Commission Arrangements FAQs

Your lender will be the main point of contact for this information. If you do not know who your lender is, you may be able to check your finance documents or your bank statements to see who it is.

Your lender will be the main point of contact for this information. If seven years have passed from the time of sale, we will no longer store your sales related documents (unless we need to retain them for longer) due to our data policies.

Our lenders will ask you to provide as many other personal details as you can. Such as your full name, address on the finance agreement, your date of birth and potentially information regarding the car you purchased.

In most cases this is a payment. Said payment is made by a lender to our Retailers/group when a customer takes out a finance agreement.

In January 2024 the Financial Conduct Authority (FCA) announced that they will be reviewing historical motor finance Discretionary Commission Arrangements (DCA) across the motor finance industry. This included a 37 week ‘pause’ to the requirement for firms to respond to such complaints within 8 weeks, to allow the outcome of their review to be taken into account. Then in September 2024, the FCA announced their review was taking longer than expected and extended the ‘pause’ relating to DCA complaints until 4^th December 2025.

As a result of the ‘pause’ relating to both DCA and non-DCA commission related complaints, if you choose to lodge a complaint with your lender you will have more time to refer these complaints to the Financial Ombudsman Service if a final response is given. Instead of the usual 6 months deadline, you will have until 29 July 2026, or 15 months from the date of the final response letter, whichever is later.

You can find more information on the Court of Appeal Judgement and any further updates on the FCA website here: https://www.fca.org.uk/consumers/car-finance-complaints

A DCA is where a lender allowed a dealer or broker to choose the interest rate charged to the customer, commission was then paid linking to the interest rate. Discretionary commission agreements were banned by the FCA in January 2021.

A Non-DCA commission arrangement or a fixed commission arrangement, is where any commission paid is not linked with the interest rate charged, and usually the interest rate is fixed by the lender or broker. All commission models since January 2021 have been Non DCA models, but many finance agreements taken out before January 2021 had Non-DCA commission models. The FCA review is only related to historic DCA commission models on agreements taken out between April 2007 and 28th January 2021, the FCA have expanded their pause to include complaint handling on Non-DCA commission arrangements also. You can read more about this extension on the FCA Website here: https://www.fca.org.uk/consumers/car-finance-complaints

Your lender will be the main point of contact for this information. Most lenders will have webpages and online forms in place to allow you to find this out.

It is important. If you took out your finance agreement before April 2007 or after 27th January 2021, the FCA have confirmed that your finance agreement will not be within their review into DCA's. The ban on DCA's was put into place on 27th January 2021.

Contacting your lender is the best way to find this out. They can review your finance agreement and confirm if your agreement was affected by a DCA.

Complaints should be raised with your lender. Your lender should already have webpages and online forms dedicated to this. You will then be informed of the next steps by your lender once submitting a complaint with them. However, it is unlikely that your lender will be able to issue a ‘final response’ letter until after the conclusion of the pause on 4th December 2025 and the outcome of the FCA review and the Supreme Court hearing is announced.

You can contact Mercedes-Benz Financial Services regarding this through their dedicated email MBFS-commissions@mercedes-benz.com.

If the finance was arranged between yourself and a lender, there is no commission involved.

Most likely not. The account holder would need to provide consent due to data protection legislation.