New update following the FCA announcement
On 30 March 2026, the Financial Conduct Authority (FCA) published its final outcome on the motor finance redress scheme. We are now reviewing the details and will update this page with more information as soon as possible.
Whilst we review this information, please be mindful of scam calls. The FCA have warned potential scammers may attempt to contact customers offering fake compensation, to try and collect their personal details, such as your name, address, date of birth and bank details.
If any thing unexpected comes through - whether a message, call or email - please take care. Any communication from us on this topic will come from commissionclaims@vwfs.co.uk or commissionsqueries@vwfs.co.uk or via the post. If you’re ever unsure if a communication is genuine please contact us and we’ll be able to verify this for you. If you would like any information on how to help protect yourself from scams, please click here.
For further information on the FCA's work on Motor Finance Commissions, please visit Car finance claims | FCA.
What this means for you
The FCA previously placed a complaint handling pause on motor commission complaints until after 4 December 2025. They have now extended this date to the 31 May 2026.
If you’re a non-lease customer who has submitted a commission complaint
If you’ve previously submitted a complaint or claim about motor finance commissions, please be assured that your case remains under review with us unless we have already written to you with a final response letter informing you that your complaint has been closed.
Now the FCA has published its approach to motor finance redress, we’ll be reviewing all existing open complaints and will contact you directly if any further information or action is required.
For further information, please see our FAQs. Thank you for your patience and understanding.
If you’re a lease customer who has already submitted a commission complaint
The FCA announced on the 3 December that customers who used car finance to lease a vehicle will be outside the scope of the FCA’s future redress scheme. This means the pause in coming back to your complaint has now been lifted.
As a result we will be writing to you in the coming weeks. This will be our final response confirming the outcome of your complaint.
If you haven’t complained, but would like to do so
You can submit your motor commission complaint by using the form below. Please include as much information as you can to help us find your agreement. Once you've made a complaint, we will send you an acknowledgement so you know we've received it.
Porsche Customers
For Porsche agreements entered into before 1 July 2010, Porsche finance was provided by Black Horse Limited (trading as ‘Black Horse’). Please redirect your motor commission complaint to Black Horse Motor commission complaints.
Frequently asked questions - UK
Supreme Court Judgment on Motor Finance Commissions
What is the UK Supreme Court judgment about?
The UK Supreme Court delivered a decision regarding commissions in motor finance agreements.
How does this affect me?
Earlier this year, the Financial Conduct Authority (FCA) confirmed that it will consult on a potential redress scheme to review certain commission arrangements within the industry.
Now the FCA has published the final outcome about this issue, we’ll be reviewing all existing open complaints in line with the guidance they have provided. We are working to complete our review of the FCA outcome as soon as possible and will keep our FAQs up to date with more information in due course.
I’ve already made a complaint or claim – what happens now?
If you’ve previously submitted a complaint or claim about motor finance commissions, please be assured that your case remains under review with us, unless we have already written to you with a final response letter informing you that your complaint has been closed.
Now the FCA has published the final outcome about this issue, we’ll be reviewing all existing open complaints in line with the guidance they have provided. We are working to complete our review of the FCA outcome as soon as possible and will keep our FAQs up to date with more information in due course.
Where can I get updates?
We’ll update this page as soon as more information becomes available.
I’ve received a call regarding compensation, was this you?
We are not currently contacting customers regarding potential compensation relating to commissions. The Financial Conduct Authority (FCA) has made us aware that there are potential scammers attempting to contact customers offering fake compensation, to try and collect their personal details, such as your name, address, date of birth and bank details.
If you receive one of these potential calls or scam messages, please hang up the call immediately and do not reply to the message.
If you are based in England, Wales or Northern Ireland you can report the scam attempt to Action Fraud, which is the UK’s centralised fraud centre on 0300 123 2040 or via their website Action Fraud.
If you are based in Scotland, please report this directly to the police by calling 101.
Who are the known Third party Scam Websites replicating us?
The FCA has published the names of two websites using our trademarked names without permission. They are also not authorised or regulated by the FCA. Please do not engage with these websites.
Do I need to use a third party to raise a commission enquiry?
You do not need to raise any commission enquiries via a third party such as a solicitor or claims management agency. You can contact us directly via our Motor Finance Commission Complaint Form.
I’ve already raised a commissions enquiry via a third party. Who do I send questions to?
If you have already contacted a third party and you have any questions on this process, the best thing to do would be to contact them directly to understand how they will manage your enquiry.
However, you may find some useful information on how this process will work by visiting www.sra.org.uk/motor-finance-compensation.