Blue Motor Finance, a leading online car and van financing provider, has been affected by the Financial Conduct Authority's (FCA) investigation into discretionary commission arrangements (DCAs). This ongoing inquiry aims to address potential mis-selling issues in car finance agreements from 6 April 2007 to 1 November 2024. The FCA estimates that 12.1 million eligible agreements (FCA, March 2026) have been affected, with an FCA-estimated average of £829 per eligible agreement and a total redress estimate of £7.5 billion (FCA estimate).
Latest: The FCA has confirmed the car finance compensation scheme on 30 March 2026. 12.1 million agreements are eligible, with an FCA-estimated scheme average of £829 per eligible agreement. Read the full details.
Who is Blue Motor Finance?
Blue Motor Finance Ltd provides car finance solutions for individuals seeking to purchase or lease vehicles through their online platform. As part of their services, they offer personal contract purchase (PCP) agreements tailored to both cars and vans. This makes them a significant player in the UK’s car finance market, with notable search volume related to [PCP claims](https://mlj.org.uk/guides/pcp-claims).
What Happened?
The FCA investigation into discretionary commission arrangements (DCAs) has brought attention to potential issues within the car finance industry. DCAs are payment mechanisms where lenders may have paid commissions to intermediaries based on the type of finance agreement sold, which could incentivise sales practices that were not in customers' best interests. The Blue Motor Finance PCP claim process is part of a broader initiative to ensure fair treatment and rectify any financial harm caused by these arrangements.
How Many People Are Affected?
The FCA investigation has identified an estimated 12.1 million eligible agreements affected across the industry during the period from 6 April 2007 to 1 November 2024. The total redress estimate amounts to £7.5 billion (FCA estimate), with an FCA-estimated average of £829 per eligible agreement. This highlights the widespread impact on car finance customers who may have been affected by DCAs during this time.
How to Complain to Blue Motor Finance Directly
You can complain to Blue Motor Finance directly for free at https://www.bluemotorfinance.co.uk/complaints. The company’s complaints process is designed to handle customer concerns efficiently without the need for a claims management company. You do not need a claims management company, and direct contact with the lender is often faster and more straightforward.
To initiate your complaint, you can use the following details:
- Phone: 0113 804 8900
- Email: complaints@bluemotorfinance.co.uk
- Post: Blue Motor Finance, 1 City West, Gelderd Road, Leeds LS12 6NP
What to Do Next?
To ensure a smooth complaint process, it is essential to gather relevant documentation and information about your car finance agreement. Start by collecting all correspondence related to your PCP deal with Blue Motor Finance, including any loan agreements or communication records. Check the dates of your agreement against the FCA’s investigation period (6 April 2007 to 1 November 2024) to determine if you fall within the scope of affected customers.
Once you have all necessary documents and details, submit your complaint directly to Blue Motor Finance using their online complaints page or through phone/email. This direct approach can help expedite resolution without incurring additional fees associated with claims management companies.
Timeline
After submitting your complaint to Blue Motor Finance, you should expect a response within 8 weeks. If you do not receive an adequate response from the lender during this period, you have the option to escalate your case to the Financial Ombudsman Service (FOS). The FOS provides an impartial review of complaints and can issue binding decisions that enforce fair treatment for consumers.
By following these steps and engaging directly with Blue Motor Finance, you can address any concerns regarding potential mis-selling issues in a timely and efficient manner.
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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.