BMW Financial Services Support.

In January 2024, the Financial Conduct Authority (FCA) launched a review of historical discretionary commissions in the motor finance sector together with a pause to complaints handling on this topic.

The Supreme Court has now handed down its judgment on commissions and the FCA has subsequently announced that it will commence a consultation on a customer redress scheme in early October. We are reviewing the judgment and considering its implications for our customers and our business. If you have previously submitted a complaint to BMW Financial Services, you do not need to take any action. We will provide further updates once we have completed our review and received guidance from the FCA.

For the latest information from the FCA, please click here.

This means you won’t receive a final response to a commission complaint until after 4 December 2025. You will then have up to 15 months from the date of our final response letter or until 29 July 2026 (whichever is the later) to refer your complaint to the Financial Ombudsman Service. In the meantime, we’ll acknowledge your complaint and keep you informed of any developments.

BMW Group Financial Services is taking all necessary steps to support the FCA during the course of its review and to ensure that affected customers are supported and provided with every assistance to minimise any inconvenience.

You can register a commission complaint here. 

Please provide vehicle registration, finance agreement number and any previous postcode/ surname at the time of your agreement.

How do I find out if my agreement was subject to a discretionary or other type of commission?

Please complete our discretionary commission enquiry form here.

You’ll need vehicle registration, finance agreement number and any previous postcode/ surname at the time of your agreement.

Please click here for further FAQ's relating to Discretionary and Non-discretionary Commissions

If you've used car finance, you may be owed compensation. Find out how to complain and what to expect.

The Supreme Court has now handed down its judgment on commissions and the FCA has subsequently announced that it will commence a consultation on a customer redress scheme in early October. We are reviewing the judgment and considering its implications for our customers and our business. If you have previously submitted a complaint to BMW Financial Services, you do not need to take any action. We will provide further updates once we have completed our review and received guidance from the FCA.

For the latest information from the FCA, please click here.

To help us investigate and try to resolve your complaint, please provide us with the following information:

• your name and address;
• your agreement number, if you have one;
• details of how we can contact you;
• a clear description of your complaint;
• details of what you would like us to do to rectify the situation; and if appropriate, copies of any relevant supporting documentation.