MotoNovo Claim for Car Finance Commission

MotoNovo claim figures come from the FCA's published redress formula here: enter your car, van or bike agreement and see an estimated range before you complain. It costs nothing.

Estimate my MotoNovo claim

You can complain to MotoNovo yourself for free. The FCA says you do not need a claims company or a law firm to take part in its scheme. MotoNovo's commission complaints page links to its online form.

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 15 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.

MotoNovo agreements that can count

MotoNovo has financed cars, vans and bikes through UK dealers for over 40 years. Its PCP, HP and conditional sale deals dated 6 April 2007 to 1 November 2024 fall inside the scheme when commission was payable to the dealer.

MotoNovo is part of the Aldermore Group. FirstRand, the banking group behind it, booked an extra £518.4 million pre-tax provision for motor finance commission in its results to 30 June 2026.

MotoNovo and the Supreme Court

Two of the three appeals the Supreme Court decided on 1 August 2025, Johnson and Wrench, were against FirstRand trading as MotoNovo. Mr Johnson won his unfair relationship claim: the dealer's commission was 25% of the advance and 55% of the total charge for credit, and its tie with MotoNovo was not disclosed.

The court ordered that commission repaid with interest; the FCA scheme applies its own tests to every agreement.

Complain to MotoNovo for free

Pick "Commission" from the drop-down menu on MotoNovo's online form, and send one form per agreement. MotoNovo checks the commission type itself.

Post goes to Commission Complaints, MotoNovo Finance, Two Central Square, Cardiff, CF10 1FS. Include your agreement number or registration, full name, date of birth, address, and the vehicle's make and model. The FCA list of lenders has a template letter.

Questions MotoNovo customers ask

Has MotoNovo started replying?

Yes, to some customers. MotoNovo is emailing complainants whose agreements will not qualify for redress under the scheme.

Is MotoNovo one of the challengers?

No. MotoNovo is not among the four parties the FCA lists as challenging the scheme.

When will MotoNovo pay?

Not during the suspension. MotoNovo says it does not have to calculate or pay redress while the legal challenge is pending. The hearing is now set for 16 to 26 February 2027.

Value your next MotoNovo agreement

Estimate another MotoNovo agreement

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

Bike deals also have a motorbike finance claim page, and car finance claims by lender lists every lender our car finance claim calculator handles.

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: 15 October 2026

Rules version: PS26/3, 30 March 2026