Free Car Finance Complaint Letter Generator
Complaining to your lender directly is free, and you never need a claims company or solicitor to do it. This tool writes the letter for you — three quick answers and you'll have a ready-to-send complaint covering discretionary commission arrangements (DCAs) and unfairly high commission, written around the FCA's motor finance redress scheme (PS26/3) and the Supreme Court's Johnson judgment.
No sign-up. No fee. Nothing to print unless you want to. You don't need your old paperwork — your lender must find your agreements from your name and address.
Generate your letter
Build your complaint letter
Three answers, ready to send. Free, no sign-up — complaining directly costs nothing.
Please choose your lender and period, and add your name and address — the letter needs them.
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Free to send — you never need a claims company to complain. Your lender must respond under FCA rules; if you’re unhappy with the outcome, the Financial Ombudsman Service is also free. Partner-handled car finance claims are temporarily paused while we appoint a new claim partner.
How this works
Pick your lender, tell us roughly when your finance ran, add the details a lender needs to find your agreements, and the tool builds the letter. Copy it into an email to your lender's complaints team — where we hold a verified complaints email address for your lender, we show it — or post it. That's it.
Your lender should acknowledge the complaint and progress it in line with the FCA's redress scheme rules. Parts of the scheme timetable are currently subject to legal challenge, so response times may vary — the letter asks your lender to confirm how your complaint will be handled in the meantime. If you're unhappy with the outcome, you can go to the Financial Ombudsman Service — also free.
DIY or use our claim partners?
Both routes are legitimate, and this letter gives you everything you need to do it yourself at no cost. Some people prefer to have the process handled for them — tracing multiple agreements across lenders, chasing responses, escalating to the Ombudsman. Our partners do that on a no-win no-fee basis, with fees taken from compensation only if the claim succeeds (fees explained).
Common questions
Do I need my agreement number or paperwork?
No. The letter asks your lender to locate all agreements in your name from your name, date of birth and address history. Lenders hold these records.
Which complaints does the letter cover?
Discretionary commission arrangements (used on most agreements before 28 January 2021 and banned by the FCA), unfairly high fixed commission on later agreements, and the unfair-relationship grounds confirmed by the Supreme Court in Johnson v FirstRand. The letter asks your lender to assess your agreements under the FCA scheme rules that apply.
Is there a deadline?
Under the current scheme rules the final complaint deadline is 31 August 2027, but earlier dates affect how quickly complaints are processed — see our key deadlines guide. Submitting sooner protects your position.
What happens after I send it?
Your lender must log the complaint and deal with it under FCA rules. Depending on the scheme's legal timetable, assessment may be paused or progressed — your lender has to tell you which. If you're not satisfied with the final response, the Financial Ombudsman Service is free to use.
Will complaining affect my credit score?
No. Making a complaint about commission arrangements has no effect on your credit file.
