Discretionary Commission Arrangement ("DCA")

The Financial Conduct Authority (“FCA”) has described a discretionary commission arrangement (“DCA”) as an arrangement between lenders and brokers which allowed the broker to adjust the interest rates offered to customers. Typically, the higher the interest rate, the more commission the broker received. This practice was banned by the FCA in 2021, however they are now undertaking a review of the industry to understand whether there has been a widespread failure to comply with relevant requirements, resulting in financial loss or harm to consumers.

You may have an eligible DCA complaint if:

  1. You used car finance to buy a car before 28 January 2021, this includes conditional sale agreements and fixed-sum loan agreements.
  2. A discretionary commission arrangement was operated in relation to your agreement.

If you have an eligible DCA complaint, you will not receive a final response within the usual 8-week deadline. The FCA has extended the deadline until 25 September 2024.

If you bought your car with 0% finance, via the Motability scheme, or via personal contract hire you will not be able to claim.


If you have an alleged claim of unfair practice (in the event of a discretionary commission arrangement), your enquiry should be submitted to the lender behind your finance agreement as only they can respond to this query. We are aware that some lenders have established dedicated website pages and online forms to assist you further:

Information that will be useful when you contact them is:

  • Vehicle Registration
  • Finance Agreement Number/
  • First Name and Surname
  • Date of Birth
  • Email address
  • Address and postcode
  • Vehicle Make and model
  • Details of your complaint
  • When did you purchase the vehicle?
  • How can they make this right?

If you are unable to find information relating to which finance company used when we supplied your car, we may be able to assist. However, we have to be satisifed you are who you say you are before we provide any information, and may request that you send us proof of ID to enable us to release this information.

Finance Company Contact Pages

Black Horse Finance (Suzuki, Jaguar, Land Rover)

Email: mse.motorcommission@blackhorse.co.uk

Website: https://www.blackhorse.co.uk/help/complaints/motor-commission-complaints.html

Hyundai Finance


In the event you are unable to access the form please call 0800 085 1826

CA Auto Finance

Email: customer-relations@ca-autobank.com

Alphera Financial Services



Motor Novo Finance


Written Complaints: DCA Complaints, MotoNovo Finance, One Central Square, Cardiff, CF10 1FS

Volvo Car Financial Services


Stellantis Financial Services (FCA)



Barclays Partner Finance

Email: bpfcomplaints