couple talking to a saleswoman in a car dealership

Guide 14 June 2025

headshot of Shannon Smith O'Connell, Operations Director at  Reclaim247
Shannon Smith O'Connell

How Long Does a Mis-Sold Car Finance Claim Typically Take?

If you’re hesitating to start your mis-sold car finance claim, now’s the time to act. With a major Supreme Court ruling expected by July 2025 and the FCA preparing new guidance, early claims may be processed faster or prioritised. This step-by-step guide breaks down the typical claim timeline, key legal updates, and what you can do to speed things up. Whether you go through it alone or use a Claims Management Company, understanding the process could be the key to getting the compensation you deserve.

man with papers and woman looking at a car

News 11 June 2025

headshot of Andrew Franks, expert in automotive and finance, and co-founder of Reclaim247
Andrew Franks

UK Car Finance Scandal: FCA Unveils Framework for Potential Compensation Scheme

The FCA is preparing a potential car finance compensation scheme, offering hope to millions of UK drivers. Learn what this landmark move means for you amidst the ongoing car finance scandal and how the FCA aims to ensure fair redress.

claims management agent explaining claim forms to a man

News 9 June 2025

headshot of Andrew Franks, expert in automotive and finance, and co-founder of Reclaim247
Andrew Franks

FCA Develops Streamlined Compensation Scheme Amid Growing Car Finance Scandal

The FCA is designing a streamlined car finance compensation scheme following allegations of mis-sold loans and secret commissions. With up to £16 billion at stake, millions affected by pre-2021 finance deals may soon be eligible for redress. A Supreme Court ruling expected in July will determine the legal basis for the scheme, potentially making this one of the UK’s largest financial compensation efforts since the PPI scandal.

Hand holding euro cash in car dealership

Guide 7 June 2025

headshot of Shannon Smith O'Connell, Operations Director at  Reclaim247
Shannon Smith O'Connell

Is It Illegal for Dealerships to Earn Commission on Car Finance?

Are you owed money on your car finance deal? This guide explores how discretionary commissions inflated costs, the legality of dealership practices, and how to check if you're eligible for a refund using a car finance commission claim calculator. Stay informed about your rights in the UK car finance scandal.

Hand stamping approved on legal document

Guide 5 June 2025

headshot of Shannon Smith O'Connell, Operations Director at  Reclaim247
Shannon Smith O'Connell

Can I Claim if I Refinanced My PCP Agreement Before It Ended?

Refinancing your PCP agreement doesn’t always mean you lose your right to claim for mis-selling. This guide explains how refinancing impacts claim eligibility, outlines key factors like commission structures and FCA rulings, and shows how to check your potential car finance compensation claim using a trusted PCP claims company. Discover your rights and next steps today.

Complaints binder with documents and magnifier

Guide 3 June 2025

headshot of Shannon Smith O'Connell, Operations Director at  Reclaim247
Shannon Smith O'Connell

What Happens if My Car Finance Company Refuses to Cooperate With the Ombudsman?

If your car finance company refuses to cooperate with the ombudsman, you still have options. This guide explores your rights, FCA car finance complaint steps, real case examples, and how professional help like Reclaim247 can support you in pursuing mis-sold car finance claims. Don’t let lender silence stop your fight for fair treatment.

Confident female standing with folder in front of a silver vehicle

Guide 31 May 2025

headshot of Chris Roy, Product and Marketing Director of Reclaim247
Chris Roy

Car Finance Mis-Selling: Your 2025 Guide to Compensation and Claims

If you took out a car finance agreement in the UK, you may have been mis-sold without knowing it. With legal and regulatory action ramping up this summer, now is the best time to check your agreement and start your claim. You could be owed hundreds, or even thousands, in overpaid interest and hidden fees.

finger pressing red delete keyboard button

News 29 May 2025

headshot of Andrew Franks, expert in automotive and finance, and co-founder of Reclaim247
Andrew Franks

Data Deletion Threatens £1bn in Car Finance Compensation for UK Borrowers

A major car finance scandal is unfolding as up to £1 billion in car loan compensation is at risk due to deleted data. Legal experts warn that UK borrowers affected by unlawful car finance commission practices may be denied redress. As the FCA investigates and the Supreme Court prepares to rule, the future of car finance compensation remains uncertain.

Advisor discussing documents with client on PCP Mis-Selling

Guide 26 May 2025

headshot of Chris Roy, Product and Marketing Director of Reclaim247
Chris Roy

PCP Mis-Selling Explained: How to Claim What You’re Owed

Mis-sold PCP car finance has left thousands of UK drivers out of pocket. This in-depth guide explains what PCP mis-selling is, how to check your eligibility, and what to expect when making a PCP claim. Discover your rights, avoid hidden costs, and take action today to reclaim the compensation you may be owed.

Red-lit car speedometer showing reached the Mileage Caps limit

Guide 24 May 2025

headshot of Shannon Smith O'Connell, Operations Director at  Reclaim247
Shannon Smith O'Connell

Hidden PCP Costs: How Mileage Caps Contribute to Mis-Selling

PCP car finance often includes hidden mileage caps that result in costly penalties—especially when they're poorly explained or misrepresented. This article explores how mileage limits contribute to mis-sold PCP finance, signs to watch for, and the steps you can take to claim mis-sold car finance compensation. Understand your rights, protect your finances, and avoid unfair deals with this in-depth guide.

Reclaim247.co.uk is a trading style of Claimsline Group Ltd, registered in England and Wales, Company registration number 09071409. Registered Office: C/O Burton Varley Ltd, Suite 3, 2nd Floor, Didsbury House, 748 - 754 Wilmslow Road, Manchester, United Kingdom, M20 2DW. VAT registration number 199616255. Registered with the Information Commissioner's Office; registration number ZA059156. You can find our terms of use, privacy policy and our cookie policy here. Claimsline Group Ltd is a claims management company. Any solicitor we recommend you to is an independent professional from whom you will receive impartial and confidential advice. You are free to choose another solicitor. Claimsline Group Ltd is authorised and regulated by the Financial Conduct Authority in respect of regulated claims management activities FRN Number is 831196.

1Where No Win, No Fee is offered - You pay nothing unless your claim is successful. A fee between 18 - 36% applies on successful claims (fee dependant on level of redress secured), and a cancellation fee may apply outside the 14 day cooling-off period.

2£5,492.10 is the figure disclosed to Bott & Co Solicitors by Black Horse. £4,478.46 is the figure disclosed to Bott & Co Solicitors by Motonovo. £2,449.65 is the figure disclosed to Bott & Co Solicitors by Close Brothers. £4,298 is the figure disclosed to Bott & Co Solicitors by Santander.

***All figures disclosed on the results page of our form are based on Bott&co's average compensation payout being over £1,600.

4Free Online Checker refers only to the live soft-credit check completed online to identify your car finance agreements.