Close Brothers Finance Claim

Close Brothers finance claim values are worked out here with the FCA's March 2026 redress formula, so you have a figure in mind before the free complaint goes in. This page covers commission only; log-ins, settlement figures and payments stay with Close Brothers' customer service.

Estimate my Close Brothers claim

You can complain to Close Brothers Motor Finance yourself for free. The FCA says you do not need a claims company or a law firm to take part in its scheme. Send it through the Close Brothers commission complaint form; the FCA list of lenders shows its phone and email too.

Your agreement

Results update automatically as you type

1About the agreement

When did the agreement start? *

Month and year is enough. It is on your agreement or your credit file. We use the 1st of the month and show that.

What type of finance was it? *

The title of your agreement says which type it is.

What did the finance pay for? *

Any motor vehicle counts. Your answer does not change the figure.

Whose name was the agreement in? *

Mine, alone or with someone elseMy business: sole trader, partnership of 2 or 3, or unincorporated associationA company, an LLP or a partnership of 4 or more

The scheme covers people, sole traders and small partnerships. It does not cover companies.

Did you live in the UK when you took out the finance? *

Has this agreement already been dealt with? *

A complaint that is still open does not count.

Who was the lender? (optional)

Your answer does not change the figure. We use it to point you to that lender's free complaint route.

2The figures

How much did you borrow? *

Do not count your deposit. The FCA's rules call this the "total amount of credit".

What was the APR? *

The annual percentage rate on your agreement, for example 9.9. Tick "I do not know my APR" if you do not have it.

I do not know my APR

How many months did the agreement run for?

Count the monthly payments, for example 48. Leave it blank and we use 48 months, the default in the FCA's rules.

3Commission and extras

How much commission did the dealer get? (optional)

Most people do not know this, because your lender holds the figure. Leave it blank and we show a range.

Could the dealer choose your interest rate, and earn more commission for a higher rate?

This is a discretionary commission arrangement. We assume there was one when you are not sure. Your lender decides.

Lowest rate the dealer could have offered (optional)

Only your lender knows this. Leave it blank if you do not know.

Did the dealer have to offer this lender's finance first, or only this lender's finance?

This is a tie. We do not assume one when you are not sure. A tie with a car maker's own finance company does not count where the dealer was a franchised dealer with the same branding.

Results

Enter your agreement details

Answer the starred questions to see your estimate.

Scheme status as of 13 October 2026: the FCA scheme rules (PS26/3) are in force but partly suspended by the Upper Tribunal since 1 July 2026. The hearing is listed for 16 to 26 February 2027, and no scheme payments are expected before 2027.

Scheme status as of 14 October 2026: the Upper Tribunal has partly suspended the FCA scheme (PS26/3) since 1 July 2026 while it hears legal challenges. The hearing is listed for 16 to 26 February 2027. No scheme payments are expected before 2027.

Close Brothers agreements that can count

Close Brothers says the scheme reaches customers who bought a motor vehicle on finance between 6 April 2007 and 1 November 2024. PCP, hire purchase and conditional sale qualify where commission was payable; personal contract hire does not.

Close Brothers Motor Finance is part of Close Brothers Group plc. It was the lender in Hopcraft, one of the three appeals the Supreme Court decided on 1 August 2025.

Complain to Close Brothers for free

Close Brothers calls its online form the quickest route: under 5 minutes, with an email receipt. Its team raises the complaint for you once it finds your agreement.

You can also email commission.complaints@closebrothers.com or call 0333 321 4747, Monday to Friday, 9am to 5pm. Close Brothers adds that no representative is needed: "It's free and simple to do it yourself."

When Close Brothers will reply

Close Brothers aims to tell complainants who are not owed compensation by:

18 November 2026, for agreements from 1 April 2014 complained about by 30 June 2026
18 January 2027, for older agreements complained about by 31 August 2026
within five months of the complaint, for anything later

Questions Close Brothers customers ask

Can I complain if my deal ended years ago?

Yes. Finished agreements count. The main exception is a high-commission-only case that ended before 26 March 2020 with clear commission disclosure, which the FCA treats as likely time-barred.

What if two claims firms signed me up?

Close Brothers pauses the complaint until you confirm one representative, or confirm you will handle it yourself.

Is Close Brothers challenging the scheme?

No. The challengers are three other lenders and the consumer group Consumer Voice.

Value your next Close Brothers agreement

Estimate another Close Brothers agreement

You can complain to Close Brothers Motor Finance yourself for free. The FCA says you do not need a claims company or a law firm to take part in its scheme.

Our car finance claim calculator also handles the other names in car finance claims by lender.

Written and checked by

Tirion Oman

Motor Finance Claims Specialist

Claims manager with 10+ years in UK car finance

Checked against PS26/3 and CONRED 5 and 6. About the author

Published: 14 October 2026

Rules version: PS26/3, 30 March 2026