Free Car Finance Complaint Letter & Email Template
If you wish to make your own enquiries or complaint about car finance commission, here is an example template to contact your lender directly.
Before you send your complaint
- Check who your regulated lender is: Use our 700+ brand lender lookup to find the exact email address or online form for your finance provider.
- Gather what you have (do not worry if some details are missing): Your full name, date of birth, address at the time of the agreement, and (if known) the agreement number or vehicle registration. See how to find lost agreement details.
- Estimate your potential redress: Run your figures in the free car finance redress calculator so you understand how the FCA PS26/3 formula works.
Disclosure Request & Commission Complaint
Use this template when emailing or writing to your lender to ask whether a Discretionary Commission Arrangement (DCA) or undisclosed commission applied and to register a formal complaint.
Subject: Motor Finance Commission Inquiry & Formal Complaint
Dear Customer Relations / Motor Commission Team, Re: Motor Finance Commission Disclosure Request and Formal Complaint Full Name: [Your Full Name] Date of Birth: [DD/MM/YYYY] Current Address: [Your Current Address & Postcode] Address at time of agreement (if different): [Previous Address & Postcode] Agreement Number (if known): [Agreement Number or "Please trace from my details"] Vehicle Registration (if known): [Registration Number] Approximate Start Date (if known): [Month / Year] I am writing regarding the motor finance agreement(s) I held with you. Please confirm in writing: 1. Whether any commission (including any Discretionary Commission Arrangement, flat fee, or rate-linked commission) was paid or payable to the credit broker or motor dealer in connection with my agreement(s). 2. The exact amount of commission paid, how it was calculated, the interest rate (APR) charged to me, and the minimum interest rate available to the broker at the time. 3. Whether you had a tied or right-of-first-refusal commercial relationship with the broker. If a Discretionary Commission Arrangement (DCA) or any undisclosed or partially disclosed commission applied to my agreement(s), please log this email/letter as a formal complaint and assess my agreement(s) for redress in accordance with the FCA rules (PS26/3) and applicable legal principles. Please acknowledge receipt of this complaint and provide a reference number. Yours faithfully, [Your Full Name] [Your Contact Telephone Number] [Your Email Address]
Tips after you send your email or letter
- Keep a copy: Save a copy of the sent email or take a screenshot of the lender's online webform confirmation page, noting the date you submitted it.
- Watch for the lender's reference number: Lenders normally send an automated or written acknowledgement confirming your complaint reference.
- Check the inputs when you receive a response: Once your lender confirms your agreement figures or makes a redress offer, use our guide on checking the inputs behind a car finance redress offer.
Estimate your car finance compensation
Use the free car finance claim calculator →Last updated: 24 October 2026. This guide provides general information and illustrative templates, not legal or financial advice.