Important Notice – Update on Motor Finance Claims
On 1 August 2025, the Supreme Court issued its final ruling on motor finance commission claims.
- The Court found that lenders cannot be held responsible for fixed-fee commission arrangements on car finance agreements.
- However, it ruled in favour of claims involving discretionary commission arrangements (DCA), which means many consumers may still be entitled to redress.
Following this, on 3 August 2025, the FCA confirmed that most successful claims are now expected to result in average redress of £950 or less. The regulator also announced it intends to consult on a formal compensation scheme, with further details due in 2025.
Unlike some firms, Belmond Claims has never advertised inflated claim values, so this update does not affect the accuracy of our past communications.
We remain fully committed to:
- Helping customers check their past finance agreements.
- Identifying whether unfair commission arrangements were in place.
- Guiding customers through the redress process, including any FCA-approved Scheme.
You can view the official announcements here:
- FCA Update on Motor Finance Compensation Scheme https://www.fca.org.uk/news/statements/update-motor-finance-work
- Supreme Court Judgment on Motor Finance Commission https://www.supremecourt.uk/
Important: You do not need to use a claims management company to make a claim. You can complain directly to the car dealership or finance provider free of charge, and if unsuccessful, you can escalate to the Financial Ombudsman Service (FOS).
Start your Motor Finance ClaimFees & payment
If the case is successful and you accept our fee, we will raise our invoice against the NET REDRESS payment you receive. Our fee is charged based on the value of the redress that is offered. The range of fee charged will be between 18% and 36% inclusive of VAT
For example,
| REDRESS | VALUE | TOTAL FEE EXC VAT | TOTAL FEE INCLUDING VAT | MAX FEE EXC VAT | MAX FEE INCLUDING VAT |
|---|---|---|---|---|---|
| Lower (£) | Upper (£) | % | % | £ | £ |
| £1 | £1,400 | 30% | 36% | £420 | £504 |
| £1,400 | £8,929 | 28% | 33.6% | £2,500 | £3,000 |
| £8,929 | £20,000 | 25% | 30% | £5,000 | £6,000 |
| £20,000 | £37,500 | 20% | 24% | £7,500 | £9,000 |
| £37,500 | £66,667 | 15% | 18% | £10,000 | £12,000 |
| £66,667 | – | Variable | £10,000 | £12,000 |
The above fee table illustration is not to be taken as an estimate of the amount likely to be recovered on your behalf. The fee that you pay may be more than or less than the illustration depending on the outcome of the claim.