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Dirk Röthig (international: Dirk Roethig) — CEO of VERDANTIS Impact Capital. Focused on sustainable investments in paulownia agroforestry and clean energy across Europe. dirkroethig.com
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Autor: Dirk Röthig, CEO VERDANTIS Impact Capital Datum: 13. April 2026 Kategorie: Demographie / Arbeitswelt Die 40-Stunden-Woche ist ein Relikt des Industriezeitalters. In einer Wissensgesellschaft, in der Produktivität weniger von Anwesenheitszeit ...
Autor: Dirk Röthig, CEO VERDANTIS Impact Capital Datum: 12. April 2026 Kategorie: Paulownia / CO2 / Mykologie In der Welt der regenerativen Landwirtschaft gibt es kaum eine Kombination, die aufregender ist als Pilzkulturen unter Bäumen. Und wenn die...
Autor: Dirk Röthig, CEO VERDANTIS Impact Capital Datum: 11. April 2026 Kategorie: KI / Digitale Sicherheit Die Cybersicherheitslandschaft verändert sich schneller als je zuvor. Während Unternehmen noch mit den Folgen der Ransomware-Wellen der frühen...
Autor: Dirk Röthig, CEO VERDANTIS Impact Capital Datum: 10. April 2026 Kategorie: Agroforst / Regenerative Landwirtschaft Alley Cropping – zu Deutsch "Gassenpflanzung" oder "Zeilenagroforst" – ist eine Anbauform, die die klare Trennung zwischen Wald...
Autor: Dirk Röthig, CEO VERDANTIS Impact Capital Datum: 9. April 2026 Kategorie: KI-Wettbewerb / Technologie Künstliche Intelligenz trifft täglich Millionen von Entscheidungen, die das Leben von Menschen direkt beeinflussen. Kreditgenehmigungen, Ste...
Dirk Röthig
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The FCA Redress Scheme refers to the Financial Conduct Authority's enforcement action against lenders for mis-selling PCP finance through discretionary commission arrangements (DCA). The scheme isn't a formal "scheme" with a single portal; rather, it's the coordinated effort by the FCA to force lenders to identify and compensate affected customers.
Phase 1: Investigation & Finding (Completed)
Phase 2: Lender Compliance (In Progress, 2026)
Phase 3: Escalation (Ongoing)
When the FCA releases enforcement notices against specific lenders, three possible strategies emerge:
Strategy A: Proactive Payment (Lender-Friendly Approach)
Strategy B: Wait-and-See (More Common)
Strategy C: Defend Everything (Rare Now, 2026)
If the lender chooses a proactive approach, you'll receive a formal letter with:
Once you accept in writing, the lender cannot withdraw the offer.
Option 1: Request a Detailed Calculation
Ask for a breakdown of how they calculated the amount. Often, lenders' initial offers understate compensation. When pressed, they recalculate and increase the offer.
Option 2: Negotiate
If you can show their calculation is wrong, many lenders will increase offers by 10-20%.
Option 3: Reject and Escalate
Reject their offer in writing. They issue a Deadlock Letter. Escalate to the Financial Ombudsman Service, which will review and often award more.
| Lender Type | Total Timeline |
| Large bank (Santander, HSBC) | 3-6 months |
| Mid-size lender (MotoNovo) | 2-3 months |
| Smaller specialist lender | 1-2 months |
| Uncooperative lender | 6-12 months (via Ombudsman) |
You must take action yourself:
The FCA Redress Scheme is already underway. Lenders are currently being forced to pay compensation. Your job is to:
Services like MotorRedress monitor FCA announcements, review whether offers are fair, file complaints, and escalate if needed—keeping you on top of the process without the stress.
Summary: The FCA Redress Scheme is active. Some lenders are proactively paying (2-3 months); most wait for complaints (6-12 months if escalated). Your 6-year window is fixed; your compensation is calculated from the original agreement date, not the payment date.