Why Claims Succeed

Why These Claims Are Likely to Succeed

Claims for undisclosed commissions (UDC) have a strong foundation in UK legal precedent, increasing regulatory scrutiny, and clear patterns of misconduct in the sub-prime lending industry between the late 1990s and early 2000s. This makes these claims both credible and likely to succeed, particularly for borrowers who were unaware that brokers were paid commissions by the lender.

1. Strong Legal Precedent

Several key cases have established that where commissions were not disclosed — or only partially disclosed — borrowers may be entitled to compensation or have the loan rescinded. Notable examples include:

Wood v Commercial First Business Ltd & Ors (2021)

The Court of Appeal confirmed that secret commissions received by brokers from lenders, if not fully disclosed to the borrower, can amount to a bribe or unlawful secret profit. The judgment clarified that a fiduciary relationship is not required to pursue this type of claim.

Business Mortgage Finance 4 plc v Pengelly

The Court held that partial or “half-secret” commission disclosures (e.g. vague mentions that a commission “may be paid”) are not enough. Full and transparent disclosure of the amount is required for the commission to be lawful.

Hurstanger Ltd v Wilson (2007)

Even when a broker tells a borrower that a commission will be received, failure to disclose the actual amount still breaches their duty. The lender can then be held liable as an accessory to that breach.

Bribery Act 2010 – Case 4 Offence

The Act outlines that a person receiving a financial advantage in a way that causes them to perform a function improperly may have committed an offence. This supports the idea that brokers recommending loans while hiding commission payments were acting improperly.

2. Industry Misconduct & FCA Scrutiny

The Financial Conduct Authority (FCA) has acknowledged widespread issues across the sub-prime lending sector, including:

• Improper commission arrangements

• Lack of transparency by brokers

• Failure to prioritise borrower interests

Lenders often gave brokers financial incentives to recommend their products, regardless of whether those products were best for the customer. This undermined consumer trust and fairness — and in many cases, led to inflated interest rates and unaffordable terms.

3. Real-World Claim Successes

Though Tyler Media and E-Chambers-Direct Ltd are in the early stages of launching these claims, other legal and claims management firms have already seen real success in recovering funds for consumers:

• ✅ £208,000 recovered against Platform Mortgages

• ✅ £186,000 secured from Engage Credit

• ✅ Thousands of borrowers have already had loans reviewed or refunded based on secret commission grounds

While each case is unique, these examples prove that with the right legal representation and supporting documentation, successful outcomes are not only possible — they are already happening.

4. Why You Can Be Confident in Your Claim

✔️ The law is on your side – case law clearly supports compensation
✔️ These commissions were widespread and often well-hidden
✔️ If successful, you may recover thousands of pounds
✔️ You pay nothing unless you win — there’s no financial risk

Even if your loan was paid off years ago, or you no longer have the original paperwork, we can still pursue a claim. Our team will request the necessary documents (via DSAR) and ensure your case is properly assessed.

Tyler Media and E-Chambers-Direct Ltd are committed to helping UK borrowers seek justice.
If you were misled, overcharged, or left in the dark about broker commissions — you may be legally entitled to compensation.