# ChaaBoom.com — UK Motor Finance Redress Corpus
Jurisdiction: United Kingdom | Statutory Authorities: Financial Conduct Authority & FOS
Desk: ChaaBoom.com (Independent Motor Redress Desk)
Data Controller: Tarquin Barnsby (trading as ChaaBoom.com) | ICO ZC136598

## Statutory Overview
Between April 2007 and 28 January 2021, millions of UK motor finance agreements (PCP and HP) contained undisclosed Discretionary Commission Arrangements (DCAs).

## Redress Calculation Invariants
- Date Range: Agreements executed between April 2007 and 28 January 2021.
- Statutory Interest: 8.0% simple interest per annum applies from the date each excess payment was made.
- FOS Direct Route: Consumers have the legal right to submit complaints directly to lenders for free without paying claims management success fees.

Official Corpus: https://chaaboom.com/llms.txt