Complain to Volkswagen Financial Services about car finance commission
Volkswagen Financial Services (VWFS) provides the finance behind many Volkswagen, Audi, SEAT, SKODA and other group-brand cars, usually through PCP or HP arranged at the dealership. If your VWFS deal was taken out before November 2024, the dealer or broker may have earned a commission you were never told about, and in older deals could sometimes raise your interest rate to boost it. If that happened, your credit relationship may have been unfair and you could be owed a refund. You can complain to VWFS directly, for free, and keep all of any payout.
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VWFS agreements are regulated credit under the Consumer Credit Act 1974, and sections 140A-140C give you redress where an undisclosed commission made the relationship unfair. VWFS is covered by the FCA's consumer redress scheme (policy statement PS26/3) for motor finance agreements taken out between 6 April 2007 and 1 November 2024. The pause on complaint handling lifts on 31 May 2026, and if VWFS rejects your complaint you can escalate for free to the Financial Ombudsman Service.
Step by step
- 1Collect your VWFS agreement number, the dealership, the APR, the term and the dates, and confirm the deal falls between 6 April 2007 and 1 November 2024.
- 2Write to Volkswagen Financial Services to complain that a commission paid to the dealer or broker was not properly disclosed, making the relationship unfair under sections 140A-140C of the Consumer Credit Act 1974.
- 3Ask VWFS to confirm whether a discretionary commission arrangement applied, the commission amount, and to refund any overpaid interest plus compensatory interest under the FCA redress scheme.
- 4If VWFS rejects the complaint or fails to respond in time, refer it for free to the Financial Ombudsman Service, normally within six months of their final response.
What they'll say, and your comeback
“Your interest rate was competitive, so there is no loss to refund.”
Comeback, The complaint is about whether the commission was disclosed and whether it made my relationship unfair under sections 140A-140C of the Consumer Credit Act 1974, not whether the rate looked competitive. Please assess it against the FCA redress scheme criteria.
“You signed the agreement and accepted the terms.”
Comeback, I could only accept terms that were actually disclosed to me. A discretionary commission arrangement that increased my interest was not properly explained, so signing does not waive my right to redress under sections 140A-140C.
FAQ
Does this cover Audi, SEAT or SKODA finance too?
Yes. Volkswagen Financial Services provides finance across the group's brands. If your agreement is with VWFS, the same complaint route and FCA redress scheme apply regardless of which badge is on the car.
What if I no longer have the car?
It does not matter whether you still have the car or have settled the finance. The complaint is about the commission you were overcharged through, and that remains reclaimable.
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A self-serve tool, not a law firm. General information, not legal advice.