Were You Mis-Sold Blue Motor Finance Car Finance?

Were you mis-sold Blue Motor Finance car finance?

You may have been mis-sold if your Blue Motor Finance agreement, taken out between 2007–2024, carried commission that affected your interest rate and wasn't clearly explained. This isn't a claim about Blue Motor Finance specifically — it's the industry-wide issue the FCA is addressing.

The same rules apply across lenders. What matters is whether your rate was raised to earn the broker or dealer more commission, and whether that was disclosed — not the Blue Motor Finance name on your agreement.

What the scandal is

The scandal is about discretionary commission arrangements (DCAs), which let brokers raise your car finance rate to earn more commission. The FCA banned DCAs on 28 January 2021.

On 1 August 2025, the Supreme Court ruled on undisclosed commission, applying the unfair-relationship test (s140A, Consumer Credit Act 1974). The FCA then confirmed a redress scheme, with payouts expected through 2026. Read more on the FCA scheme and the ruling.

Were you affected? A checklist

Check the date, the route and the disclosure on your Blue Motor Finance deal. The more boxes you tick, the more it's worth complaining.

• Your Blue Motor Finance finance started between 2007–2024.
• It was arranged through a dealer or broker paid commission.
• Your interest rate could have been raised to earn more commission (a DCA).
• The commission was not clearly disclosed to you.

How much and how to claim free

The scheme returns overpaid interest plus interest on top, so amounts vary by deal — and claiming is free. Complain to the lender, then the ombudsman if needed.

Estimate with the compensation estimator, then follow how to claim and use our free letter template. Claiming is free and you can do it yourself: complain to your lender first, then escalate to the Financial Ombudsman Service. You do not need a claims-management company taking a cut.