11 min read
Legal disputes
Informed Consent
Understanding
Ensure transparency & Informed Consent in every claim
Law firms and claims management companies handling motor finance commission claims face an urgent challenge: how to pursue PCP and HP finance mis-selling cases ethically and compliantly, while maintaining client trust. The recent wave of motor finance claims – involving hidden commission car finance deals and discretionary commission arrangements – has drawn intense scrutiny from regulators.
i agree offers a transformative solution: an informed consent platform that makes every client agreement clear, transparent, and provably understood. We help you meet FCA Consumer Duty and SRA standards, ensure fee transparency, and ultimately reduce complaints.
Between 2007 and 2021, millions of UK consumers took out car finance agreements (mostly PCP and HP deals) without being told that dealers or brokers were paid a discretionary commission. This hidden commission model let brokers raise interest rates to earn more – a blatant conflict of interest. The FCA banned these commission arrangements in 2021 as “harmful and unfair”, but by then countless deals were already in force. Now, consumers are filing car finance commission claims en masse, alleging they were mis-sold loans on an unfair basis.
The stakes are huge. A pending Supreme Court case (expected August 2025) will determine if non-disclosure of commissions made those contracts “unfair”. Analysts say this could be the next PPI scandal, with potential redress costs estimated at £11–£15 billion. The FCA has signaled it may launch a motor finance redress scheme to compensate affected customers. In other words, motor finance claims are about to explode – and claims management companies (CMCs) and law firms are scrambling to sign up clients before a free scheme emerges.
But with opportunity comes intense regulatory scrutiny. Both the Solicitors Regulation Authority (SRA) and Financial Conduct Authority (FCA) have put the motor finance claims sector under the microscope. If your firm is helping drivers reclaim unfair PCP/HP costs, you must do it the right way – now – or risk regulatory action and reputational damage.
i agree helps : Informed Consent made easyThis turbulent landscape actually highlights a core problem: most clients never truly understood those car finance deals in the first place. That’s where i agree comes in. Our platform was built to ensure no one signs anything they don’t understand. It’s like moving from simple e-signatures to a full “evidence of informed consent” system.
i agree Instead of just handing over dense contracts or letters and hoping for the best, you deliver agreements through an interactive, user-friendly experience. Our platform doesn’t just collect a signature – it provides a plain-English, spoken summary of key terms and highlights crucial points, before asking the client to confirm their consent. Each customer is guided through what the contract really means, whether it’s how your success fee works or what a Letter of Authority allows. The result? Clients who actually comprehend what they’re agreeing to, and who feel in control.
“Many consumers signed contracts but never understood how commissions worked... The info might have been there in legal terms, but no one explained it. This is the gap i agree to close. Our platform gives clients a simple spoken summary of key terms… so people can make informed decisions before they agree to anything. If lenders or brokers had used a model like ours, there likely wouldn’t be a scandal in the first place.”
With i agree , you can effortlessly incorporate compliance checkpoints into your onboarding:
Upfront disclaimers and alternatives: Easily inform clients about any free redress scheme or alternative routes within the consent process, as required by regulators. The client must acknowledge this information before proceeding.
Transparent fees and terms: Present your fee structure, letters of authority, and terms of engagement in a clear, visual format. For example, before signing a Letter of Authority or retainer, the client might watch a 30-second video summary of what they’re authorizing and see a bullet list of key terms (e.g. “Our service fee is 30% of any compensation. You can cancel anytime at no cost.”). No more glossing over critical details – everything is understood and logged.
Layered content for clarity: Break down complex legal jargon into bite-sized explanations. Clients can drill into definitions (what “discretionary commission” means, for instance) or replay a summary if needed. This ensures even those with no legal background grasp the essentials. i agree delivers information in multiple formats – text, audio, video – to suit different learning needs, which is crucial for truly informed consent.
Active confirmation of understanding: After the client reviews the summary and key points, i agree prompts them to actively confirm (via a checkbox or verbal confirmation) that they understand and agree. This goes beyond a simple signature or tick-box. It captures explicit consent on each important clause, just as the SRA expects.
All of this happens seamlessly online, with a polished user experience. In fact, firms that have started using i agree for client onboarding see faster sign-ups because clients aren’t intimidated by walls of text. When you replace a 10-page terms document with an engaging walkthrough, clients respond positively. You’re not only staying compliant – you’re also providing a modern, customer-friendly journey.
Understanding and agreement are only half the story – proving it is the other half. If regulators or ombudsmen ever question whether a client really knew what they were signing, 
i agree has your back. Our platform automatically generates a detailed audit trail for each agreement:
Every click, view, and consent is recorded: You get time-stamped logs showing exactly which sections a client viewed, what summaries were presented, and how they responded. For example, you’ll know if they replayed the fee explanation video or spent extra time on the cancellation terms page.
Proof of comprehension: We track confirmations for each key clause (e.g., “Client checked a box confirming they understand the 30% fee” at 10:30 AM on Aug 10, 2025). This is concrete evidence of informed consent – far beyond an IP address on a signature. Regulators like the FCA and SRA now expect firms to show that the customer understood the terms, not just that they signed them. With i agree , you can demonstrate understanding with confidence.
Exportable reports for regulators: Need to respond to an SRA inquiry or a complaint? In a few clicks you can export a PDF report of the entire customer agreement journey. It will detail the disclosures made (free scheme, rights to cancel, etc.), the client’s interactions, and the final consent. This level of documentation can make all the difference in an investigation or court case – showing that your firm went the extra mile to be transparent and fair.
By bolstering your audit trail, i agree effectively serves as a compliance insurance policy. Should a dispute arise, you can prove that clear communication was given at every step. Remember, many complaints in financial services aren’t about breaking rules, but about customers feeling confused or blindsided. When you proactively ensure understanding, you prevent those complaints before they happen. In fact, clear communication has been shown to drastically reduce complaint volumes, since fewer clients feel the need to escalate issues.
i agreefor Motor Finance Claims now?Using i agree isn’t just about avoiding trouble – it’s about positively differentiating your firm in a crowded claims market. Here’s why forward-thinking CMCs and law firms are embracing this solution today:
With Consumer Duty now in force, and SRA/FCA monitoring in overdrive, i agree ensures you meet (or exceed) every requirement by design. You’ll automatically inform clients of free alternatives, clarify fees, and secure explicit consent, ticking off regulators’ boxes without breaking a sweat. Compliance becomes baked into your process.
Imagine the impression on a new client: instead of a hard-sell, you walk them through their PCP commission claim rights clearly, mentioning even the option to go it alone or wait for a free scheme. Being so upfront might seem counterintuitive, but it builds immense credibility. Clients are more likely to choose you – and stick with you – because they feel you’re honest and have nothing to hide. Plus, they’ll actually understand your letter of authority and terms, preventing confusion later.
When clients know exactly what to expect (e.g. “If a free redress scheme launches, I can withdraw without penalty”), they’re far less likely to complain or quit mid-way. Informed clients = happier clients. By using i agree clarity-first approach, you can cut down on disputes and negative reviews that plague less transparent competitors. This also means less time firefighting issues and more time winning cases.
A looming concern is that if the FCA launches a free motor finance redress scheme, clients might walk away from paid representation. With i agree, you mitigate this risk. How? You document that the client was aware of potential free options yet chose your service for its benefits. This informed consent could discourage buyers’ remorse later. And because i agree boosts client satisfaction, they’ll be less inclined to abandon your firm even if alternatives arise.
By standardizing your onboarding wit i agree, every client gets the same clear explanation, no matter which agent or solicitor handles the case. This consistency not only improves quality, but speeds up sign-ups. Fewer back-and-forth calls about “what does this clause mean” or chasing signatures. Everything is handled in one smooth, digital flow that clients can complete on their own time (even on a smartphone). Your team saves time, and you can scale up confidently as claim volumes grow.
Ultimately, adopting i agree sends a powerful signal: that your firm values ethical practices and client understanding above all. In a sector under the spotlight for aggressive tactics, this is a competitive advantage. You’ll attract clients and partners who seek quality and integrity – and you’ll sleep easier knowing your processes won’t trigger regulatory nightmares.
In summary, the motor finance claims arena is at a crossroads. Consumer trust and regulator trust have to be earned through transparency. i agree helps you do exactly that – turning a compliance necessity into a competitive advantage. As the SRA/FCA joint warning shows, firms that prioritize informed consent and clear communication will thrive, while those that don’t risk being left behind or shut down. Now is the time to elevate your process.
Don’t just handle the PCP claims wave – lead it with ethics and excellence. i agree is here to ensure every client can confidently say “I understand and I agree.” Equip your team with the tools to prove informed consent, streamline your onboarding, and stand out as a compliant, client-centric firm.
Get in touch or try a demo and see how i agree e can transform your motor finance claims process today. Let’s build trust into every agreement, together.
They arise when commission on PCP or HP car finance was not disclosed. Hidden or discretionary commission may have raised costs, making agreements unfair and eligible for redress.
Be honest in marketing, explain fees and cancellation rights clearly, and signpost any free redress routes. Firms must get explicit, informed consent from clients.
i agree ensure “evidence of informed consent”?
It records what the client saw and confirmed, with time stamped logs and reports. You get a clear audit trail that proves understanding, not just a signature.
Signatures and tick boxes show agreement but not understanding. i agree adds clear explanations and confirmations so you can demonstrate the client truly understood.
i agree help with letters of authority and client onboarding in claims?
It explains the Letter of Authority in plain English, then captures the authorisation digitally. Client care letters and terms follow the same clear flow.
i agree compliant with the FCA’s Consumer Duty and SRA rules?
Yes. It supports clear communications, informed decisions and good cost information. You can evidence what was explained and what the client confirmed.
i agree slow down my sign-up process or annoy clients?
No. Most clients finish in minutes on mobile. The flow is simple, reduces questions and usually improves conversion and complaint rates.
If you have more questions, take a look at our full FAQs page where we cover a wider range of topics in more detail. It’s a quick way to find answers and explore other subjects that might be useful to you.
