Motor finance, explained clearly
Plain-English reporting on the FCA's motor finance redress scheme, what it means for UK drivers, and the free routes available to complain.
Advertorial DisclosureMotor Watch Report is an independent advertorial site and receives referral fees for qualified leads sent to regulated claims firms. You can complain free of charge directly to your lender, through the FCA's redress scheme, or via the Financial Ombudsman Service. See our full disclosure.
What the FCA Motor Finance Redress Scheme Actually Means for Drivers
A plain-English breakdown of the Financial Conduct Authority's mass redress scheme covering PCP, HP and conditional sale agreements between 6 April 2007 and 1 November 2024.
14 May 2026
PCP, HP or Conditional Sale — Which Agreements the Scheme Covers
The three main types of car finance sold in the UK all sit within the FCA scheme. Here is how to identify which one you had and why it matters.
28 April 2026
Discretionary Commission Arrangements Explained in Plain English
Discretionary Commission Arrangements sit at the heart of the FCA's motor finance investigation. Here is what they are and why regulators consider them a problem.
10 April 2026
How to Check if Your Car Finance Deal Was Mis-sold
A step-by-step checklist to help you work out whether your PCP, HP or conditional sale agreement may have been mis-sold under FCA rules.
22 March 2026
Free Ways to Complain: Lender, FCA and the Financial Ombudsman Service
You do not need to pay a claims firm to complain about mis-sold motor finance. Here are the three free routes available to UK consumers.
1 March 2026