Updated: 16 October 2025

Originally Published: 02 November 2024

Many UK drivers are now asking whether their Audi car finance was sold fairly. The Financial Conduct Authority has opened a formal consultation on a national redress scheme for motor finance [1]. The proposal covers agreements made between 6 April 2007 and 1 November 2024 and could return up to £8.2 billion across the market. A typical payment is expected to be around £700 per eligible agreement. That figure is an industry estimate, not a guarantee for any single Audi finance claim.

This guide explains what the FCA is proposing, how to spot signs of Audi finance mis-sold agreements, the three unfair practices identified by the regulator, and how to start an Audi car finance claim in a safe, compliant way. It also sets out your options if you prefer help from finance claims experts.

Why Audi car finance customers are making claims

For years, dealers arranged Audi finance agreements that looked simple on the surface. Some included commission structures that were not clearly explained. Customers were often unaware that a dealer’s pay could change with the interest rate they were offered. That lack of transparency is the reason many drivers are now bringing Audi finance commission claims and asking for Audi finance compensation.

Common warning signs

• Your rate felt high for your credit profile and was not fully explained.
• The dealer did not clearly disclose that they earned commission, or how it could affect your rate.
• Balloon payments and end-of-term charges were mentioned briefly, or not at all.
• Extra fees or add-ons appeared without clear consent.

If these points match your experience, you may have grounds for an Audi car finance claim or Audi PCP claim.

What the FCA has said in 2025

In October 2025, the FCA opened a consultation that sets out how redress would work for agreements made from April 2007 to November 2024. The proposal highlights three unfair practices [2] that can make a finance deal eligible for compensation. These apply across the market and are relevant to Audi commission claims.

1) Discretionary commission arrangements

An Audi finance discretionary commission arrangement allowed a broker or dealership to vary the interest rate. A higher rate could lead to higher commission. Many customers were not told this in a way that helped them decide. If your Audi PCP or HP deal was arranged before 2021 and your rate looked higher than expected, a discretionary model may have been used.

2) High commission arrangements

Some agreements involved unusually large commissions that could distort the sale. The FCA defines a high-commission setup where the broker received a very large share of the total cost of credit and a significant share of the loan amount. Even if the existence of commission was mentioned, the size of the payment can still lead to an unfair outcome. Drivers affected by this may have a valid Audi finance compensation claim.

3) Exclusive or restricted lender relationships

In other cases, a broker had exclusive or near-exclusive access to a single lender, limiting customer choice. If your dealership only presented one credit option and did not explain alternatives, your Audi finance agreement may fall into this category.

The Supreme Court ruling

In August 2025, the Supreme Court confirmed that commission is not automatically unlawful [3]. However, where commission was hidden or excessive, the agreement can still be unfair under the Consumer Credit Act 1974. This decision supports customers bringing Audi commission claims where clear disclosure did not take place.

How the proposed redress scheme would work

The FCA proposes a hybrid calculation that looks at:

• The commission associated with the agreement.
• The interest you are estimated to have overpaid because of that commission or sales structure.

This approach aims to reflect both the hidden payment and its real cost to the consumer.

Market-wide expectations

• Typical payment around £700 per eligible agreement.
• Overall scale up to £8.2 billion across the market.
• Number of affected agreements up to 14 million [4].

These are market estimates. Any Audi finance settlement figure depends on the facts of each case, including loan size, term and pricing. No single outcome is guaranteed.

Key dates and what they mean

• Now: You can submit an Audi finance claim. It will be logged.
• 18 November 2025: FCA consultation closes.
• 4 December 2025: FCA confirms next steps on timelines [5].
• Proposed 31 July 2026: New deadline for firms to issue final responses on motor finance complaints.
• Early 2026: FCA aims to publish final rules.
• Later in 2026: Payments expected to begin under the scheme.

Submitting early does not fast-track payment, but it does make sure your Audi claims are in the queue once rules go live.

How to check if your Audi finance was mis-sold

Work through these simple checks before you complete an Audi finance claim form.

Commission disclosure

Were you told, in clear terms, if a commission would be paid, who would pay it, and whether it could affect your rate or product choice? A vague line such as “a commission may be paid” may not have been enough.

Rate sense-check

Was your rate noticeably high for your credit standing, with no clear reason? That can be a sign of a discretionary or high-commission setup.

Balloon payment clarity

Was the balloon amount in your Audi PCP explained clearly at the start, along with your end-of-term choices and costs?

Mileage and wear charges

Were mileage caps and return standards discussed in a way you could understand, and priced in to your decision?

Choice of lender

Were alternatives offered, or did every quote come from the same lender without a proper comparison?

If two or more of these points apply, you may have grounds for an Audi PCP finance claim under the forthcoming scheme.

Step by step: how to make an Audi finance claim

You can make a DIY Audi PCP contract claim or ask finance claims experts for support. The steps are similar either way.

Step 1. Gather your documents

• Your Audi finance agreement and pre-contract information.
• Statement of payments and any charges.
• Emails or messages with the dealer or finance provider.

Step 2. Identify red flags

Highlight anything related to commission, unusual rate changes, balloon terms, mileage caps or fees you did not expect.

Step 3. Complete an Audi finance claim form

Explain in plain English why you believe the finance was mis-sold. Use headings such as hidden commission, rate not explained, balloon not clarified, or lack of choice. Attach copies of your evidence.

Step 4. Submit your claim

Send your Audi car finance claim to Audi Financial Services by email, post, or their website. Keep copies of everything you submit.

Step 5. Await a response

Firms normally respond within eight weeks. Commission-related cases are aligned to the FCA timetable, so most outcomes will follow the publication of final rules.

Step 6. If you disagree with the outcome

Ask for an internal review. You can then escalate to the Financial Ombudsman Service within six months of the final response. If you prefer, a regulated claims management company or solicitor can manage this for you.

What an Audi finance settlement figure can include

If your Audi finance PCP claim or HP claim is upheld, redress can include:

• Refund of overpaid interest.
• Repayment of undisclosed commission.
• Refund of unfair fees or charges.
• Simple interest on any refund, typically at the Bank of England base rate plus one percentage point.
• Credit file corrections where entries flowed from an unfair agreement.

Again, the Audi finance settlement figure will depend on the details of your case. The FCA’s modelling suggests around £700 per eligible agreement as a typical market estimate. Some outcomes may be lower, and some may be higher, based on agreement size and structure.

Balloon payments, mileage caps and other common PCP issues

Many Audi PCP customers raise the same three issues. Knowing them helps you frame a clear Audi PCP finance claim.

Balloon payments

This is the large final sum if you choose to keep the car. For a fair sale, the amount and options should be explained at the start. If the balloon was not set out clearly, or was used to make monthly payments look low without full context, you may have grounds for an Audi PCP claim.

Mileage caps and wear charges

Mileage limits should match your likely driving. If you were steered toward a low cap to cut monthly payments, and the cost of exceeding the cap was not explained, you may have been placed at risk of high end-of-term charges. This can form part of Audi finance mis-sold complaints.

Unclear fees and add-ons

Admin fees, option-to-purchase fees, or insurance add-ons should be transparent. If they appeared without clear consent, include them in your Audi finance compensation request.

DIY, solicitor, or finance claims experts

You can choose the route that suits your confidence and time.

DIY

• Best for simple, recent cases.
• Free.
• You manage the paperwork and deadlines.

Solicitor

• Best for complex or defended cases.
• Usually a percentage of redress, sometimes with additional fees.
• Regulated by the Solicitors Regulation Authority.

Claims management company

• Best for most standard Audi finance claims when you want full support.
• Typically 18 to 36 per cent including VAT, no win no fee.
• Can trace documents, prepare your evidence and manage contact with the lender and Ombudsman.

Using finance claims experts does not guarantee success. It can, however, reduce stress and make sure your Audi finance agreement is assessed with complete information.

Frequently Asked Questions

Can I make an Audi finance claim now?

Yes. You can register a complaint today. It will be logged and reviewed under the final scheme rules once they are published.

Does the scheme only cover Audi PCP?

No. It covers Audi PCP, HP and other regulated Audi car finance agreements within the dates set by the FCA.

How much compensation will I receive?

The FCA’s market modelling suggests a typical payment around £700 per eligible agreement. Your outcome depends on your individual agreement and circumstances.

Do I need my original paperwork?

It helps, but you can ask the lender for copies. A regulated representative can also request documents on your behalf.

Can I still claim if my agreement has ended?

Yes, if it falls within the eligible dates and the unfair practice tests are met.

Who regulates claims companies?

Claims management companies are authorised and regulated by the Financial Conduct Authority.

Final thoughts

The FCA is working toward a clear and consistent path to redress. The consultation recognises the three core problems that led to many Audi car finance claims: discretionary commission affecting rates, high commission that distorted advice, and restricted lender relationships that limited choice.

If you used Audi car finance between 2007 and 2024, take time to review your paperwork. If you spot red flags, you can raise an Audi finance claim directly, or you can ask a regulated claims management company to prepare and manage your case. Outcomes are not guaranteed, and figures vary by case. Acting calmly, keeping good records and following the correct steps will give your Audi finance PCP claim or PCP Audi claim the best chance of a fair result once the FCA scheme starts.

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References:

1. The Financial Conduct Authority has opened a formal consultation on a national redress scheme for motor finance - https://www.fca.org.uk/news/statements/fca-consults-motor-finance-compensation-scheme
2. three unfair practices - https://www.fca.org.uk/publication/consultation/cp25-27.pdf
3. In August 2025, the Supreme Court confirmed that commission is not automatically unlawful - https://supremecourt.uk/uploads/uksc_2024_0157_0158_0159_judgment_2bb00f4f49.pdf
4. Number of affected agreements up to 14 million - https://www.fca.org.uk/news/press-releases/14m-unfair-motor-loans-compensation-proposed-scheme
5. 4 December 2025: FCA confirms next steps on timelines - https://www.fca.org.uk/news/statements/firms-given-until-december-2025-respond-motor-finance-commission-complaints