// add this before event code to all pages where PII data postback is expected and appropriate ttq.identify({ "email": "", // string. The email of the customer if available. It must be hashed with SHA-256 on the client side. "phone_number": "", // string. The phone number of the customer if available. It must be hashed with SHA-256 on the client side. "external_id": "" // string. Any unique identifier, such as loyalty membership IDs, user IDs, and external cookie IDs.It must be hashed with SHA-256 on the client side. }); ttq.track('ViewContent', { "contents": [ { "content_id": "", // string. ID of the product. Example: "1077218". "content_type": "", // string. Either product or product_group. "content_name": "" // string. The name of the page or product. Example: "shirt". } ], "value": "", // number. Value of the order or items sold. Example: 100. "currency": "" // string. The 4217 currency code. Example: "USD". }); ttq.track('Search', { "contents": [ { "content_id": "", // string. ID of the product. Example: "1077218". "content_type": "", // string. Either product or product_group. "content_name": "" // string. The name of the page or product. Example: "shirt". } ], "value": "", // number. Value of the order or items sold. Example: 100. "currency": "", // string. The 4217 currency code. Example: "USD". "query": "" // string. The word or phrase used to search. Example: "SAVE10COUPON". }); ttq.track('Contact', { "contents": [ { "content_id": "", // string. ID of the product. Example: "1077218". "content_type": "", // string. Either product or product_group. "content_name": "" // string. The name of the page or product. Example: "shirt". } ], "value": "", // number. Value of the order or items sold. Example: 100. "currency": "" // string. The 4217 currency code. Example: "USD". }); ttq.track('ClickButton', { "contents": [ { "content_id": "", // string. ID of the product. Example: "1077218". "content_type": "", // string. Either product or product_group. "content_name": "" // string. The name of the page or product. Example: "shirt". } ], "value": "", // number. Value of the order or items sold. Example: 100. "currency": "" // string. The 4217 currency code. Example: "USD". }); ttq.track('AddToWishlist', { "contents": [ { "content_id": "", // string. ID of the product. Example: "1077218". "content_type": "", // string. Either product or product_group. "content_name": "" // string. The name of the page or product. Example: "shirt". } ], "value": "", // number. Value of the order or items sold. Example: 100. "currency": "" // string. The 4217 currency code. Example: "USD". }); ttq.track('CompleteRegistration', { "contents": [ { "content_id": "", // string. ID of the product. Example: "1077218". "content_type": "", // string. Either product or product_group. "content_name": "" // string. The name of the page or product. Example: "shirt". } ], "value": "", // number. Value of the order or items sold. Example: 100. "currency": "" // string. The 4217 currency code. Example: "USD". }); ttq.track('SubmitForm', { "contents": [ { "content_id": "", // string. ID of the product. Example: "1077218". "content_type": "", // string. Either product or product_group. "content_name": "" // string. The name of the page or product. Example: "shirt". } ], "value": "", // number. Value of the order or items sold. Example: 100. "currency": "" // string. The 4217 currency code. Example: "USD". });
top of page

Industry News & Information

Nov 14 min read

Johnson v FirstRand Bank (Motonovo): A Landmark Judgment on Car Finance Commission Claims

At Sentinel Legal, we are proud to support the consumer rights victory in Johnson v FirstRand Bank, a groundbreaking Court of Appeal judgement that offers justice for thousands impacted by hidden commissions in car finance agreements. This landmark case highlights the importance of transparency in car finance and opens new avenues for consumers to pursue compensation through car finance commission claims.


Watch the Sentinel Legal podcast with Sam Ward & Kevin Durkin whilst they breakdown the specifics of the case here: https://youtu.be/RsHxD7aEYL8


scales of justice


Understanding the Johnson v FirstRand Court of Appeal Judgment


The Court of Appeal’s ruling in Johnson v FirstRand directly addresses hidden car finance commissions and undisclosed interest rate adjustments that left consumers with inflated finance costs. The court labelled these practices “selfish and dishonest,” emphasising that consumers have the right to know the true cost of their finance agreements and any commission lenders or brokers may earn. As a result, thousands of consumers with car finance agreements may be eligible to file car finance mis-selling claims to recover lost funds.



What Are Car Finance Commission Claims?


Car finance commission claims allow consumers to seek compensation for finance agreements that included hidden commissions or unjustified interest rate increases. In the Johnson case, the Court of Appeal found that dealerships often prioritised their profits by inflating interest rates, leaving consumers unaware of these hidden costs.

The judgement clarifies that dealerships and finance brokers must disclose any commission structures, ensuring transparency. If you entered into a car finance agreement with undisclosed fees or elevated interest rates, you might qualify for compensation through a car finance commission claim.



How Does the Johnson v FirstRand Court of Appeal Ruling Affect Consumers?


This ruling impacts a vast portion of UK consumers with personal contract purchase (PCP), hire purchase (HP), and other car finance agreements where hidden commissions were common. The Court of Appeal’s decision on hidden car finance commissions establishes the following:


- Transparency Requirement: Dealerships and lenders must disclose any commission they earn through car finance agreements, offering consumers a clear view of all costs.- Eligibility for Compensation: Consumers who unknowingly paid inflated interest rates due to undisclosed commissions may be entitled to file car finance mis-selling claims.- Consumer Rights Enhancement: The court’s decision emphasises the need for dealerships to act in the consumer’s best interest, reducing the prevalence of unfair car finance practices.


For more information watch the Sentinel Legal podcast with Sam Ward & Kevin Durkin here: https://youtu.be/RsHxD7aEYL8 


Sentinel Legal’s Role in Car Finance Commission Claims


At Sentinel Legal, we specialise in car finance mis-selling claims and are committed to supporting consumers affected by the car finance commission scandal. If you believe your finance agreement included hidden commissions or if you suspect your interest rate was adjusted without explanation, our team of experts is here to help you understand your rights and explore your options.



Our services for car finance commission claims include:


- Review of Your Car Finance Agreement: We analyse your finance agreement to identify any hidden costs or undisclosed commissions.- Expert Legal Representation: As industry leaders in car finance mis-selling claims, we provide knowledgeable guidance and representation through every step of your claim.

- Maximising Compensation for Hidden Car Finance Commissions: Sentinel Legal works to secure the maximum compensation for clients impacted by hidden fees in their car finance agreements.



How to Make a Car Finance Claim with Sentinel Legal


Starting a car finance commission claim is straightforward with Sentinel Legal. Here’s what to expect:

1. Initial Consultation: Our team will review your car finance agreement, looking for signs of hidden commissions or unfair interest rates.


2. Claim Eligibility Assessment: We’ll assess your eligibility for a car finance mis-selling claim based on the Johnson v FirstRand judgement.


3. Filing Your Car Finance Claim: If eligible, our team will guide you through the process of filing your claim and seeking compensation.



Why Choose Sentinel Legal for Your Car Finance Mis-Selling Claim?


Sentinel Legal stands at the forefront of car finance compensation claims, using in-depth knowledge of the Johnson v FirstRand case and our experience in car finance litigation to advocate for fair and just outcomes for every client. Our team has a proven track record in car finance mis-selling cases and will work diligently to recover compensation for clients who have been misled by hidden fees and unfair practices.



Frequently Asked Questions (FAQs) About Car Finance Commission Claims


1. Am I eligible to make a car finance commission claim?


If your car finance agreement involved undisclosed fees, hidden commissions, or high-interest rates without justification, you may qualify for a car finance mis-selling claim.


2. How much compensation could I receive from a car finance commission claim?


Compensation can vary, but claimants often recover thousands of pounds in overcharged interest and hidden fees.


3. How does the Johnson v FirstRand judgement impact my claim?


The Court of Appeal’s ruling in Johnson v FirstRand has set a new precedent, holding lenders and dealers accountable for hidden car finance commissions and empowering consumers to seek justice.


4. How to make a car finance claim?


If you believe you were mis-sold car finance, start by contacting our team at Sentinel Legal. We will help you through every step of the process, from reviewing your finance agreement to filing your claim.


Contact Sentinel Legal Today for Your Car Finance Commission Claim


If you believe your car finance agreement may have included hidden commissions or unfair terms, don’t hesitate to reach out. Sentinel Legal is here to help you understand the impact of Johnson v FirstRand on your case and to guide you in recovering what is rightfully yours.


Take control of your car finance today—contact Sentinel Legal for a free, no-obligation consultation on your car finance commission claim.


Watch the Sentinel Legal podcast with Sam Ward & Kevin Durkin here: https://youtu.be/RsHxD7aEYL8 

Solar Heating Buildings

Business Engery Claims

Car Dealer

Car Finance Claims

bottom of page