Good to know: We are a Claims Management Company (CMC). You do not need to use a CMC to make your complaint to your lender, bank or insurer. If your complaint is not successful you can refer it to the Financial Ombudsman Service yourself for free if the firm is still trading. For eligible failed firms, you can refer a claim to the Financial Services Compensation Scheme for free.
We are the specialist claims management company helping Blue Motor Finance customers secure compensation for hidden commission charges. You could be owed thousands in rightful refunds.
If you took out car finance with Blue Motor Finance between April 2007 and January 2021, you could be entitled to substantial compensation through a Blue Motor Finance claim. Blue Motor Finance has officially acknowledged using Discretionary Commission Arrangements (DCAs) [1] and has a dedicated complaints page for affected customers [1], confirming their participation in the practices that led to the multi-billion pound car finance scandal.
Blue Motor Finance confirms DCA usage in customer agreements [1]
Company paused new lending following Court of Appeal ruling [2]
Average industry compensation: approximately £1,100 per finance agreement [3]
FCA estimates 99% of car finance deals included commission payments [4]
Blue Motor Finance describes itself as “one of the UK’s leading technology and analytics driven companies lending £2.5bn to more than 250,000 customers” [2]. Despite positioning itself as an innovative lender, the company has been directly implicated in the widespread car finance commission scandal that has rocked the industry.
Blue Motor Finance’s Role in the Scandal:
The company has admitted to using Discretionary Commission Arrangements in customer agreements prior to the FCA ban in January 2021 [1]. These arrangements allowed car dealers to increase customers’ interest rates to earn higher commission from Blue Motor Finance, creating a direct conflict of interest that led to customers paying excessive charges.
Business Impact on Blue Motor Finance: Following the landmark Court of Appeal ruling in October 2024, Blue Motor Finance was among the lenders that temporarily suspended new business [2], demonstrating how significantly the commission disclosure requirements have affected their operations.
Key Issues Affecting Blue Motor Finance Customers:
1. Discretionary Commission Arrangements (DCAs): Blue Motor Finance allowed dealers to adjust interest rates upward to increase commission payments, with higher rates resulting in higher dealer profits at customers’ expense.
2. Undisclosed Commission Payments: Even where DCAs weren’t used, Blue Motor Finance may have paid other forms of commission to dealers that weren’t properly disclosed to customers.
3. Lack of Transparency: The Court of Appeal ruling in October 2024 [5] established that all undisclosed commissions are unlawful without informed customer consent, potentially affecting most Blue Motor Finance agreements.
You may be entitled to compensation through a Blue Motor Finance claim if:
✅ Your agreement was with Blue Motor Finance between April 2007 – January 28, 2021
✅ You used PCP (Personal Contract Purchase) or HP (Hire Purchase) finance
✅ You were not fully informed about dealer commission arrangements
✅ Your interest rate seemed higher than other available options
✅ Sales staff failed to explain commission structures clearly
✅ You felt pressured into accepting the finance terms
✅ Affordability checks seemed inadequate or rushed
Important: You can claim for multiple Blue Motor Finance agreements, completed contracts, active agreements, and even if your vehicle was repossessed.
The amount of compensation from your Blue Motor Finance claim depends on several key factors:
Industry Compensation Estimates:
Factors affecting your Blue Motor Finance compensation:
Real Customer Experience: One Blue Motor Finance customer confirmed through the Money Saving Expert forum that the company acknowledged “an element of DCA commission was paid in connection with my agreement” [7], demonstrating that Blue Motor Finance is actively identifying affected customers.
Official Acknowledgment: Blue Motor Finance has created a dedicated DCA complaints page on their website [1], officially recognizing their involvement in discretionary commission arrangements.
Complaint Handling Pause: The company is not responding to DCA-related complaints until December 2025, following FCA guidance [1], allowing time for the regulator to complete its investigation.
Business Operations Impact: Blue Motor Finance temporarily halted new lending following the Court of Appeal ruling [2], indicating the significant impact of commission disclosure requirements on their business model.
Customer Communication: The company has established processes for handling DCA complaints and provides extended timeframes for customers to escalate to the Financial Ombudsman Service [1].
Unlike claims management companies that have recently entered this market, Allegiant is an established FCA-regulated claims management company [8] (Firm Reference Number: 836810) with extensive experience in securing car finance compensation for UK consumers.
✅ Specialist knowledge of Blue Motor Finance’s specific commission practices
✅ FCA regulated for your complete protection and peace of mind
✅ No Win, No Fee – you only pay if we secure your Blue Motor Finance compensation
✅ Comprehensive service – we handle everything from evidence gathering to final payout
✅ Transparent communication – regular updates on your Blue Motor Finance claim progress
1. Comprehensive Case Review
We carefully assess your Blue Motor Finance agreement and circumstances to determine your eligibility for compensation
2. Evidence Collection
We gather all necessary documentation to build the strongest possible case against Blue Motor Finance
3. Expert Claims Management
We handle all negotiations with Blue Motor Finance and, if necessary, escalate to the Financial Ombudsman Service [9]
4. Secure Your Compensation
We ensure you receive the maximum Blue Motor Finance compensation you’re entitled to
The regulatory environment strongly supports consumers seeking compensation from Blue Motor Finance:
FCA Investigation Ongoing: The FCA’s comprehensive review [5] continues, with the regulator confirming it will likely consult on a redress scheme if widespread misconduct is found.
Extended Response Times: Current FCA rules [1] mean Blue Motor Finance has until December 2025 to respond to commission-related complaints, giving the regulator time to complete its investigation.
Court Precedent: The October 2024 Court of Appeal ruling [5] established that undisclosed commissions are unlawful, creating strong legal grounds for Blue Motor Finance claims.
Supreme Court Decision: A Supreme Court hearing in April 2025 will determine the final scope of commission disclosure requirements, with the FCA set to announce next steps within six weeks of the decision [5].
Confirmed DCA Usage: Blue Motor Finance customers have reported receiving confirmation from the company that DCAs were used in their agreements [7], providing clear evidence for successful claims.
Company Acknowledgment: Blue Motor Finance has been transparent in acknowledging when DCA arrangements affected customer agreements [7], which strengthens the legal basis for compensation claims.
Widespread Impact: Given that the FCA estimates 99% of car finance deals included commission [4], most Blue Motor Finance customers are likely to have grounds for claims.
Don’t delay your Blue Motor Finance claim. You generally have:
With Blue Motor Finance having suspended new lending operations and officially acknowledging DCA usage [1], it’s crucial to start your claim as soon as possible to secure your rightful compensation.
DCA-Related Compensation: For agreements where Blue Motor Finance used discretionary commission arrangements, you may be entitled to refunds of excess interest charges plus statutory interest.
Non-Discretionary Commission Claims: Following the Court of Appeal ruling, you may also be entitled to compensation for other undisclosed commission arrangements [5].
Additional Compensation: In cases where customers can prove financial distress, courts have awarded full loan write-offs and substantial additional compensation [6].
Multiple Agreement Claims: If you had several Blue Motor Finance agreements, you can claim for each one individually, potentially resulting in substantial total compensation.
Don’t let Blue Motor Finance’s hidden commission practices cost you thousands. If you financed a vehicle through Blue Motor Finance between 2007-2021, you likely have strong grounds for compensation.
Your three options:
Why choose professional help for your Blue Motor Finance claim?
With Blue Motor Finance having officially acknowledged their use of DCAs and temporarily suspending new business due to commission disclosure concerns, there has never been a better time to pursue your claim.
Contact Allegiant today to start your Blue Motor Finance claim. With our expertise, FCA regulation, and no win, no fee guarantee, you have nothing to lose and thousands to gain in rightful compensation.
Allegiant is authorised and regulated by the Financial Conduct Authority [8] (FRN: 836810). Our no win, no fee terms mean you only pay if your Blue Motor Finance claim is successful and you receive compensation. Full terms and conditions will be clearly explained before proceeding. All compensation figures quoted are based on industry analysis and regulatory data [3]. Individual results may vary.
[1] https://bluemotorfinance.co.uk/DCAComplaints
[2] https://www.lawplus.co.uk/pcp/how-to-bring-a-blue-motor-finance-claim/
[3] https://www.claimexperts.co.uk/mis-sold-pcp-car-finance-claims/blue-motor-finance-claims/
[4] https://www.fca.org.uk/consumers/car-finance-complaints
[5] https://www.fca.org.uk/news/statements/motor-finance-review-next-steps
[6] https://www.reclaim247.co.uk/claims-guide/blue-motor-finance-refund-claims–mis-selling–compensation-guide/
[7] https://forums.moneysavingexpert.com/discussion/6504571/blue-motor-finance-car-finance-reclaim
[8] https://register.fca.org.uk/s/firm?id=0010X00004MND0QQAX
[9] https://www.financial-ombudsman.org.uk
[10] https://www.legislation.gov.uk/ukpga/1980/58/section/5
[11] https://www.legislation.gov.uk/ukpga/1980/58/section/14A
Good to know: We are a Claims Management Company (CMC). You do not need to use a CMC to make your complaint to your lender, bank or insurer. If your complaint is not successful you can refer it to the Financial Ombudsman Service yourself for free if the firm is still trading. For eligible failed firms, you can refer a claim to the Financial Services Compensation Scheme for free.
