Millions of drivers could get mis-sold car finance compensation this year under plans due to be revealed this month.
Under the proposed scheme, you could be due a payout if you used car finance between April 6, 2007 and November 1, 2024 and it included a discretionary commission arrangement (DCA), a high rate or commission, or a contractual tie that you weren't properly told about.
The Financial Conduct Authority (FCA) has been consulting on plans for a proposed compensation scheme that could see payouts for 14 million unfair motor finance deals.
If it gets the green light, drivers could get an average of about 05700 each. In an update today, the FCA said it is likely to make several changes to the proposed compensation scheme after receiving more than 1,000 responses to its consultation.
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It expects to give lenders a three-month implementation period to pay out redress, with up to five months for older motor finance agreements.
Drivers would be told within three months of the end of the implementation period whether they are owed compensation and how much.
They would then be able to accept immediately without waiting for a final determination. The FCA also plans to no longer ask drivers if they wish to opt out, and will not require lenders to write to customers by recorded delivery.
But it said a final decision has not yet been made on whether the scheme should go ahead. The FCA is urging people who may be affected to put in a complaint now.
Your complaint should be made to the lender that provided the car finance. The FCA said there is no need to use a claims management company (CMC) or law firm, as these will take 30% of any compensation owed to you.
The FCA said: If we proceed with a scheme, we are likely to make several changes.
If we do go ahead, we expect to publish final rules in late March. The timing of publication will be outside market hours and we will confirm the date in advance.
Even with an implementation period, streamlining the process means millions of people would receive compensation in 2026.
The FCA has been consulting on plans since it outlined a proposed compensation scheme last October. It estimated its redress scheme could cost lenders of about 0511billion.
But the regulators plans have been met with significant pushback from lenders, with Santander and Lloyds Banking Group already putting by significant amounts to cover the expected cost.
Santander boss Mike Regnier last year called for the Government to step in, warning the compensation scheme plans could impact the car finance market and wider motor sector, leading to job cuts.
英国金融行为监管局（FCA）正就一项拟议的赔偿计划展开咨询，该计划可能涉及为1400万笔不公平汽车金融交易提供赔付。根据本月即将公布的计划，数百万司机今年可能获得误售汽车金融的赔偿。
根据拟议方案，若您在2007年4月6日至2024年11月1日期间使用汽车金融服务，且涉及以下情形：包含自由裁量佣金安排（DCA）、高额佣金或费率，或存在未充分告知的合同捆绑条款，您可能有权获得赔偿。
英国金融行为监管局（FCA）正就一项拟议的赔偿计划展开咨询，该计划可能涉及为1400万笔不公平汽车金融交易提供赔付。
若方案获得批准，每位司机平均可获得约700英镑赔偿。英国金融行为监管局（FCA）在今日发布的更新中表示，在收到逾千份咨询反馈后，可能将对拟议赔偿方案作出多项调整。
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预计将给予贷款机构三个月的执行期用于支付赔偿款，而针对较早的汽车金融协议，这一期限可延长至五个月。
在实施阶段结束后的三个月内，驾驶员将被告知是否有权获得赔偿以及具体赔偿金额。
此后，他们将能够立即接受，而无需等待最终裁决。英国金融行为监管局（FCA）还计划不再询问司机是否选择退出，也不再要求贷款机构通过挂号信方式致函客户。
但声明称，关于该计划是否应继续推进，目前尚未作出最终决定。英国金融行为监管局（FCA）正敦促可能受影响的人士立即提出投诉。
您的投诉应直接向提供汽车贷款的金融机构提出。英国金融行为监管局（FCA）表示，无需通过索赔管理公司（CMC）或律师事务所进行申诉，否则它们将从您应得的赔偿金中抽取30%作为佣金。
英国金融行为监管局（FCA）表示：“若推进该计划，我们可能会做出多项调整。”
若最终决定推进，我们预计将于三月下旬公布最终规则。发布时间将避开市场交易时段，并提前确认具体日期。
即便设置了实施过渡期，流程优化仍意味着数百万人将在2026年获得补偿。
英国金融行为监管局（FCA）自去年10月提出赔偿方案草案以来，一直在就相关计划进行意见征询。该机构预估此项赔偿计划可能使贷款机构承担约110亿英镑的成本。
但监管机构的计划遭到贷款机构的强烈反对，桑坦德银行和劳埃德银行集团已预留大量资金以应对预期成本。
桑坦德银行首席执行官迈克·雷尼尔去年呼吁政府介入干预，并警告称赔偿计划方案可能对汽车金融市场乃至整个汽车行业造成冲击，进而引发裁员潮。
原创文章，作者：朱雅琪，如若转载，请注明出处：http://m.gaochengzhenxuan.com/keji/9046.html
