Who told you that none was applied? Not every deal had a commission element but I would be surprised if all 5 had none.

 

Hi My first car was June 2009 and my last car was 2017 they have said so far 3 of the cars had no Commission applied and the other 2 they have not replied as yet .That came from BMW Finance just seems odd. If BMW did not apply DIscressionary Commission just tell al the Car Buyers and they will save some money.

 

It's a bit of a minefield but if you haven't already then I suggest you read the following and use the tools provided...

https://www.moneysavingexpert.com/reclaim/reclaim-car-finance/#free-tool