Mis-sold Car Finance High Court Grants Appeal In Mis-Sold Motor Finance Judicial Review By Comms Team. Published 15th January 2025. Share on LinkedIn Share with Twitter Share with Facebook Home Blog High Court Grants Appeal In Mis-Sold Motor Finance Judicial Review On 17 December 2024, The High Court found in favour of the Financial Ombudsman Service (FOS) in a review of its decision to uphold a complaint relating to a discretionary commission arrangement in a motor finance agreement. The court found Clydesdale Financial Services Limited failed to meet standards, as motor finance commission disclosures were inadequate, making the borrower-lender relationship unfair. The High Court has now granted Clydesdale permission to appeal given the significance of the decision. Coby Benson comments: The Court has the power to grant permission where the appellant has a ‘real prospect of success’ or there is ‘some other compelling reason’, The court described the merits as ‘weak’ and prospects of success as ‘dim’. However, the court also acknowledged the importance of the decision to the wider industry and therefore considered that to be a sufficiently compelling reason. The court concluded that permission to appeal would be granted, ‘without much enthusiasm’. Coby continues: Whilst we are disappointed that the lenders continue to delay matters and run spurious arguments, we welcome the court’s appetite to provide further clarity and exhaust all possibility avenues of challenge. You can view the full High Court decision here.