If you financed an Audi A3, A4, Q5, or any other Audi model through Audi Financial Services between 2007 and 2021, you may have been overcharged through hidden dealer commission. Audi's premium pricing means your claim could be above the national average.
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Audi Financial Services is a brand within Volkswagen Financial Services UK (VWFS), the captive finance arm of Volkswagen Group in the United Kingdom. It provides PCP, HP, and leasing products for the full Audi range — from the A1 and A3 through to the Q7, Q8, RS performance models, and e-tron electric vehicles — sold through Audi's network of authorised UK dealerships.
Between April 2007 and November 2021, Audi Financial Services (via VWFS) operated discretionary commission arrangements (DCAs). Under this system, Audi dealerships could set the interest rate on your finance agreement within a permitted range — and earned higher commission the higher they set it. This conflict of interest was not disclosed to customers.
As a premium brand, Audi vehicles carry above-average finance amounts. Since dealer commission was often proportional to the total interest charged, this means the absolute commission overcharge on Audi agreements may have been significantly higher than the industry average of approximately £1,100. The FCA's investigation and the Supreme Court's November 2024 ruling both confirm that affected customers are entitled to redress.
Audi Financial Services is a "captive lender" — a finance company owned by the vehicle manufacturer (Volkswagen Group). The FCA is currently considering whether captive finance arms should be treated differently from independent lenders in the redress scheme. While no exemption has been granted, and captive lenders remain under the FCA's full review, this is an evolving area. We recommend registering your interest now so that your claim is in the queue regardless of the final outcome. Our legal partner monitors all FCA developments and will advise if the rules change.
You are likely eligible to claim if:
You may not be eligible if:
Had multiple Audis on PCP? Each agreement is a separate claim. Also financed a VW, SEAT, or Skoda? Those are separate eligible claims too — all under VW Group.
Answer 5 quick questions about your Audi agreement. We confirm your eligibility instantly — completely free, no obligation.
Our legal partner requests your full finance records from Volkswagen Financial Services and analyses whether undisclosed commission was charged.
If there are grounds, we submit a formal claim to Audi Financial Services (and the Financial Ombudsman if needed) on your behalf.
When successful, your redress payment is made directly to you. We only take a fee if we win — no upfront costs ever.