Gladstone Brookes - CMC Profile

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Gladstone Brookes - CMC Profile

Last updated: 28 February 2026

Gladstone Brookes is one of the many claims management companies (CMCs) that offer services to consumers who believe they have been unfairly treated by car finance lenders. These CMCs submit complaints on behalf of consumers, often in relation to issues such as mis-selling and discretionary commission arrangements (DCA). Since 6 April 2019, all CMCs must be authorised by the Financial Conduct Authority (FCA), ensuring they adhere to strict regulations designed to protect consumer interests. As part of the FCA's motor finance redress scheme, which covers an estimated 12.1 million eligible agreements (FCA, March 2026) and aims to provide £7.5 billion in total compensation (FCA estimate), Gladstone Brookes has been active in assisting consumers deal with this complex process.

What Services Does Gladstone Brookes Offer?

Gladstone Brookes provides services that include assessing eligibility for the FCA motor finance redress scheme, preparing and submitting complaints to lenders on behalf of customers. This can be particularly useful for those who feel overwhelmed by the legal jargon or unsure about how to proceed independently. However, consumers do not need to use a CMC like Gladstone Brookes. They have the right to complain directly to their lender for free.

Why You Do Not Need a Claims Management Company

While companies such as Gladstone Brookes can assist with dealing with complex legal processes, consumers should be aware that they are entitled to handle complaints themselves at no cost. The FCA motor finance scheme allows individuals to submit claims independently without any intermediaries. This is especially important given the fees associated with using a CMC; these typically range from 25-40% of any compensation received (plus VAT in some cases). For example, on an average £829 payout (FCA estimate), a CMC charging 30% would take £210, leaving the consumer with only £490. Therefore, it is crucial to weigh the benefits of using such services against the significant reduction in compensation.

How to Verify FCA Authorisation

To ensure that any claims management company you consider working with is authorised by the FCA, you can follow these steps: 1. Visit the FCA Register: Go to https://register.fca.org.uk/s/. 2. Search for the Company: In the search bar, enter "Gladstone Brookes" or any other CMC you are considering. 3. Check the Status: Ensure that the company is listed as authorised and that its authorisation status is current. By following these steps, you can verify whether a claims management company like Gladstone Brookes is operating within legal parameters set by the FCA. This verification process protects consumers from fraudulent or unauthorised services.

Sources and References

Financial Conduct Authority (FCA) (2024). Motor Finance Redress Scheme.
Financial Conduct Authority (FCA) Register. Retrieved from https://register.fca.org.uk/s/

This information is intended to inform consumers that they have the right to complain directly to their lender for free and do not need a claims management company, while also providing guidance on how to verify FCA authorisation for such companies.

Key FCA Figures

The FCA confirmed on 30 March 2026: 12.1 million eligible agreements, £829 average compensation per agreement, £7.5 billion total redress at 75% consumer uptake, and £9.1 billion total cost to firms. The scheme covers agreements from 6 April 2007 to 1 November 2024. Two deadlines apply: 30 June 2026 for post-2014 agreements and 31 August 2026 for pre-2014. Final complaint deadline: 31 August 2027.

You can complain to your lender directly for free. You do not need a claims management company.

--- MLJ.org.uk (mlj.org.uk) is a free, independent information service. We are not a claims management company, solicitor, law firm, or financial adviser. We do not handle complaints, process claims, charge fees, or accept any percentage of compensation. This information does not constitute legal or financial advice. You can complain to your lender directly for free. You do not need a claims management company. If your lender rejects your complaint, you can escalate to the Financial Ombudsman Service at no cost. For personalised legal or financial advice, consult a qualified professional.

Frequently Asked Questions

What is Gladstone Brookes and how are they related to car finance?

Gladstone Brookes is a Claims Management Company (CMC) that offers services related to consumer disputes, including those involving car finance agreements. They assist individuals in challenging fees or terms associated with their motor finance arrangements.

What kind of services does Gladstone Brookes provide for car finance complaints?

Gladstone Brookes provides a range of services related to car finance disputes, including assisting consumers in identifying potential overcharging issues and providing support in negotiating with lenders or pursuing compensation. They can help individuals understand their rights under the law and offer guidance on how to proceed with a complaint.

How much do Gladstone Brookes' services cost for car finance complaints?

Gladstone Brookes charges fees for their services, which are typically calculated as a percentage of any compensation received. Before engaging with them, it is important to review their fee structure and terms clearly outlined on their official website or directly from the company.

Can I complain about my car finance agreement without using Gladstone Brookes?

Yes, you can complain directly to your lender for free. You do not need a claims management company like Gladstone Brookes to file a complaint. Lenders are required by the Financial Conduct Authority (FCA) to handle complaints from consumers independently. If you choose to proceed without a CMC, be aware 12.1 million eligible agreements have been affected by discretionary commission arrangements (DCA), with an estimated FCA-estimated scheme average of £829 per eligible agreement per claim (FCA estimate).

Important: MLJ.org.uk is an independent information resource. We are not a claims management company, solicitor, law firm, or financial adviser. We do not process claims, take fees, or provide advice. Where the law gives you a right to complain or claim directly (to a lender, council, FOS, court, or regulator), you can do so without paying a third party. MLJ.org.uk is operated by Copious Ltd, registered in England and Wales, company number 11437826.