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The Upper Tribunal has set two possible windows for hearing challenges to the FCA’s motor finance redress scheme: 14–18 December 2026 or 16–26 February 2027. Neither is a confirmed final listing; the dates depend on procedural applications. The FCA says firms can keep preparing and progress complaints where possible, while specified scheme steps are paused. Its published material does not set a separate preparation deadline or checklist for car dealers as a class.
When is the motor finance redress hearing?
The FCA says the Upper Tribunal hearing may take place on 14–18 December 2026 or 16–26 February 2027. The Tribunal has not settled on one final window: the listing depends on whether a party applies for further expert opinion or disclosure and whether any such application succeeds. The hearing is still ahead; these dates do not mean the challenge has been decided. See the FCA statement of 2 July 2026 for the announced timetable and procedural qualification.
The four challengers identified by the FCA are Consumer Voice, Volkswagen Financial Services, Mercedes-Benz Financial Services and CA Auto Finance.
What does the partial suspension mean for firms?
The Tribunal order, made on terms agreed with the four commercial challengers, suspends specified provisions of the scheme while the legal process continues. Under the FCA’s account, firms are not required under the scheme timetable to calculate or pay redress, or to send communications about compensation owed, until the Tribunal process concludes. The FCA describes the suspension as partial: firms must still comply with rules that are not suspended.
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The FCA says the arrangement allows firms to continue preparing and progress complaints as far as possible, while avoiding work that might need to be repeated if the challenges succeed. It also expects lenders to keep complainants informed of developments. The suspension should therefore not be read as a direction to stop all preparation or as a blanket pause of every motor-finance complaint obligation.
What preparation can continue?
In its statement, the FCA said: “The partial suspension enables firms to keep preparing for the scheme and progress complaints as far as possible, while avoiding work that may need to be repeated if the challenges succeed.” The practical distinction is between scheme steps expressly suspended by the Tribunal order and preparation or other requirements that remain live.
The FCA’s guidance for firms on motor finance complaints, last updated 27 August 2026, says firms should monitor announcements and tell the regulator at the earliest opportunity about issues that may materially affect their financial resilience, operational resilience or ability to carry out scheme steps. It also says the guidance should be read in light of the ongoing legal challenge and may need updating.
Do car dealers have a separate FCA preparation deadline?
The FCA materials cited here do not establish a separate dealer-only hearing timetable, deadline or preparation checklist. They address affected firms, including lenders and brokers; they do not define a distinct set of duties applying uniformly to every car dealer. That absence is a limit in the published guidance, not proof that a particular dealer has no obligations.
A dealer’s position may depend on its role and regulatory status. Dealers with a live complaint or compliance question should check current FCA updates and obtain advice specific to their firm rather than assume that lender duties apply to them in the same way. The FCA’s statement and firm guidance are dated 2 July 2026 and 27 August 2026 respectively; later Tribunal orders or regulator updates may change the timetable or scope of the suspension.
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