Car Finance Claims
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Car finance agreements found in seconds.
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Could you be owed money?
You might have a claim if your car finance agreement included any of these.
If you took out PCP or HP finance between April 2007 and November 2024, you could be owed compensation.
 | Discretionary Commission Arrangements (DCAs)Here dealers could secretly increase your interest rate. |
| Unfairly High CommissionWhere commissions were excessive compared to the loan amount. |
| Contractually Tied ArrangementsWhere dealers claimed to find the best deal but were actually tied to a single lender. |
If you took out PCP or HP finance between April 2007 and November 2024, you could be owed compensation.
How it works
We find your agreements
Our system connects with major credit reference agencies and vehicle registration databases, allowing us to identify all car finance agreements linked to you, even if you have changed your name or moved to a different address.
We take the wheel
Once you provide your basic details, our system get’s to work. Within seconds we’ll pull together your historic car finance agreements, even those dating back before 2007, which are often difficult for individuals to locate.
The real work begins
Your claim is passed to our partner law firms, who review all your agreements individually. They gather evidence. Negotiate directly with lenders and work to maximise your compensation all on a , meanwhile, you don’t have to lift a finger.
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good to know
No Win No Fee Promise
1Where No Win, No Fee is offered - You pay nothing unless your claim is successful. A fee between 18 - 36% including VAT applies on successful claims (fee dependant on level of redress secured), and a cancellation fee may apply outside the 14 day cooling-off period. We may receive a fee for introducing you to a third party/panel solicitor, this does not affect any compensation you may receive.
About Your Choices
Please note that you have the right to pursue your motor finance mis selling claim with the lender directly, through the Financial Ombudsman Service or any public compensation scheme, including any industry wide redress scheme that the FCA will introduce in 2026. Whilst we will always strive to get you the maximum amount of compensation possible, there is no guarantee that we will recover any more than you may achieve if you pursued the claim on your own.
FCA Updates
The FCA has extended the deadline for motor finance firms to respond to complaints about discretionary commission arrangements until 4 December 2025.
The FCA has confirmed plans for an industry-wide motor finance compensation scheme expected in 2026.
It will cover car finance agreements taken out between April 2007 and November 2024, with average payouts estimated at around £700 per agreement.
FCA Motor Finance Review - Latest UpdateGot questions?
You may be eligible to make a car finance claim if your agreement between April 2007 and November 2024 included any of the following:
- Discretionary Commission Arrangements (DCA): when a broker or dealer could raise your interest rate to earn higher commission — without telling you.
- Unfairly High Commission: when the commission exceeded 35 % of the total cost of credit and 10 % of the amount borrowed, making the loan more expensive.
- Contractually Tied Arrangements: when a dealer claimed to compare lenders but was effectively tied to one provider.
If any of these apply, you could be owed compensation.
You might have a mis sold car finance agreement if:
- Your interest rate was higher than necessary.
- The dealer or broker earned a commission they didn’t disclose to you.
- The terms of your agreement were unclear or misleading.
Our PCP claims checker can quickly confirm if you’re eligible for a refund.
Our PCP claims experts assist customers with claims involving major lenders, including Black Horse Ltd, Volkswagen Financial Services (UK) Ltd, FirstRand Bank Ltd (London Branch), BMW Financial Services (GB) Ltd, Santander Consumer (UK) PLC, RCI Financial Services Ltd, Vauxhall Finance PLC, Close Brothers Ltd, PSA Finance UK Ltd, FCE Bank PLC, Mercedes-Benz Financial Services UK Ltd, CA Auto Finance UK Ltd, Clydesdale Financial Services Ltd, Blue Motor Finance Ltd, NIIB Group Ltd, Toyota Financial Services (UK) PLC, Moneybarn No. 1 Ltd, Hyundai Capital UK Ltd, Startline Motor Finance Ltd, and many more.
If your agreement was with one of these lenders or others not listed, you may still be eligible for compensation. Our PCP claim services can help you get started.
Yes. If your lender has stopped trading, you can still claim against the dealer or broker who arranged your agreement. Reach out to our PCP experts, and we’ll guide you through starting your mis sold car finance refund.