Two women seriously injured in Aberdeenshire crash
The women were taken to Aberdeen Royal Infirmary for treatment.Sgt Peter Henderson said: "I am appealing to any road users who were in the area around the time of the incident to contact us. "Perhaps you passed or saw one of the vehicles prior to the collision. "If you have dashcam, it may have captured images which could assist with our ongoing inquiries."
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Daily Mirror
3 hours ago
- Daily Mirror
Car finance LIVE: Watch live as 23million drivers hear if they're owed THOUSANDS in compensation
You might be one of an estimated 23 million people who can claim compensation after the Supreme Court's car finance ruling later today. Today's outcome could uphold a previous Court of Appeal decision, which ruled ruled 'secret' commission payments to car dealers as part of finance arrangements made before 2021 were unlawful. It came after three motorists who bought their cars before 2021 hadn't been informed that the car dealers - who were acting as brokers for their line of credit - would receive commission from the lenders. 16:25Graham Hiscott Man says he was 'completely misled' by dealer when he took out car loan Roy Turner is another who is seeking compensation after finding out commission had been made from his loan. The 57-year-old, from near St Andrews in Scotland, paid £8,640 for a BMW 118D in 2016. But because the interest rate on the loan was 39%, he shelled out another £9,356 in interest. 'I was completely misled by the dealer and lender when I took out a loan to buy my car,' he says. 'The financial impact on my family of the hidden commission was considerable and I am fighting to get the compensation I'm owed and see those responsible held to account.' He added: 'I hope politicians leave the judges alone and do not interfere in the legal process. All I want is the compensation I am owed.' Graham Hiscott Expert warns finance companies could pull out of UK market if there's a large pay out Motor trade expert Fraser Brown has warned some lenders will pull out - while others will up rates - if there is a huge compensation bill. Mr Brown, founder of MotorVise which works with dealerships and manufacturers throughout the UK and internationally, has been in the industry for 30 years. He says commissions on loans have always been paid, and that the rates charged to customers had traditionally been one of the flexible elements dealers could use. 'Commissons have been paid since the day dot, or certainly for the past 30 years plus,' he said. Mr Brown said commissions were still paid, but that dealers and brokers now had to point it out to customers. He insisted that 'customers aren't interested', when told commission was being earned, adding 'they just don't look at it'. And he warned: 'If there is a large-scale pay-out, there will be some finance companies that will withdraw from the UK. There are a number that will pull out. 'Others will put up the rates they offer to cover the compensation. The loser will be the consumer.' 'Vulnerable new mum' feels she was 'exploited' by car dealer who snatched commission Jemma Caffrey says she feels 'exploited' after finding out the dealer where she bought her car had earned commission. The 42-year-old from Blackburn bought her Vauxhall Corsa for £7,000 in 2009. She didn't have a car before but needed one after her son was born with medical complications and she needed to take him for regular hospital appointments. Money was even tighter as she had to go from having a full-time to a part-time job. The interest rate on her five-year Santander loan was 17.1%. Jemma, who now works for a housing association, contacted law firm Courmacs Legal who were able to tell her she was charged commission but doesn't know how much and whether the interest rate she paid was higher as a result. 'I feel I was taken advantage of as a vulnerable new mum', she said. 'I felt exploited because I was in a vulnerable possible.' 15:25Ryan Fahey Martin Lewis: 'Do not sign up to claims firms' Martin Lewis is warning motorists against rushing to sign up to claims firms before the Supreme Court ruling is handed down. Taking to social media, the consumer champion said: 'People asking me "what to do". The very strong answer right now is nothing. 'This will all play out tonight then likely over the next six weeks or so and then we'll have a good idea. Do not sign up to a claims firms. Don't do anything now.' 14:27Ryan Fahey First 'large-scale consumer mis-selling scandal' of social media age, expert says Another lawyer from the same firm, Mahesh Vara, believes this is one of the first consumer misselling scandals of the social media age. He added that the wide circulation of the case is leading people to expect a payout, which the FCA will need to consider. He tells The Indpendent: "It's now leading to a greater expectation of there being almost a guaranteed payment. That is what the FCA will have to consider.' Claims management companies have already started sharing advertisements ahead of the court's decision. Some regulators have warned consumers to avoid using them as they could be charged for a claim that won't be needed depending on today's decision. 14:16Ryan Fahey How have consumers been harmed? An expert believes something has been missing from the conversation about today's ruling - the harm the misselling could have had on consumers. Lawyer Wayne Gibbard, who is a partner at Shoosmiths law firm in charge of the automotive finance practice, said the Supreme Court decision is "absolutely fundamental" to whatever comes next. The FCA has previously said that if it believes consumers have been harmed en masse, it will set up a compensation scheme, which will be confirmed within six months of the judgment. Mr Gibbard told The Independent: 'People can make an informed decision – the query is around their harm, have they been mis-sold something? And I think that's been absent in the conversation.' 13:47KEY EVENT How many people will be able to claim compensation? Estimates suggest as many as 23 million UK drivers might be able to claim compensation following this afternoon's ruling. The decision is due to be announced shortly after 4.30pm this afternoon. 13:12Monica Charsley Why is this case so important? A finance expert has shared why the case is so important for motorists. Wayne Gibbard, who is in charge of the automotive finance practice at law firm Shoosmiths, said the ruling will be 'absolutely fundamental to what happens next' for the sector. He said it will inform the scale of potential compensation for customers, which will be overseen by the UK's Financial Conduct Authority (FCA). The FCA previously said that, if it thinks there was widespread harm to consumers as a result of commission payments, then it could set up an industry-wide redress scheme. It said it will confirm within six weeks of the Supreme Court judgment whether it is planning to launch such a scheme. Mr Gibbard stressed that this response will be particularly important going forward. He said: 'People can make an informed decision – the query is around their harm, have they been mis-sold something? And I think that's been absent in the conversation.' 11:57Monica Charsley Martin Lewis says car finance compensation ruling 'could do more harm than good' The bombshell car finance ruling is due today, and Martin Lewis has issued a warning. Today the Supreme Court will announce its decision on whether motorists will be reimbursed on their hire-purchase agreements. Car dealers have been put under the spotlight following concerns over "secret" commission pocketed from banks and other finance firms. In October last year, the Court of Appeal ruled the hidden payments made before 2021 without the motorist's consent were unlawful. Ahead of the ruling which is set to take place late this afternoon, Martin Lewis shared his fears on the outcome of the court case - which could see 23 millions drivers owed compensation. It comes after news anyone buying fuel next week will be given '£15 charge' warning by The AA. "This is going to be a shock announcement coming. It has ramifications not just for car finance firms but right across the financial services sector," the founder of said. "Depending on what the decision is, it could even have ramifications across the economy." Martin Lewis says car finance compensation ruling 'could do more harm than good' 11:51Graham Hiscott Car finance scandal explained The UK's Supreme Court is set to give a long-waited judgment in relation to the car finance commission saga today. It is set to bring clarity over how the law should be applied to car finance arrangements following a Court of Appeal decision last October. The ruling could have massive ramifications for the financial services sector and the economy as a whole, and ass many as 23 millions drivers might be eligible to claim compensation. But why is this happening, and what could it mean for you? Read all about it here. 11:04Ryan Fahey Banks already setting money aside ahead of ruling Lenders, including high street banks, are said to be bracing for impact ahead of today's ruling. High street bank Lloyds is said to have already put £1.2billion aside, while Santander has set aside £295million. Close Brothers is said to have saved £165million. These sums may be nowhere near enough to compensate consumers if the ruling comes down hard on lenders. 09:59Ryan Fahey How much could the ruling cost lenders? Analysts put the compensation payout anywhere between £30billion and £44billion - which would rival the infamous £50billion PPI scandal. The Supreme Court has the power to take this beyond the motor industry - which could see any hire purchase deal involving undisclosed commissions come under fire. This means people who purchased a bed, fridge, laptop or any other item could be in line for a payout if the court decides so. 09:51KEY EVENT People who think they may be affected should put in claim now has previously urged anyone who thinks they may have been affected to put in a complaint now, in case a cut-off date for complaints is introduced retrospectively. You should put your complaint in directly to the lender that provided the car finance - not the broker or car dealer where you got your vehicle from. You could end up being eligible for compensation if you weren't told about commission and may have paid too much for your car finance, or if you had a car finance deal that contained a DCA. MSE has a free car finance tool to help you complain. Car finance lenders have until December 4, 2025, to respond to complaints - but again, it is best to put your complaint in sooner rather than later. 09:41Ryan Fahey Chancellor fears large compensation bill could mean less money to lend Chancellor Rachel Reeves has expressed concerns that a large compensation payout from today's ruling could leave banks with less money to lend. This could be another factor to add to the slowed economic growth the country is currently experiencing. However, other reports suggest the Supreme Court could provide lenders some relief - which has led analysts to reduce their payout forecasts. Most Brits purchase their new or second cars under a finance agreement. Buyers usually put down a deposit with lenders providing the credit for the rest of the vehicle's cost. 09:34KEY EVENT Ruling could 'shake the foundations' of consumer lending, Martin Lewis says Martin Lewis said today's decision could have devastating consequences for consumer lending, limiting the amount of available credit for Brits. He said: 'If the Supreme Court upholds the Court of Appeal's decision the knock on effects could be substantial on other forms of lending and on the economy. To be honest it could shake the foundations of consumer lending in the country, meaning less possible available credit for many. So much so that I have concerns that it could do more harm than good.' Martin Lewis says ruling could impact the British economy Consumer champion Martin Lewis warned the outcome of the case had huge economic and political implications. Mr Lewis, founder of said: 'This is going to be a shock announcement coming. It has ramifications not just for car finance firms but right across the financial services sector. Depending on what the decision is, it could even have ramifications across the economy.' 09:29Ryan Fahey What sparked the case? The three drivers, Marcus Johnson, Andrew Wrench and Amy Hopcraft, all used car dealers as brokers for finance arrangements for second-hand cars, all worth less than £10,000. Only one finance option was presented to the motorists in each case, with the car dealers making a profit from the sale of the car and receiving commission from the lender. The commission paid to dealers was affected by the interest rate on the loan. The schemes were banned by the FCA in 2021, with the three drivers taking legal action individually between 2022 and 2023. After the claims reached the Court of Appeal, three senior judges ruled that the lenders were liable to repay the motorists the commission, as there was 'no disclosure' of the commission payments in Ms Hopcraft's case, and 'insufficient disclosure' in the case of Mr Wrench.
Scottish Sun
a day ago
- Scottish Sun
Four people in hospital including teen girl after multi car crash on Scots road
Cops are appealing for the public's help ROAD HORROR Four people in hospital including teen girl after multi car crash on Scots road Click to share on X/Twitter (Opens in new window) Click to share on Facebook (Opens in new window) FOUR people, including a teenager, are in hospital after a multi-car crash on a Scots road. The collision unfolded between three motors in Kirkcaldy, Fife, yesterday around 5.50pm. Sign up for Scottish Sun newsletter Sign up 2 Cops are probing the crash Credit: Alamy A white Seat Leon, a grey Vauxhall Corsa and a black Toyota Auris crashed on Invertiel Road in the town. Three men, aged 64, 56 and 19, and a 17-year-old girl were taken to the Royal Victoria Hospital in the town. Cops shut down the road as they began probing the smash. It was locked down for just over six hours as they tried to figure out what happened. Traffic cops have now urged anyone with information to come forward. Drivers who have dash cams and were on the road at the time have been urged to get in touch. Sergeant Lee Walkinshaw said: 'Our enquiries are ongoing to establish the circumstances and I am appealing for anyone who was in the area and witnessed the crash, or saw the vehicles involved prior to the collision, to contact us. 'I would also ask anyone who was on the road around the time and who may have dash cam footage which could assist to get in touch.' A Police Scotland spokesperson added: "Road policing officers are appealing for witnesses after a three vehicle crash in Kirkcaldy. "Around 5.50pm on Wednesday, 30 July, 2025 we received a report of a crash involving a white Seat Leon, a grey Vauxhall Corsa and a black Toyota Auris on Invertiel Road. Police and ambulance crews race to Scots street amid emergency incident "Emergency services attended and three men aged, 64, 56 and 19 and a female, aged 17, were taken to Royal Victoria Hospital for treatment. "The road was closed to allow enquiries to be carried out and reopened around 12.15am on Thursday, 31 July." Anyone with any information is asked to contact 101 quoting reference 2927 of 30 July, 2025.
BBC News
a day ago
- BBC News
Four people taken to hospital after crash between three cars in Kirkcaldy
Four people have been taken to hospital after a crash involving three cars in were called to the smash involving between a white Seat Leon, a grey Vauxhall Corsa and a black Toyota Auris on Invertiel Road in Kirkcaldy at about 17:50 on men aged, 64, 56 and 19, and a 17-year-old girl were taken to Royal Victoria Hospital for road was closed for investigation and reopened at about 00:15. Sgt Lee Walkinshaw said: "Our inquiries are ongoing to establish the circumstances and I am appealing for anyone who was in the area and witnessed the crash, or saw the vehicles involved prior to the collision, to contact us."
