ask for personal information, such as your name, address, date of birth or bank details.
If you receive an unexpected call, email, text message or letter about compensation, please take care before sharing any personal information.
If you're unsure whether a communication is genuinely from us, you can verify our contact details on the FCA website before responding.
Motor Finance Commission FAQs
We understand that you may have questions about motor finance commission and the FCA's review. This FAQ section provides answers to some of the most common questions about the review, what it could mean for customers, how complaints are being handled and where to find further information.
All complaints are important to Stellantis Financial Services. Any complaints you are still awaiting a response on are subject to further regulatory scheme guidance. This will ensure our response is accurate, fair and consistent with regulatory expectations. We are currently awaiting guidance before proceeding. We are committed to resolving all aspects of your concerns thoroughly.
Each agreement is considered separately, and you may receive updates about different agreements at different times.
Some agreements may also be affected by the FCA's Motor Finance Consumer Redress Scheme and the current position of the scheme. This means you may receive correspondence about agreements that are not part of the scheme before receiving an update about agreements that are.
For the latest information on the scheme, please visit the FCA website.
At this present moment in time, there has been no formal timescale advised by the FCA.
Identifying a relevant arrangement determines whether the case moves to the unfair relationship assessment, but it does not itself prove unfairness or loss. The FCA has considered several exclusions from the scheme this includes, Zero % APR.
Zero % APR deals have been excluded by the FCA as customers accepting these deals are unlikely to have negotiated or shopped around for a better deal.
No, this exclusion has been determined by the FCA as part of the overarching scheme.
Yes, the FCA sought feedback from consumer groups and financial institutions prior to finalising the details of the scheme.
As a financial institution we have used the records of your agreement with us to determine whether you fall within the exclusions included by the FCA. You do have the rights as a consumer to challenge (object) the decision. In the letter you have received, you will find a QR code, which when scanned will take you to a ‘Portal’.
- Log into the Portal using your unique login credentials
- Select ‘Objection’
- Enter the reason(s) for why you are objecting
- Continue to ‘Evidence’
- In the ‘Evidence’ section upload the documents you wished to be reviewed
- Submit your objection
Under scheme rules, consumers have 1 month from raising their objections to submitting their evidence.
On receipt of evidence lenders have 2 months to review and provide an update.
The FCA’s review covers Hire Purchase, Personal Contract Purchase (PCP) and Conditional sale finance agreements.
This applies to consumers, sole traders, and partnerships only. If you’re a limited company or Limited Liability Partnership (LLP) and you’ve taken our finance with us, you aren’t going to be impacted by this review.
A scheme case is an agreement that meets the FCA’s criteria to be reviewed under this redress scheme. It means we’ve identified that your agreement falls within the scope of the scheme and includes features, such as commission arrangements, that need to be assessed. It doesn’t mean anything has gone wrong — it simply means your agreement qualifies for a formal review.
Being a scheme case doesn’t automatically mean you will receive compensation.
That refers to how the broker were paid in connection with your agreement. The FCA requires firms to look at those arrangements, particularly where commission was involved, to check whether they could have influenced how your agreement was set up or priced. Where we identify a relevant arrangement, we must assess whether it resulted in an unfair relationship and whether it caused you any loss.
Identifying a relevant arrangement doesn’t automatically mean compensation is due.
If you have been bankrupt or entered into an IVA, this may affect who is entitled to receive any compensation. In some circumstances, compensation may need to be paid to the Official Receiver, a Trustee in Bankruptcy or an Insolvency Practitioner instead of directly to you.
If we need any further information from you, we will contact you.
Free and independent advice
You can contact the following not-for-profit organisations for free, confidential and impartial debt advice, or for details of where to get such advice in your area:
Money Advice Service
For free, unbiased and easy-to-access money tools, information and advice, visit www.moneyadviceservice.org.uk or phone 0800 138 7777 to speak to a Money Adviser.
Money Advice Scotland
If you live in Scotland, phone 0141 572 0237 or visit www.moneyadvicescotland.org.uk to find contact details for debt advice in your local area.
Citizens Advice Northern Ireland
If you live in Northern Ireland, phone 0800 028 1881, email debt.advice@citizensadvice.co.uk or visit www.citizensadvice.co.uk for debt advice.
Advice UK
Member centres offer debt advice including specialist advice for minority communities and people with disabilities www.adviceuk.org.uk or phone 0300 777 0107.
Christians Against Poverty (CAP)
For free debt advice in your home, check post code coverage at www.capuk.org then call 0800 328 0006.
Citizens Advice;
For advice and information on debt and other topics, visit your local Citizens Advice (address in the phone book) or go to www.citizensadvice.org.uk.
National Debt Line
If you live in England, Wales or Scotland phone 0808 808 4000 or visit www.nationaldebtline.org for debt advice and information.
Step Change
For debt advice throughout the UK phone 0800 138 1111 or visit www.stepchange.org.
The Lighthouse Club Charity
Free 24/7 Emotional, Physical & Financial Wellbeing Support for Construction Workers & their Families.
- 0345 605 1956 (UK)
- 1800 939 122 (ROI)
Civil Legal Advice
You may get legal aid if your home is at risk. Check at www.gov.uk/civil-legal-advice or phone 0345 345 4345.
Yes. If you are the executor or administrator of the estate, or are acting on behalf of the estate, please submit your enquiry using our online form.
To help us review the matter, we may ask for supporting documents, such as a copy of the death certificate, together with information that helps us identify the customer and their agreement.