At the heart of these appeals is a simple question with sweeping consequences for motor finance: what must customers be told about dealer commissions, and who is liable if disclosure falls short? The Court of Appeal ruled in October 2024 that customers could succeed where commissions were undisclosed or only partially disclosed.

The Supreme Court heard the appeals on 1–3 April 2025 and judgement is expected on August 1 2025. The Court’s decision will shape how dealers and lenders disclose commissions, how liability flows between them, and how redress is assessed across thousands of live and stayed complaints. Even Chancellor Rachel Reeves is threatening to intervene in the case, but even with her support, can the industry avoid another PPI scandal?

With a total estimated payout of up to £44 billion, the time to act is now.

Turning legal tests into scalable outcomes: How CourtCorrect can help

Large lenders and dealer groups will face a surge of complex, document‑heavy cases. A modern complaints management partner can convert the Court’s reasoning into an end‑to‑end, auditable workflow:

Step 1: Integration

CourtCorrect can be integrated into your loan agreement database, to automatically ingest historic loan agreements. When a customer raises a complaint, their file will already contain all the relevant information.

Step 2: Auto-Extraction

Once our AI has ingested the loan agreement, it will then automatically summarise the information and extract key information. Our newly developed AI custom fields can be automatically configured to extract wording around commission and indicate liability. It also provides citations, allowing the case handler to quickly and easily review the documentation. 

The case handler can then review the AI output and then decide on any potential compensation or redress to the customer.

Step 3: Letter Generation

Once the handler has decided on the outcome of the case, they can use CourtCorrect’s letter generation tool to automatically draft Final Response Letters. These letters are both personalised and accurate, drawing on information from the information available on the Platform.

See CourtCorrect in action

Be ready to handle post‑judgment workloads with fair, fast, and defensible outcomes. In a 30‑minute demo, we’ll show how CourtCorrect can be deployed in your company with minimal lead time and immediate results. Book your demo here.