BBC Sounds, Music, Radio, podcasts. Hello and welcome to the Martin Lewis podcast. I do wonder what

that's going to be about. Now, this is a special extra emergency edition of the podcast as we have

just had the Supreme Court ruling on car finance be selling. I know many of you want to know

exactly what's going on, and so

hopefully this will explain it. Now, I should say the mainstay of this is an interview I did on

Five Live Drive, not long after we had the announcement. But because they'd already been talking

to other people beforehand, there's a few things I didn't explain. So let me explain those now

before you get into it. The first thing to understand is there

were two different types of car finance misselling cases. The first one, the one that I've been

talking about, we've talked about on the podcast and have had three million template letter

complaints go through my website is discretionary commission arrangements. Now, that wasn't

being talked about at the Supreme Court. That wasn't what the Supreme Court was looking at,

but it was still on hold awaiting the Supreme Court decision. Now, a discretionary commission

arrangement is when you went to a car dealer or broker and they could increase the amount of

interest that you paid in order to

get more commission to themselves without telling you. You can see the obvious unfairness there.

Now, what we were waiting to see from the Supreme Court is whether there was anything in there

that would stop the regulators likely plans to organise a redress scheme

on misselling for discretionary commission arrangements. And there wasn't anything. So it is

very likely that it will go ahead and launch a consultation probably very quickly. You'll hear

more about that in the interview. What the Supreme Court was actually discussing were three different elements of,

we'll call it, commission disclosure. Was the commission appropriately disclosed to you? The first

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