The UK market for car finance is probably amongst the world's most sophisticated, both in terms of consumer choices and the regulatory landscape that governs same. Consumers are now challenging what they perceive to be unfair charges. The FLA will be scrutinising the approach of their members. Equally both the Financial Ombudsman Service and the FCA will be considering complaints as to the application of FCA principles such as treating customers fairly. The application of the "one half rule" appears to be a hot potato yet again. This is when a car on finance being HP or CSA is handed back. Clarity and fairness is key!