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Check whether your motorcycle finance falls within the FCA motor-finance scope
The FCA says consumers who used finance to buy a car, motorbike or van between 6 April 2007 and 1 November 2024 may be owed compensation. A motorcycle is expressly included, but the date range alone does not prove eligibility. You must identify the agreement, lender, dealer or broker and type of finance, then check whether the conduct complained of is covered.
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Finance arrangements that may be relevant
The FCA scheme concerns certain commission arrangements, including:
- Undisclosed discretionary commission arrangements, where a broker or dealer could influence the interest rate and receive more commission.
- High commission arrangements. For this scheme, the FCA defines “high commission” as commission of at least 39% of the total cost of credit and at least 10% of the loan.
- Certain contractual ties between a lender and dealer or broker that could affect how finance was arranged.
These are scheme categories, not a guarantee that every agreement containing commission qualifies. Separate complaints can still concern misleading sales statements, unaffordable lending, unfair treatment during financial difficulty or charges that were not properly explained.
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What the FCA’s population estimates mean
| FCA publication | Estimate | How to read it |
|---|---|---|
| Consumer guidance, 2026 | 37% of agreements made at the time, about 12.1 million agreements | An estimate of agreements potentially affected; it is not an individual eligibility test or a guaranteed payout total. |
| Proposed-scheme consultation statement, 2025 | 14.2 million agreements, 44% of all agreements made since 2007 | An estimate considered unfair because of inadequate disclosure; it is not a count of accepted claims or guaranteed payments. |
Exclusions and reasons an agreement may fall outside the scheme
Potential exclusions include personal contract hire leases, agreements already decided by the Financial Ombudsman Service or a court, agreements where compensation has already been accepted, some business or high-value loans, and agreements where commission was below the FCA’s stated fairness thresholds. The lender’s response should explain how it has treated your particular agreement.
Find the facts in your paperwork before writing
A precise complaint is easier for a lender or Ombudsman investigator to assess. Assemble the documents first, even if you do not have every item.
Documents to locate
- The signed finance agreement and any later amendments.
- The settlement statement, if you paid the agreement off early.
- Pre-contract information, quotations, demands and needs documents, and any affordability information you were asked to provide.
- Invoices, order forms and receipts showing the motorcycle, deposit, part exchange and charges.
- Dealer or broker emails, text messages, letters, brochures, adverts and screenshots.
- Service and MOT history, manuals and records of faults if the complaint also concerns what was promised about the motorcycle.
- Bank statements or other records showing payments and any fees you believe were unfairly added.
Record the key agreement details
Write down whether the product was hire purchase, personal contract purchase (PCP) or conditional sale; the lender’s legal name; the dealer or broker; the agreement start date; amount financed; interest rate; total cost of credit; deposit; term; and settlement date. If the paperwork uses a trading name, identify the lender named in the regulated agreement.
Ask the lender targeted questions
In your written complaint, ask the lender to confirm whether commission was paid to the dealer or broker and, if so, whether it was discretionary, a high commission arrangement or connected to a contractual tie. Ask for the information it relied on when deciding whether the arrangement was fair. Keep the request factual: state that you are making a formal complaint and identify the harm you say resulted.
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Build a dated chronology
Set out what happened in order: the advertisement or initial quotation, statements about the interest rate or affordability, the signing appointment, delivery, later faults or charges, settlement and any previous contact with the lender. The Ombudsman can consider adverts, invoices, brochures, manuals, service and MOT records, emails, texts and other correspondence. A chronology helps separate what you personally remember from what the documents show.
Identify the type of mis-selling you are alleging
“Mis-sold” is not limited to hidden commission. Explain the specific conduct and the financial or practical effect rather than using the label on its own.
Commission was not adequately disclosed
Explain what you were told about how the dealer or broker was paid, what was absent from the documents or conversation, and whether you would have negotiated differently or chosen another finance product had the payment been disclosed. The FCA scheme may cover particular undisclosed discretionary or high commission arrangements, but an individual complaint still turns on the agreement and evidence.
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The dealer made a misleading statement or inducement
Examples include a promise about the rate, total price, approval, a feature of the finance, or the motorcycle itself that was inaccurate or materially incomplete. State the exact wording as closely as you can, who said it, when, and why it mattered to your decision. The Ombudsman compares what the borrower and dealer or broker say with the pre-contract information, agreement and correspondence. If it finds a misleading statement, it considers what you would have done differently and the resulting impact.
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The lending was unaffordable
Describe the income, essential spending, existing credit commitments or financial difficulty that made the scheduled payments unsustainable when the agreement began. Include missed-payment dates, arrears notices and any evidence you supplied during the application. Do not assume that later financial problems automatically prove the original lending was unaffordable; explain the position at the time the lender approved the finance.
You were treated unfairly after getting into difficulty
If the complaint concerns arrears or hardship, give dates of your requests for help, the information you provided and the lender’s response. Identify a specific action or omission that you say was unfair, such as charges or collection treatment that was not properly explained or a failure to consider information you supplied.
Charges or the motorcycle were mis-described
List each charge you say was not brought clearly to your attention and attach the document showing it. If the motorcycle’s condition, mileage, specification or history was misrepresented, preserve the advert, invoice, inspection or repair evidence and explain the difference between the representation and what you received. The Ombudsman can consider quality and description evidence alongside the finance documents.
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The FCA’s practical guidance is to complain to the lender. Use its current complaint channel, but keep a copy of everything you send.
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- Address the correct firm. Use the lender named on the agreement. Include the dealer or broker’s name and trading name, if different.
- Identify the agreement. Give the agreement number, start date, vehicle, amount financed and your contact details.
- Describe the alleged breach. Set out the commission disclosure issue, misleading statement, affordability problem, unfair treatment or charge, with dates and quotations where possible.
- Explain the impact. State the extra interest or charge, payment burden, loss, inconvenience or other consequence you say flowed from the conduct. Attach calculations only when you can show how you reached them.
- State the remedy you want. Ask the lender to investigate, explain its commission and affordability findings, and provide appropriate redress. You can ask it to correct charges or interest, compensate proven loss or take another remedy that reflects the circumstances.
- Attach and index evidence. Name each attachment and refer to it in the chronology. Keep the originals.
- Save proof of submission. Retain the completed web form or email, attachments, acknowledgement, postal receipt and every later response.
Do not rely on a telephone conversation as your only record. If you speak to the lender, make a dated note of the representative’s name, what was agreed and any reference number, then confirm the points in writing.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Escalate to the Financial Ombudsman Service when the lender stage is complete
The Financial Ombudsman Service is free and normally requires you to complain to the firm first. You can usually refer the case when the lender has not sent a final response within eight weeks or when you are unhappy with its final response.
Check the referral date in the lender’s letter
Read the final response or redress determination carefully. It should state the date by which you must refer the matter to the Ombudsman. Motor-finance scheme litigation has changed timing, so use the deadline in your own letter rather than relying on an older general rule. Keep the envelope or email metadata if the date of receipt could matter.
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Prepare the Ombudsman submission
- Upload the lender’s final response, or explain that eight weeks have passed without one.
- Give a concise chronology and identify the documents that support each important event.
- State what outcome you seek and why the lender’s response does not resolve the loss.
- Respond promptly to requests for further information and tell the Ombudsman if your contact details change.
The Ombudsman may ask both sides for information, issue an investigator’s view and, if necessary, progress the matter to an ombudsman decision. Its service does not charge you to submit or pursue the complaint.
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Understand possible outcomes
Remedies in an ordinary mis-sale or affordability case
Depending on the evidence and the loss, the Ombudsman may award compensation, write off charges that were not properly brought to your attention, or end the agreement and require the vehicle to be returned when continuing the arrangement would be unreasonable. The remedy is case-specific; it is not an automatic refund of every payment or all interest.
The FCA compensation scheme and current timing
The FCA consumer page updated 13 October 2026 says the compensation scheme has been legally challenged. The challenge is scheduled for 16–26 February 2027. Lenders do not currently need to calculate or pay scheme compensation. Payments are expected in 2027 only if the scheme is upheld and is not successfully appealed. Treat that as a conditional timetable, not a promise that a payment will arrive.
Practical response dates for complaints already made
The FCA gives these expected contact dates:
| Agreement start date | Complaint made by | Expected lender contact |
|---|---|---|
| On or after 1 April 2014 | 30 June 2026 | 18 November 2026 |
| Before 1 April 2014 | 31 August 2026 | 18 January 2027 |
These dates apply to the FCA’s stated process and may change with the court case or further regulatory notices. Keep following the instructions in your lender’s correspondence.
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You can complain to the lender and, if eligible, the Ombudsman yourself. The FCA says you do not need a claims-management company (CMC) or law firm to find out whether you are eligible and can complain for free.
Compare the two routes before signing anything
| Question | Self-complaint | Paid representative |
|---|---|---|
| Total cost | No fee for the lender complaint or Ombudsman service | A CMC or law firm may charge up to 36% including VAT from compensation, depending on its contract |
| Authorisation | You deal directly with the lender and Ombudsman | Check the firm on the FCA register and confirm who is authorised to perform the work |
| Work included | You collect documents, write the chronology and manage deadlines | Read exactly which evidence gathering, correspondence and escalation the contract includes |
| Control | You receive every response and decide how to proceed | Check who controls correspondence, settlement decisions and access to your file |
| Cancellation | No representation contract to cancel | Read cancellation rights, notice periods and any cancellation or administration charge |
Do not transfer money because someone says it is an FCA payment request. Never provide a PIN or password. Verify the firm independently in the FCA register, read the fee and cancellation terms and ask how the firm will substantiate the alleged mis-selling.
Quick Recap
Common mistakes that weaken a motorcycle-finance complaint
- Assuming every agreement qualifies. Check the date, product, lender, broker and possible exclusions.
- Complaining only about “commission”. Explain the disclosure, rate-setting, affordability, statement or charge issue and its effect.
- Sending an unstructured narrative. Use a chronology, agreement details and an indexed evidence bundle.
- Ignoring the final-response deadline. Record the date in the lender’s letter and submit to the Ombudsman before it expires.
- Waiting for the scheme before raising ordinary complaints. The lender-first route is available now and can address mis-selling, affordability, unfair treatment and charges separately from the FCA scheme.
- Signing a fee agreement without calculating the deduction. A fee of up to 36% including VAT can substantially reduce any compensation; compare it with the free route.
- Expecting a guaranteed payout. Eligibility, liability, remedy and scheme timing all depend on the agreement and evidence.
A practical checklist before you submit
- Confirm the agreement date and whether the vehicle was a motorbike financed by hire purchase, PCP or conditional sale.
- Write down the lender, dealer or broker, agreement number, amount financed, rate and total cost of credit.
- Collect the agreement, pre-contract information, settlement statement, invoice, adverts and correspondence.
- Ask the lender in writing whether commission was paid and whether a discretionary, high commission or contractual-tie arrangement applied.
- Create a dated chronology and identify the precise statement, omission, affordability issue or charge you challenge.
- Send a formal complaint through the lender’s current channel and keep submission proof.
- Diary the eight-week point and the deadline in any final or redress response.
- Refer to the free Ombudsman service if the lender’s response is unsatisfactory or late, using the evidence already assembled.
- Check FCA updates before relying on a scheme payment date, because the legal challenge can alter the timetable.
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