Car Finance Lender Contact Details — How to Complain Directly
Scheme status (updated 5 August 2026): parts of the FCA motor finance redress scheme are temporarily suspended while the Upper Tribunal considers legal challenges. Lenders do not currently have to calculate or pay compensation under the scheme, the original decision and payment dates no longer apply, and no payment under the scheme is guaranteed. If the scheme proceeds, first payments are expected in 2027 at the earliest. Any dates mentioned below were set before the suspension.
You do not need a claims management company or solicitor to make a car finance complaint. You can contact your lender directly — for free — and request redress under the FCA’s PS26/3 scheme. This page provides complaint contact details for every major UK car finance lender.
If you are unsure which lender held your agreement, see: Claiming Without Paperwork
What to Include in Your Complaint
- Your full name, date of birth and current address
- Previous addresses if the agreement was arranged at a previous address
- Vehicle registration number if known
- Approximate date the agreement started
- A statement that you believe the agreement included an undisclosed discretionary commission arrangement or unfairly high commission
- A request for full details of any commission paid and for redress under the FCA’s PS26/3 motor finance redress scheme
Send written complaints by email where possible so you have a dated record. Keep a copy of every communication.
Major Lender Complaint Contacts
Black Horse Ltd (Lloyds Banking Group)Complaint address: Black Horse Ltd, Customer Relations, Charlton Place, Andover, Hampshire, SP10 1RE
Quote: PS26/3 Motor Finance Redress Scheme
Santander Consumer FinanceComplaint address: Santander Consumer Finance, Complaints, 2 Triton Square, Regent’s Place, London, NW1 3AN
Close Brothers Motor FinanceComplaint address: Close Brothers Motor Finance, Complaints Team, Wimbledon Bridge House, 1 Hartfield Road, Wimbledon, London, SW19 3RU
Full Close Brothers claims guide
Barclays Partner FinanceComplaint address: Barclays Partner Finance, Complaints, 1 Churchill Place, London, E14 5HP
Volkswagen Financial Services (UK) LtdCovers: VW, Audi, SEAT, CUPRA, Skoda, Porsche (post-July 2010)
Complaint address: VWFS Complaints, Brunswick Court, Yeomans Drive, Blakelands, Milton Keynes, MK14 5LR
VW claims guide | Audi claims guide
BMW Financial Services (GB) LtdCovers: BMW, MINI, Alphera
Complaint address: BMW Financial Services, Customer Relations, Summit ONE, Summit Avenue, Farnborough, Hampshire, GU14 0FB
BMW claims guide | Alphera claims guide
Mercedes-Benz Financial Services UK LtdComplaint address: Mercedes-Benz Financial Services, Complaints, Tongwell, Milton Keynes, MK15 8BA
RCI Financial Services LtdCovers: Nissan, Renault, Dacia, Mitsubishi (some agreements)
Complaint address: RCI Financial Services Ltd, Complaints, Rivers Office Park, Denham Way, Maple Cross, Rickmansworth, WD3 9YS
Nissan claims guide | Renault claims guide
Stellantis Financial Services UK LtdCovers: Vauxhall, Peugeot, Citroen, Fiat, Alfa Romeo, Jeep (formerly PSA Finance UK)
Complaint address: VERIFY current address on FCA register — entity changed from PSA Finance UK to Stellantis Financial Services
Toyota Financial Services (GB) PLCCovers: Toyota, Lexus
Complaint address: Toyota Financial Services, Complaints, Great Burgh, Burgh Heath, Epsom, Surrey, KT18 5UZ
Toyota claims guide | Lexus claims guide
MotoNovo Finance (FirstRand Bank)Complaint address: MotoNovo Finance, Complaints, Denbigh House, Denbigh Road, Bletchley, Milton Keynes, MK1 1YP
MoneybarnComplaint address: Moneybarn, Complaints, Athena Court, 1 Odyssey Business Park, West End Road, South Ruislip, Middlesex, HA4 6QE
If Your Lender Is Not Listed
- FCA Financial Services Register — search the lender’s name for their current registered address
- Companies House — confirm they are still trading and find their registered office
If your lender has gone bust, changed name or been acquired: Car Finance Claim If Your Lender Has Gone Bust
If Your Complaint Is Rejected or Ignored
If your lender rejects your complaint or does not respond within 8 weeks, escalate to the Financial Ombudsman Service — free, independent, and able to uphold your complaint even if the lender rejected it.
Financial Ombudsman Service | Phone: 0800 023 4567
Related Guides
Do I Need a CMC to Make a Car Finance Claim?
FCA Car Finance Redress Scheme Explained
Back to Car Finance Claims Hub
You will be redirected to our partner’s website to complete your claim.
Think You May Have a Motor Finance Claim?
The FCA estimates average compensation of around £830 per eligible agreement, but eligibility and payment amounts vary. Some customers may receive nothing. Complaints about agreements started from 1 April 2014 should be submitted by 30 June 2026 to be considered under the earlier timetable. Different dates apply to older agreements. The scheme is currently subject to legal challenge, so dates and payment timings may change.
