The Financial Conduct Authority (FCA) confirmed on 2 July 2026 that the compensation scheme is being legally challenged, and as a result parts of the scheme, including payment of compensation, are on hold.
A court hearing is expected to take place either between 14 and 18 December 2026 or 16 and 26 February 2027, although the final dates have not yet been confirmed. A decision is expected in the months afterwards.
The FCA have requested firms to continue to review and prepare customer cases, and customers who are not eligible for compensation should receive a decision to their complaint by:
If your complaint is still being reviewed, or you might be entitled to compensation, you will not receive an outcome by that date. We will continue to keep you updated.
We’ll continue to update this page as more information becomes available.
You can find further details about the scheme on the FCA website
You can read the FCA’s consumer fact sheet regarding the legal challenge here
You can also visit the FAQS on our website.
The easiest way to provide information to us is by using our Customer Complaint Portal. The portal allows you to submit a new complaint, find out the status of any existing case, view emails, add notes and upload documents. Once the scheme starts this will also be where we will request you to provide information to support any redress payments. You can access the portal below.
You don’t need to take any action right now.
If you have already made a complaint about motor commission, or if your agreement is included in the scheme, and you may be due compensation, we will contact you directly.
We will write to you to acknowledge receipt of your complaint within 5 working days and will explain if we think the changes impact you.
If your complaint is not about a commission arrangement or is a Regulated Lease or Contract Hire Agreement we will aim to provide you with a final response within 8 weeks.
If your complaint is about the commission arrangement it will now be handled under the rules of the motor finance compensation scheme rather than our usual complaint process.
If you are not satisfied with our final response when you receive it, you will have the right to escalate your complaint to the Ombudsman free of charge and will be able to do so up to 15 months from the date of your final response letter for motor finance complaints that are subject to the temporary rules.
Mitsubishi HC Capital UK PLC trading as Novuna is a finance provider, formally known as Hitachi Capital
Please note: We are separate organisation to Mitsubishi Motors. We do not process any submissions for Mitsubishi Motors or Mitsubishi Finance - these must be sent directly to those organisations.
We offered Motor Regulated Hire Purchase and Motor Regulated Personal Loans, arranged through a broker or dealer when purchasing a vehicle. e.g. the person that arranged your loan.
Please note: Personal loans taken out directly with us, through comparison websites or contract hire agreements, are not included in the Financial Conduct Authority (FCA) Motor Commission Review. e.g. a personal loan taken to buy a car.
For more information refer to Car finance claims | FCA
Commission is a payment a finance provider may give to a dealer or broker when they introduce a customer, and the customer takes out finance.
If you’re an individual customer, sole trader, partnership of 2 or 3 or an unincorporated entity you may be in scope if you entered into a regulated motor finance agreement.
The FCA published its final rules on 30 March 2026 for an industry wide Motor Finance Compensation Scheme.
The scheme looks at certain motor finance agreements where commission may not have been properly explained to customers.
The Financial Conduct Authority (FCA) has confirmed that the compensation scheme is being legally challenged, and as a result parts of the scheme, including payment of compensation, are on hold.
Further information can be found on FCA Website - Car finance claims | FCA.
For examples of vehicles covered by the FCA review, please visit the FCA’s guidance page: Car finance claims | FCA
It applies to both new and used vehicles on finance.
Yes.
If you no longer have your agreement number, you can provide the following details to help us locate your agreement:
The FCA began its review in January 2024 and is looking at motor finance agreements from April 2007 to November 2024
You can submit a claim for agreements made during this period.
No, you don’t need to. You can contact us directly for free using the details below.
If you choose to use a CMC or Solicitor, they may charge a high percentage of your compensation in fees.
If you’ve already signed up with a CMC or Solicitor and you want to cancel, check your agreement with them carefully to see if any fees or charges apply.
If you have used a claims management company (CMC) and you think you have been signed up without your consent, misled or treated unfairly, you can ask to exit your contract for free. Please see further information on the FCA website where you will also find a template complaint letter if you’re looking to complain directly to the CMC.
Be cautious. Following the FCA announcement, the FCA have received reports of fraudsters contacting customers pretending to pay compensation and asking for personal details.
If any action is required, we’ll contact you directly. We won’t be appointing a third party to manage claims on our behalf, so please be cautious of anyone claiming to be acting on our behalf.
For more information on how to protect yourself from scams, visit the FCA website.
You don't need to do anything right now. The Financial Conduct Authority (FCA) has confirmed that the compensation scheme is being legally challenged, and as a result parts of the scheme, including payment of compensation, are on hold.
The FCA have requested firms to continue to review and prepare customer cases, and customers who are not eligible for compensation should still receive a decision to their complaint.
If you complained by the relevant date below and you are not owed compensation under the scheme, we will tell you by:
If you complain after these dates, and you are not owed compensation, we will tell you within 5 months of receiving your complaint.
If you have used a claims management company (CMC) and you think you have been signed up without your consent, misled or treated unfairly, you can ask to exit your contract for free. Please see further information on the FCA website where you will also find a template complaint letter if you’re looking to complain directly to the CMC.
Although the FCA has published an average figure for compensation, the amount that you receive will be determined by the individual circumstances of your motor finance agreement and will be confirmed to you in our future communications.
The Financial Conduct Authority (FCA) has confirmed that scheme is being legally challenged, and as a result parts of the scheme, including payment of compensation, are on hold.
Firms must continue preparing cases and customers who are not due compensation should still receive a decision to their complaints.
More information about the FCA’s Motor Commission Compensation Scheme can be found on the FCA’s website - Car finance claims | FCA
A court hearing is expected to take place either between 14 and 18 December 2026 or 16 and 26 February 2027, although the final dates have not yet been confirmed. A decision is expected in the months afterwards.
Once the FCA provides an update following the hearing, we will contact you with further information.
If you complained by the relevant date below and you are not owed compensation under the scheme, we will tell you by:
If you complain after these dates, and you are not owed compensation, we will tell you within 5 months of receiving your complaint.
