Business
Drivers set for £700 compensation after car finance scandal
MILLIONS of motorists across the UK could soon receive payouts averaging £700 each after the financial watchdog unveiled details of a long-awaited compensation scheme for car finance mis-selling.
The Financial Conduct Authority (FCA) announced that around 14 million car finance agreements, dating from April 2007 to November 2024, may be eligible for compensation — amounting to an estimated £8.2 billion in total redress.
Commission and contract concerns
The payouts relate to unfair commission arrangements between lenders and dealers, misleading information given to buyers, and contracts deemed to have disadvantaged customers.
In many cases, car dealers were rewarded with higher commissions for arranging loans at higher interest rates — a practice banned by the FCA in 2021. These so-called discretionary commission arrangements (DCAs) led many drivers to overpay for finance deals on both new and second-hand vehicles.
Some buyers also signed contracts where the dealer’s commission made up as much as 35% of the total cost of credit, with customers often unaware of the mark-up.
FCA chief executive Nikhil Rathi said it was “time customers got fair compensation” after years of unfair treatment.
How the scheme will work
If approved, lenders will first contact drivers who have already made complaints. Those who have not yet done so will be written to within six months of the scheme’s launch and invited to opt in. Consumers will then have six months to decide whether to participate.
Anyone not contacted — for example, because their lender no longer holds their details — will have a year from the start of the scheme to make a claim directly.
The compensation process will be free to access, and those who have already lodged complaints are expected to receive payments sooner.
Legal options remain open
Drivers will still have the option to take their case to court rather than accept the FCA scheme, though the regulator warns that court outcomes could vary.
However, the Supreme Court’s ruling in August is likely to limit the scope of claims that can be pursued, meaning some drivers may recover less than expected.
Consumer lawyer David Bott, whose firm represents claimants in ongoing legal action, questioned whether the proposed payouts go far enough.
“The average figure of £700 per agreement raises serious questions about whether this scheme will truly reflect the financial harm suffered by consumers,” he said.
The FCA previously suggested payouts could reach £950 per deal but now says the figure will be closer to £700 on average — still a significant sum for millions of drivers affected by one of Britain’s largest finance scandals.
Business
Oil firm praised for putting customers first during price surge
A PEMBROKESHIRE heating oil supplier has been praised by a local customer after choosing to honour its original prices despite a sharp rise in fuel costs.
Sarah Maling contacted The Herald after receiving a delivery from J E Lawrence & Son Ltd, saying the company had prioritised fairness to customers during a period of intense demand.
The customer had ordered around 800 litres of heating oil on March 2 after her tank began running low. However, due to extremely high demand, the company was unable to deliver until Friday (Mar 13). Despite heating oil prices increasing rapidly since the order was placed, the firm honoured the original quoted price and delivered 500 litres instead, ensuring more households could receive some oil.
Sarah said the delivery driver arrived at her home at around 11:30am after already completing 27 deliveries that day.
She said: “Prices have gone insane since I ordered yet they stuck with the quoted price and delivered 500 litres and explained why in the letter.
“This is putting the customer before profit and making sure everyone who needs oil will hopefully get oil at a more affordable price.
“I just wanted it acknowledged that not all delivery companies are out to make a profit but care about their customers – the people of Pembrokeshire.”
The letter included with the delivery explained that distributors across the sector had cancelled existing orders as prices surged last week.
However, the company said it had chosen not to cancel earlier orders and instead decided to limit deliveries so that more customers would receive some fuel.
The letter stated: “We have experienced huge volumes of orders and deliveries are now taking two to three weeks.
“Most distributors cancelled existing orders when prices increased rapidly last week, and those customers had to go to the back of a very long queue with another supplier.
“We have chosen not to do that and your original price has been honoured.”
The company added that limiting deliveries was the only way to ensure all customers could receive oil during the current supply pressures.
It apologised for the inconvenience caused but said the situation was being driven by “a very uncertain climate which is outside our control”.

Business
Legal action backed in case over development at Dinas Cross
LEGAL action against a landowner, who repeatedly failed to comply with an enforcement notice served back in 2023, has been backed by Pembrokeshire’s national park.
Members of Pembrokeshire Coast National Park’s March development management committee meeting were asked to back delegated authority for prosecution proceedings in the magistrates’ court for failure to comply with steps required to be taken by an enforcement notice on land to the south of Parc Yr Eglwys, Brynhenllan, Dinas Cross.
A report for the committee said that, in May 2023, the park received a complaint that a green field in the open countryside had been stripped of its vegetation and turned into a mobile home park by the new landowners.
Following a site inspection, a planning contravention notice was served in relation to the removal of hedgebanks/hedgerows, widening of the existing access, alterations to ground levels, construction of a track and the siting of a storage container.
After that, a 2024 retrospective planning application was received by the park seeking retention of the hardstanding area, siting of storage container and additional landscape works, which was refused that May.
“As no voluntary steps were taken to remedy the breach of planning control and no appeal made against the refusal of planning permission, the Authority considered it expedient to issue and serve an Enforcement Notice as the development and use of the land resulted in an unnecessary incursion into the rural countryside which causes a significant visual intrusion to the detriment of the special qualities of the National Park,” the report said.
An enforcement notice was service in January 2025, but, the following month, the landowner lodged an appeal with Planning & Environment Decisions Wales, which was dismissed that June; the enforcement notice taking effect.
A further application, seeking permission for a small-scale seasonal campsite on the land was received in June 2025, subsequently refused that October; officers confirming to the landowner the enforcement notice remained in effect, running through to January 3 of this year.
A site inspection undertaken by officers on January 6 confirmed the breach of planning control continued, the report added.
This was followed by a further planning application seeking to regularise the development on January 21.
That application was refused on March 9.
The report concluded: “The landowner has had multiple opportunities to regularise the development through both retrospective applications and an appeal against the enforcement notice. Those processes have not resulted in permission being granted nor compliance being achieved.
“The continued failure to comply with the enforcement notice undermines the integrity of the planning system and public confidence in its proper operation.
“It also results in an unnecessary incursion into the rural countryside which causes a significant visual intrusion to the detriment of the special qualities of the National Park.
“Officers therefore consider it expedient and in the public interest to pursue prosecution proceedings should the breach remain unresolved.”
Members backed the recommendation.
Business
Tesco B&Q Haverfordwest click and collect pod approved
PLANS for a B&Q ‘click and collect’ pod at a Pembrokeshire supermarket, to save customers having a make a round trip of nearly 60 miles to the nearest home improvement store, have been approved.
In an application to Pembrokeshire County Council, B&Q Ltd, through agent Pyrke Planning, sought permission to install a modular ‘Click and Collect’ pod, with associated livery and signage, on the access road to Haverfordwest’s Portfield Road Tesco Extra superstore.
The application included a related scheme for signage for the proposal.
A supporting statement said: “This planning application seeks permission for the installation of a Click and Collect pod to be operated by B&Q Limited within the car park of the Tesco Extra store at Portfield Road, Haverfordwest.

“It does not involve any construction but simply the placing of a modular unit within the car park which, together with dedicated collection spaces, will take up 12 parking spaces and be situated within the customer car park.
“B&Q Limited (B&Q) is the UK’s largest home improvement retailer, serving both the general public and tradespeople. It supplies a wide range of DIY, home improvement and garden products, primarily from its stores across the UK but also through its online website.
“The trial of a new fulfilment service – B&Q Collect – in partnership with Tesco, is another step forward in their evolution. It gives customers greater choice over how they collect and return their items and helps make it easier to do their home improvement projects.
“B&Q does not have a store in Haverfordwest, with the nearest outlets being situated in Carmarthen (28 miles), Llanelli (37 miles) and Swansea (46 miles).
“It is consequently proposed to introduce a click and collect option for DIY customers and local tradespeople to allow next day collection of products which it is inconvenient for people to have delivered at home and to remove the need for a minimum c.50-mile plus round trip to one of the established stores.”
No objections to the proposal were raised by Haverfordwest Town Council.
The application, and the related signage scheme, were conditionally approved by county planners.
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