Lenders in scope
Which lenders are affected by the motor finance mis-selling review?
The FCA's review covers the motor finance market broadly. But some lenders operated Discretionary Commission Arrangements more extensively than others. Here's what is known about the major lenders.
Discretionary Commission Arrangements (DCAs) were used across most of the motor finance market before the FCA's ban in January 2021. That means consumers who financed a car through almost any mainstream lender during this period may have a potential claim. If you're not sure who provided your finance, that's not a problem. We can identify your agreements from basic personal details.
Black Horse Finance
Lloyds Banking Group
Black Horse is the UK's largest motor finance lender and one of the central figures in the mis-selling review. Lloyds Banking Group has set aside over £1 billion to cover potential motor finance redress liabilities.
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Close Brothers Motor Finance
Close Brothers is one of the lenders named in the Supreme Court's landmark judgment on motor finance commission in August 2025, having also featured in the Court of Appeal ruling the previous year. The bank has suspended its motor finance lending business while the regulatory review proceeds and has set aside significant provisions.
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Santander Consumer Finance
Santander Consumer Finance was one of the major providers of PCP and HP finance in the UK during the DCA era. Santander has acknowledged the FCA review and is among the lenders processing complaints.
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MotoNovo Finance
FirstRand Bank
MotoNovo Finance, a division of FirstRand Bank, is one of the lenders at the centre of the Supreme Court's landmark judgment on motor finance commission in August 2025. The lead case in the ruling, Johnson v FirstRand Bank, specifically examined commission arrangements operated by FirstRand.
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Barclays Partner Finance
Barclays Partner Finance was a significant motor finance provider during the DCA era and has been subject to increased complaint volumes following the FCA's announcement and the Court of Appeal judgment.
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Volkswagen Financial Services
VWFS provides finance across Volkswagen, Audi, SEAT, Škoda, and Porsche. As a major captive finance provider, VWFS operated during the DCA period and is among the lenders facing claims.
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BMW Financial Services (Alphera)
BMW Financial Services provided PCP and HP finance for BMW and MINI vehicles during the DCA era. If you financed a BMW or MINI between 2007 and 2024, your agreement may be within scope.
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Mercedes-Benz Financial Services
Mercedes-Benz Financial Services provided finance for Mercedes-Benz and Smart vehicles during the DCA period. Manufacturer finance arms are equally within scope of the review.
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Ford Credit
Ford Credit operated in the UK motor finance market throughout the DCA period. If you took out finance on a Ford vehicle between 2007 and 2024, your agreement may fall within scope.
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Honda Finance Europe
Honda Finance Europe provided PCP and HP finance for Honda vehicles. Customers who used Honda's own finance offering during the DCA era may have grounds to check their agreement.
Check your eligibilityDon't see your lender listed?
The FCA's review covers the motor finance market broadly. If you financed a car between 2007 and 2024 with any lender, it is worth checking your eligibility. The lenders above are those with the highest public profile in the review, but they are not the only ones.
Frequently asked questions
The information on this page reflects publicly available information about the FCA's motor finance review and related litigation as of the date of publication. My PCP Claim does not assert that every named lender definitively mis-sold finance to every customer. Eligibility is assessed on a case-by-case basis.