Undisclosed Commission PCP Claims: find out how the Supreme Court ruling supports your case and what it means for mis-sold car finance customers.

What Is an Undisclosed Commission PCP Claim and How Does It Work?

An undisclosed commission PCP claim arises when a car dealer or broker receives a commission from a lender without telling the customer. This often occurs in Personal Contract Purchase (PCP) finance agreements, where the lack of transparency breaches a duty of loyalty owed to the consumer.

If you weren’t told about a commission, and it influenced the terms of your car finance deal, you may be able to claim compensation.

Why the Supreme Court Ruling Matters

On 19 March 2025, the UK Supreme Court issued a significant judgment in the case of Rukhadze v Recovery Partners. The court made it clear that financial institutions cannot plead ignorance when failing to disclose commissions.

Lord Briggs stated:

“The answer to perceived ignorance… is better public legal education, not a retreat by the law.”

Lord Burrows added:

“It would be verging on the absurd for the fiduciary to argue that, had consent been sought, it would have been granted…”

These remarks support the argument that consumers are entitled to compensation when commissions have been hidden.

📌 Read the full Rukhadze v Recovery Partners judgment here

How This Affects Johnson v First Rand

In Johnson v First Rand, lenders are appealing a decision that found them liable for not disclosing commissions in PCP agreements. The Supreme Court’s stance in Rukhadze suggests the court may uphold similar consumer protection principles in Johnson, reinforcing the validity of undisclosed commission PCP claims.

If the court finds that motor dealers owe a broader duty of loyalty, this could open the door to claims for thousands of UK car finance customers.

Who Can Make an Undisclosed Commission PCP Claim?

You may be eligible if:

• You took out a personal contract purchase (PCP) or hire purchase (HP) agreement between 2008 and 2020
• You were not informed that your car dealer or broker received a commission
• The commission may have influenced the interest rate or terms of the deal

Did you know? Over 90% of motor finance agreements involved commission — and many were not properly disclosed.

How to Start Your PCP Finance Claim

At Courmacs Legal, we specialise in undisclosed commission PCP claims and operate on a no-win, no-fee basis. We handle the legal process from start to finish — you just provide the documents.

👉 Start your claim here
👉 Contact our team, we can offer advice and answer questions you may have about the process.

Conclusion: The Law Is on Your Side

With the Supreme Court taking a strong stance on financial misconduct and undisclosed commissions, now is the time to check your car finance agreement and see if you could be owed compensation.

If a dealer or broker received a commission and failed to tell you, that’s your money. Don’t miss out.

📄 For a deeper legal perspective, read our directors’ commentary on the Supreme Court ruling: