Commission Complaints
The Financial Conduct Authority (FCA
) has described a Discretionary Commission Arrangement (DCA
) as an arrangement between lenders and brokers (the person arranging the loan, e.g. the car dealer) which allowed the broker to adjust the interest rates offered to customers and would impact the commission the broker received. This was banned by the FCA on 28th January 2021, and they are now retrospectively investigating the use of DCAs in car finance.
A commission that was paid but didn’t involve a DCA is referred to as a non-DCA
commission.
FCA Review Information
Following the FCA Announcement on 30th March 2026, the FCA has advised that there will be a short implementation period so firms can prepare before beginning to assess existing complaints.
The implementation period relevant to your complaint will depend on when your loan was taken out:
- For loans taken out from 1st April 2014, the implementation period ends on 30th June 2026. This will then require initial responses to complaints to be issued before 30th September 2026.
- For loans taken out before 1st April 2014, the implementation period ends on 31st August 2026. This will then require initial responses to complaints expected to be issued before 30th November 2026.
We will therefore be in touch with you within the above-mentioned period with an update on your complaint.
If you have already logged a complaint directly with us, no further action is required at this stage.
If you have submitted your complaint via a claims management company, they will be your point of contact for any updates.
You can find further information about car finance complaints on the FCA’s website
Complaining via a Claims Management Company ("CMC") or Law Firm
CMCs and Law Firms can manage complaints on your behalf, and they will often charge a fee for this service. Blue will always assess your complaint in exactly the same way whether you complain via a CMC, a Law Firm, or if you complain directly. The only difference when complaining via a CMC or Law Firm is that you will have to pay a fee to the CMC or Law Firm if you receive compensation.
Data Subject Access Requests in relation to DCA
Please note that information about commission structure or commission amount does not fall within the scope of a Data Subject Access Request and will not be provided in fulfilment of a Data Subject Access Request as this information is not Personal Data.
If you want to find out whether your finance agreement was subject to a DCA, please use the contact details shown below.
If you want to obtain copies of documents relating to your finance agreement with us, you can access these at any time via the Customer Portal.
Making a commission complaint
If you want to make a commission complaint, you can contact us directly by:
Email: complaints@bluemotorfinance.co.uk
Phone: 020 3005 9330
Post: Blue Motor Finance Limited, PO Box 565, Sevenoaks, Kent TN13 9RE
When writing to us, please include full details of your complaint and your agreement number.
If you submit a new complaint, we will send you an acknowledgement within 8 weeks explaining the pause and directing you to the FCA’s website for more information.