You usually have six years from when you took out the finance, or three years from when you first became aware there might be an issue. The FCA’s upcoming redress scheme will introduce its own specific deadlines, and the Financial Ombudsman Service (FOS) has suggested a long-stop date of 29 July 2026 for some motor-finance commission complaints. To keep your case eligible under FCA and FOS timelines, it’s best to act promptly