Document text
Car Finance Complaint Chaser Letter — Agreement Before 1 April 2014
[YOUR FULL NAME]
[YOUR ADDRESS]
[EMAIL] · [PHONE]
[LENDER'S NAME]
Complaints Team
[LENDER'S COMPLAINTS ADDRESS OR EMAIL, AS SHOWN ON THE FCA LIST OF LENDERS]
[DATE]
Your complaint reference: [REFERENCE, IF GIVEN]
Agreement number: [AGREEMENT NUMBER, IF KNOWN]
Dear Sir or Madam,
Car finance commission complaint — request for an update and a decision
On [DATE OF COMPLAINT, ON OR BEFORE 31 AUGUST 2026] I complained to you about the commission paid on my car finance agreement. The details are:
Name on the agreement [NAME AND ANY PREVIOUS NAME]
Address at the time [ADDRESS WHEN THE AGREEMENT WAS TAKEN OUT]
Date of birth [DATE OF BIRTH]
Type of agreement [HIRE PURCHASE / PERSONAL CONTRACT PURCHASE / CONDITIONAL SALE]
Start date [DATE, BEFORE 1 APRIL 2014]
Vehicle [MAKE, MODEL, REGISTRATION IF KNOWN]
Dealer or broker [NAME OF DEALER OR BROKER]
My agreement began before 1 April 2014 and I complained by 31 August 2026. I understand that, under the FCA's motor finance scheme rules that are not suspended, you should tell me by 18 January 2027 if you consider that I am not owed compensation under the scheme.
Please confirm in writing:
that you have recorded my complaint, and the date you received it;
whether you treat my agreement as within the scope of the FCA scheme and, if not, why;
whether your records show a discretionary commission arrangement, a high commission arrangement or a contractual tie with the broker, and the amount of commission paid;
if you consider that I am not owed compensation, your decision and reasons [BY 18 JANUARY 2027 / NOW, AS I HAVE NOT HEARD FROM YOU BY 18 JANUARY 2027];
if you are not giving me a decision because you consider my complaint out of time or because you rely on the exception for visible links between lender, manufacturer and dealer, please say so;
the outcome of the other parts of my complaint that are outside the scheme: [E.G. AFFORDABILITY, OR "NONE"];
when you expect to calculate any compensation, given the legal challenge to the scheme.
[I am dealing with this complaint myself and am not represented by a claims management company or law firm. / I have ended my agreement with [FIRM NAME] on [DATE]; please correspond with me directly.]
If I disagree with your response, I will ask you to review it and, if needed, for a redress determination, and I will then consider referring my complaint to the Financial Ombudsman Service.
Please do not ask me for bank details by phone or by email unless you have first written to me at the address above.
Yours faithfully,
____________________
[YOUR FULL NAME]
Enclosed: [COPY OF MY ORIGINAL COMPLAINT, ANY ACKNOWLEDGEMENT, AGREEMENT OR STATEMENTS IF HELD]
For me
[ ] Complaint sent on [DATE] (must be by 31 August 2026 for the 18 January 2027 date)
[ ] Chaser sent on [DATE]
[ ] No reply by 18 January 2027? Lenders have up to 7 more weeks before the FCA treats them as late
[ ] Lender's response dated [DATE] — 1 month to accept or challenge: [DATE]