Can I complain about undisclosed commission on old car finance?

Potentially. Current FCA-related arrangements cover certain historic motor-finance commission issues, so check the latest official eligibility and complaint guidance rather than paying a claims company first.

In relation to “Can I complain about undisclosed commission on old car finance?”, car-finance questions are easier to understand when you separate monthly affordability, total cost, ownership and the amount needed to end the agreement.

For “Can I complain about undisclosed commission on old car finance?”, keep the original finance agreement, pre-contract information, dealer emails and complaint reference. A complaint is stronger when it identifies the specific representation, disclosure or commission issue being challenged.

For “Can I complain about undisclosed commission on old car finance?”, this answer is written for a Northern Ireland user, but some vehicle-registration, consumer-credit and insurance functions operate on a UK-wide basis. The attached sources — MoneyHelper - Personal Contract Purchase (PCP), MoneyHelper - Buying a car with Hire Purchase, and nidirect - Contact Consumerline — are therefore deliberately mixed where the responsible authority is UK-wide. That is more accurate than forcing every point into an NI-only source.

Practical next step for “Can I complain about undisclosed commission on old car finance?”: open the finance agreement and find the figures or clause relevant to this question. If you are changing or ending the agreement, request the current position directly from the finance provider before promising the car to anyone else.