The Financial Conduct Authority (FCA) is currently facing several legal challenges regarding its plan to compensate drivers who were affected by unfair commission deals.

英國金融行為監察局 (FCA) 目前正因其補償受不公平佣金交易影響駕駛者的計劃，而面臨多項法律挑戰。

The problem started with commission payments between lenders and car dealers from 2007 to 2024, which the FCA claims caused consumers to be overcharged. The proposed compensation plan is estimated at £9.1 billion and aims to give an average payment of £829 to about 12.1 million eligible customers. However, four groups are now challenging the legality of this plan in court, including Volkswagen Financial Services, Mercedes-Benz Financial Services, Crédit Agricole Auto Finance, and the consumer group Consumer Voice.

問題始於 2007 年至 2024 年間貸款機構與車商之間的佣金支付，FCA 聲稱這導致消費者被多收費用。擬定的補償計劃估計金額為 91 億英鎊，旨在向約 1,210 萬名合資格客戶提供平均 829 英鎊的款項。然而，目前有四個團體在法院挑戰該計劃的合法性，包括 Volkswagen Financial Services、Mercedes-Benz Financial Services、Crédit Agricole Auto Finance 以及消費者團體 Consumer Voice。

If the court supports the current plan, the FCA expects that payments will be delayed until 2027. On the other hand, if the plan is rejected, the FCA would have to change its strategy. Chief Executive Nikhil Rathi emphasized that moving to a complaints-based system through the Financial Ombudsman Service could cost lenders an extra £6 billion and take three more years to complete. This change would affect many large banks, such as Barclays, Santander UK, and Lloyds Banking Group.

若法院支持目前的計劃，FCA 預計款項將延遲至 2027 年發放。另一方面，若計劃被否決，FCA 則必須改變策略。執行長 Nikhil Rathi 強調，若改為透過金融申訴服務 (Financial Ombudsman Service) 採取基於投訴的系統，可能會使貸款機構額外增加 60 億英鎊的成本，且需多花三年時間才能完成。此變動將影響許多大型銀行，如 Barclays、Santander UK 及 Lloyds Banking Group。

Furthermore, these legal battles are affecting the FCA's own budget. The authority has already spent £20.5 million over two years to create the scheme, and the current court cases are expected to cost another £2.7 million. Despite these difficulties, Deputy Chief Executive Sarah Pritchard stated that the FCA is looking for ways to make faster payments to consumers who are in urgent need of money.

此外，這些法律之爭正影響 FCA 自身的預算。該監管機構在兩年內已花費 2,050 萬英鎊制定該計劃，而目前的法庭案件預計將再花費 270 萬英鎊。儘管面臨這些困難，副執行長 Sarah Pritchard 表示，FCA 正在尋找方法，以便向急需資金的消費者更快地提供款項。

The motor finance compensation process is currently on hold while waiting for a court decision, meaning payouts are delayed until at least 2027.

汽車金融補償程序目前處於停擺狀態以等待法院裁決，這意味著款項發放將延遲至至少 2027 年。