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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 ...
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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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A Discretionary Commission Arrangement (DCA) is when a car dealer gets paid extra money by the lender for arranging your car finance, and this extra cost gets buried in your interest rate without you being told about it. You end up paying more than the interest rate should actually be—without knowing why or having agreed to it.
Think of it like this: A dealer earns money two ways. First, they make profit when they sell you the car. Second, they make commission from the lender for bringing them finance business. The problem is when that second source of income is hidden from you and paid for by inflating your interest costs.
Let's break down a real example:
The Lender's Perspective
Santander (for example) might tell the dealer: "If you arrange finance with us, we'll pay you a commission. The rate is between 1.0% and 4.5% of the finance amount, depending on the customer's credit profile and the loan terms."
The dealer can choose how much commission to claim—anywhere in that range. They're incentivized to claim the maximum, which is where the problem begins.
Your Perspective (The Customer)
You go to the dealership to buy a £20,000 car on PCP. The finance manager says:
"We can offer you finance at 4.5% APR."
You agree. But here's what you don't know:
Over a 4-year PCP term, this hidden 1.3% might cost you £800-1,200 in extra interest—money the dealer pocketed without you knowing.
It's All About Disclosure
The FCA's investigation found that lenders and dealers weren't properly disclosing:
The FCA found that:
This is one of the largest mis-selling scandals in recent UK financial history, alongside PPI (Payment Protection Insurance) and mortgage endowments.
Ask yourself:
If you answered yes to questions 1 and no to 2, 3, and 4—you were very likely affected by DCA mis-selling.
In 2021, the FCA identified systematic failures by lenders:
Yes. You don't need to remember the exact commission rate or even specific details about what happened. If you:
Then you have a viable claim. The lender has all the records and must prove they did disclose commission, which most can't.
Resources like MotorRedress help customers understand whether they were affected by DCA and what compensation they might be entitled to, without requiring you to be a finance expert.
Summary: DCA is when dealers secretly add commission to your interest rate without telling you. Over 500,000 customers were affected, typically being charged £300-1,500 extra. If you had a PCP between 2008-2021 and the commission wasn't clearly disclosed, you can claim.