The Financial Conduct Authority found that 95% of dealers / brokers receive commission from the lender for putting you on their finance / PCP. As they are incentivised to recommend this finance and as there may be better and cheaper ways for you to fund the purchase, they have an obligation to inform you. We have found that the vast majority did not tell the customer that they were receiving commission and therefore they have been mis-sold. The courts take hidden / secret commission as a bribe and “special form of fraud”.