What is an Undisclosed Commission Claim?
When you take out a mortgage, loan or credit card through a broker or intermediary, part of what you pay may go towards a commission the lender pays to that broker. If that commission wasn’t clearly disclosed to you at the outset, you may have been mis-sold — because you couldn’t make an informed decision.
Many individuals in the UK may have unknowingly paid extra because this fee was hidden in their contract.
If your broker or lender withheld information about commissions they received, you could be entitled to claim compensation for what you overpaid.
Who is Eligible to Claim?
- You took out a mortgage, personal loan, or credit card with the help of a broker or intermediary.
- You were not told (or not clearly told) that the broker would receive a commission from the lender.
- The commission was hidden or unclear, meaning you couldn’t evaluate how much you were paying for that broker’s involvement.
- Because of that lack of disclosure, you believe you ended up on worse terms (e.g., higher rate) than you would have otherwise.
- You still have documents or can access your agreement details.
Learn more about Our Fees and How Our Fees Work.
How Does Undisclosed Commission Happen?
Hidden commissions can make your loan, mortgage or credit agreement far more expensive than it should have been.
Here’s how undisclosed fees and broker payments happen, and why they could mean you’ve been mis-sold.
Hidden Broker Payments
This lack of transparency means you couldn’t make a fully informed decision. If you didn’t know your broker was being paid by the lender, your deal may have been unfair or more expensive than it should have been.
Higher Unknown Costs
Even a small hidden commission can increase your repayments or extend how long it takes to clear your balance. Over time, that can add up to thousands of pounds you shouldn’t have paid.
Lack of Clarity or Choice
If your lender or broker didn’t explain who was being paid (or how much) you weren’t given the chance to properly compare products or understand true costs. That lack of disclosure can make the agreement mis-sold.
How Courmacs Legal Can Help
At Courmacs Legal Ltd we specialise in claims for undisclosed commissions on loans, mortgages and credit cards. Here’s how we’ll support you:
Review Your Agreement
We’ll examine your loan, mortgage, or credit card documents in detail to identify any hidden commissions or irregular terms. This includes checking whether your lender or broker disclosed all fees and if your agreement meets the standards for fair, transparent lending.
Gather the Evidence
You don’t need to dig through endless paperwork. Once we have basic details like your lender, broker and product type, our team will contact the necessary parties to retrieve all relevant records — including commission data, contracts and communications.
Calculate What You’re Owed
We’ll work out exactly how much you may have lost due to undisclosed commissions or inflated interest rates. This includes assessing what your payments should have been if all costs were transparent, and what compensation you’re entitled to reclaim.
Handle the Entire Process
From start to finish, we manage your claim for you. Our team handles correspondence, negotiations, and legal submissions — keeping the process stress-free and easy to follow. You’ll receive clear updates at every stage, with no jargon or unnecessary complexity.
Expert Legal Support
Courmacs Legal has extensive experience in financial mis-selling and undisclosed commission claims. Our specialists are here to make sure your rights are protected, your case is handled efficiently, and you get the fair outcome you deserve.
Frequently Asked Questions
No. You are not required to use a law firm or claims company to make a complaint or claim for compensation.
You can raise a complaint directly with your lender yourself, and if you are unhappy with their response, you can escalate the matter for free to the Financial Ombudsman Service (FOS).
We are here to provide expert support, handle the process on your behalf, and improve your chances of navigating complex issues successfully, but the choice is entirely yours.
