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Financial litigation experts who are always on the side of fairness and at the side of our clients

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35+ years of combined financial litigation experience across Debt Recovery, Dispute Resolution & Commercial Litigation

Our litigators are experienced at all levels of the UK court system, including the Supreme Court & Court of Appeal

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All the latest news, views and insights.

Supreme Court delivers clarity in Johnson v FirstRand

On 1 August 2025, the Supreme Court handed down its long-awaited decision in Johnson v FirstRand, bringing much-needed clarity to the legal landscape surrounding motor finance commission claims. The judgment addressed whether car dealers owed fiduciary duties to customers, the role of undisclosed commissions, and the relevance of the unfair relationship provisions under the Consumer Credit Act. While the Court closed the door on certain common law claims, it left open a narrower pathway for redress in specific circumstances. This blog explores the key findings, their implications for consumers and lenders, and what may lie ahead for the motor finance industry.

The importance of the upcoming Supreme Court decision on Johnson

The anticipated Supreme Court judgment in Johnson v FirstRand Bank Limited, Wrench v FirstRand Bank Limited and Hopcroft & Another v Close Brothers Limited (“Johnson”), expected in July 2025, will address pivotal questions regarding broker and lender liability in motor finance commission cases. The appeals of Johnson & Others concern the disclosure of commission payments to car dealers and their disclosure to customers. The decision has the potential to significantly influence any future redress scheme, with the Financial Conduct Authority (FCA) expected to announce its position within six weeks of the ruling.

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Together we are offering clients a new way to experience litigation. Easier, fairer, better.