Motor Finance Commission Complaint Final Response Letter (UK, FCA DISP)

For UK car dealers, motor finance brokers and lender complaint teams: a clear, FCA-compliant final response letter on car finance commission complaints, covering disclosure findings, the redress position and Financial Ombudsman referral rights.

Use cases

• A franchised dealer group answering a claims-firm letter about a 2018 PCP with a discretionary commission arrangement.
• A credit broker issuing a final response that explains its disclosure findings and confirms the lender will pay redress under the scheme.
• A small used-car dealer rejecting a complaint about a 2022 flat-fee agreement with clear reasons and FOS rights.