Car Litigation – Letter Template

Categories: Agreements and Settlements, Litigation, Statements

Michael Coyle
November 20, 2024

[Your Full Name]
[Your Address]
[City, Postcode]
[Email Address]
[Date]

[Finance Provider’s Name]
[Finance Provider’s Address]
[City, Postcode]

Subject: Formal Complaint Regarding Undisclosed Commissions on Car Finance Agreement

Dear [Finance Provider’s Customer Services Team],

I am writing to formally complain about my car finance agreement (Agreement Number: [Your Agreement Number]), which I entered into on [Date of Agreement] for the vehicle [Make, Model, and Year of Car]. I believe that I may have been overcharged due to undisclosed commissions paid to the dealership or broker involved in the arrangement of this finance.

Details of the Complaint

When I entered into the car finance agreement, I was not informed about any commissions paid to the dealership or broker by your company. I understand that such undisclosed commissions may have influenced the interest rate or terms offered, which I believe is unfair and may have impacted my ability to make an informed decision.

Given recent rulings and Financial Conduct Authority (FCA) regulations requiring transparency in car finance agreements, I am concerned that my agreement may have been affected by a similar lack of disclosure.

Request for Resolution

I request that you:

Investigate this matter and confirm whether any undisclosed commissions were paid as part of my car finance agreement.
Provide a breakdown of the interest rate and fees, including any commissions paid to the dealer or broker and an explanation of how these were calculated.
Offer compensation or redress if it is found that I was overcharged due to undisclosed commissions.

Supporting Documents

I have attached copies of my car finance agreement and any related paperwork. Please let me know if further information is required.

Expected Resolution Timeframe

Please acknowledge receipt of this complaint within [7-14 days], and inform me of the expected timeframe for resolution. As this is a formal complaint, I would expect a full response within the standard timeframe outlined in the FCA’s guidance.

If I do not receive a satisfactory response, I intend to escalate my complaint to the Financial Ombudsman Service.

Thank you for your attention to this matter. I look forward to your prompt response.

Yours sincerely,
[Your Full Name]

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Written By:

Michael Coyle

Michael is Lawdit’s Principal and heads our Commercial and Intellectual Property Department. As a Solicitor Advocate, he is one of a select group of legal experts qualified to represent clients as an advocate in the Higher Courts in England and Wales. He holds a Master of Laws degree (LL.M) from Nottingham Trent University and is a guest lecturer at Southampton Solent University. He has also completed a teaching stint at the Academy of Music in Guildford where Michael taught copyright law. Michael is highly regarded for his work in all areas of intellectual property law (which includes the eCommerce and IT fields), litigation and company/commercial matters. He regularly advises on non-contentious issues including regulatory and statutory obligations and has been involved in many successful disputes, with a strong reputation for finding common sense and practical solutions for clients. In 2017, Michael was awarded the honorary degree of Doctor of Law from Southampton Solent University for his contribution to the University and his continued support to its students.