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  2. Use this free template letter to find out if your car finance arrangement had a discretionary agreement and lodge a formal complaint to a car finance company.

  3. Jan 28, 2021 · The Financial Conduct Authority (FCA) describes a discretionary commission arrangement (DCA) as an arrangement where a finance provider allowed a broker (the person that arranged the finance) to adjust the interest rates they offered to customers.

  4. 4 days ago · This step-by-step guide includes our unique free car finance reclaim tool so you needn't pay a claims firm. Even though there's a pause on firms needing to deal with complaints, it's important to get your complaint logged sooner, so there's less chance you'll be timed out.

  5. Jan 28, 2021 · You can refer your complaint to the Financial Ombudsman Service (“FOS”) within 15 months of having received your final response (if you have an eligible DCA complaint).

  6. If you have a complaint about a Discretionary Car Finance Commission Arrangement (DCA) You can notify us of your complaint through the following channels.: By Post: Automotive Compliance Ltd, The Factory, 44 Alfred Street, Gloucester, GL1 4DD By Phone: 01452 671560 By Email: complaints@automotive-compliance.co.uk. If you are not sure if you ...

  7. To make a complaint, you will need to find out who your arrangement was with. Then you can use our free template letter to complain about a discretionary arrangement. You may not know whether there was a DCA in relation to your finance agreement, so our template letter asks this question first.

  8. Sep 24, 2024 · If you send a final response to a DCA complaint between 26 September 2024 and 29 April 2025, you must give complainants until 29 July 2026 to refer their complaint to the Financial Ombudsman.

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