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Short, plain-English notes on the markets we work in. Updated as things develop.
Motor finance redress: where things stand
After years of review, complaints and court cases, the FCA confirmed an industry-wide redress scheme for car finance in March 2026 (PS26/3). It covers around 12.1 million agreements taken out between 2007 and 2024, with an estimated £7.5 billion in compensation.
The scheme is currently paused in part while challenges brought by three lenders and a consumer group are heard. In the meantime, firms are continuing to prepare and progress complaints.
The challenges are listed to be heard by the Upper Tribunal from 16 to 26 February 2027. The FCA has said it will defend the scheme robustly, and expects compensation to be paid during 2027 if the scheme is upheld.
What PPI tells us about motor finance
PPI paid out more than £38 billion to UK consumers. Few people expected that in the early days.
The pattern was clear in hindsight: widespread mis-selling, rising complaints, regulatory intervention, then a formal redress programme. Car finance is now following a similar path, with hidden commission arrangements banned in 2021, years of complaints and court cases, and a redress scheme confirmed in 2026.
The firms that built capacity early in the PPI cycle were the ones best placed when redress began. The same dynamic is playing out now.
Five questions to ask about any alternative investment
We ask these questions of every opportunity before we introduce it to anyone, and we encourage investors to ask them too.
Who is the counterparty, and who oversees them? You should know exactly which firm issues the investment and how it is governed.
How many claims, loans or assets is my capital spread across? A portfolio behaves very differently from a single position.
How and when are returns paid? Understand the payment options, the term and the currencies available.
What protection is there, and how does it work? Any security, insurance or contractual protection should be explained clearly, including its limits.
How will I be kept informed? Ask what reporting you will receive, and how often.
Why alternative investments move to their own rhythm
Most portfolios rise and fall with markets. Litigation finance and private credit work differently: returns come from legal outcomes, or from borrowers repaying loans under agreed terms.
A court decision, a redress payment or a loan repayment doesn’t depend on what stock markets did that week. That is the main reason family offices and private investors hold alternatives alongside equities, bonds and property.
Positions are generally held to the end of their term, which suits capital that can be committed for a set period as one part of a wider portfolio.
The Upper Tribunal hearing: the next milestone
The Upper Tribunal hearing, listed for 16 to 26 February 2027, is the next major milestone for motor finance redress.
The Tribunal will hear the challenges brought by three lenders and a consumer group. The FCA has said it will defend the scheme robustly.
We will update this page as the hearing progresses, and we’re always happy to talk it through on a call.
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