How do I dispute return charges on a business lease or van?
Complain in writing to the leasing company first. If it is a BVRLA member and you are not satisfied, use the BVRLA dispute service within twelve months, or agree an independent engineer whose finding binds both sides. Sole traders and small partnerships may also be able to use the Financial Ombudsman Service.
Last reviewed . Every figure links to its source.
Which route is open to you
| Customer | Financial Ombudsman Service | BVRLA dispute service |
|---|---|---|
| Limited company | Usually no | Yes, if the lessor is a member |
| Sole trader or small partnership | Often yes | Yes, if the lessor is a member |
| Employee with a company car | Usually no. The employer is the customer | Through the employer |
The leasing company's final response should tell you whether you can go to the ombudsman.1
Vans have their own standard
The BVRLA publishes a separate guide for light commercial vehicles, with its own tolerances. Ask which guide and edition was applied. A van inspected against the car standard has been inspected against the wrong one.
Working wear still has limits. A van driver argued that a hole worn in the footwell floor covering by work boots was fair wear and tear. The ombudsman disagreed, and noted the standard says carpets should not have holes.2
What to check on a fleet bill
- Evidence for every line. Members must supply a breakdown, how it was calculated and the photos or video.3
- Notification within four weeks of the vehicle's return.3
- Lines that repeat across vehicles. The same charge on every van in a batch is worth questioning.
- Charges that fall on the driver. If your policy passes charges to drivers, they need the same evidence.
The independent engineer
Either side can ask for an examination by an independent qualified engineer agreed by both. The finding binds both sides, and if it favours you the leasing company refunds the reasonable cost.3
Scale
Almost half of lease cars returned in 2025 were charged for wear and tear, at an average of £421 a car.4 On a fleet that is worth checking line by line. Contact us about the version for fleets and brokers.
Quick answers
- Can a limited company use the Financial Ombudsman for lease charges?
- Usually not. A limited company can use the BVRLA dispute service if the leasing company is a member.
- Is there a separate fair wear and tear standard for vans?
- Yes. The BVRLA publishes a separate guide for light commercial vehicles.