lawyer entering a car

Guide 14 July 2025

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

Will I need to go to court to recover compensation for mis-sold finance?

Concerned that claiming for mis-sold car finance UK means going to court? It’s highly unlikely. Discover how a finance claims expert like Reclaim247 can help you check your car finance claim, resolve it smoothly, and avoid legal stress.

woman talking to a car saleman in a dealership

11 July 2025

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

Can I Claim PCP Compensation If I Bought My Car Through a Broker, Not a Dealership?

Bought your car through a broker, not a dealership? You can still make a PCP mis-selling claim. What matters is how the finance was arranged, not where. If a broker earned commission without telling you, or failed to explain the full cost of the deal, you may be able to claim back PCP charges. This article explains what to look for and how to check your car finance claim.

man buying a car from a dealership

Guide 10 July 2025

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

Car Finance Scandal Explained: Who’s Eligible, How to Claim Refunds, and What the Supreme Court Ruling Could Mean

This in-depth feature explains the UK car finance scandal, who qualifies for compensation, how to check if you were mis-sold, and the latest updates on claims and settlements ahead of the Supreme Court ruling.

person buying a car from a dealership

News 8 July 2025

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

Over 23 Million UK Drivers Expect Car Loan Compensation Amid Mounting Mis-Selling Scandal

More than 23 million UK motorists believe they’re owed car finance compensation due to mis-sold loans and undisclosed commissions. With trust in lenders crumbling and the FCA investigating historic practices, this deep dive explains what’s happening, who’s affected, and how to claim mis-sold car finance.

salesperson shaking hands with a client

Guide 5 July 2025

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

What’s the Difference Between Undisclosed Commission and Unfair Interest Rates?

Undisclosed commissions and unfair interest rates are two common forms of car finance mis-selling. While they often appear together, they affect your agreement in different ways. This article explains how each works, why they matter, and how to check if your finance deal was impacted. If you were overcharged or kept in the dark, you may be owed compensation.

couple in a showroom looking to make a vehicle purchase

News 2 July 2025

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

Government Eyes Limits on Financial Ombudsman’s Powers Amid Car Finance Scandal Fallout

As the UK car finance scandal unfolds, the government is considering limiting the Financial Ombudsman’s powers. With billions in potential car loan compensation at stake, the FCA is exploring a formal redress scheme to address car finance commission complaints. This article examines the policy debate, regulatory response, and what it means for consumers.

man holding coffee and paper standing in front of a parked car

Guide 30 June 2025

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

Latest Updates on Car Finance Claim Settlements in the UK

Stay informed on the 2025 UK car finance scandal. This update covers the FCA pause, Supreme Court ruling timeline, car finance refund status, deadlines, and how Reclaim247 can help you prepare a strong claim before settlements begin. Don’t miss your chance to act early.

man checking his credit score on a computer

Guide 28 June 2025

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

Will making a PCP claim affect my credit score or ability to get finance again?

Many people worry that raising a financial complaint might impact their credit score or borrowing power. The truth? It doesn’t. Complaints aren’t credit activity, so they don’t show on your credit report and don’t influence lenders’ decisions. Making a complaint is simply about asserting your consumer rights, not a sign of financial trouble. This guide breaks down why you can file a complaint with confidence and how doing so might even improve your financial position.

client handing money to a car salesperson in exchange for vehicle keys

Guide 25 June 2025

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

Can I make a car finance claim if I’ve already settled the agreement early?

Think your rights end after settling your car finance early? Many UK consumers remain eligible for a car finance refund even years after closing their agreement. Whether through hidden commission, unfair terms, or lack of affordability checks, mis-sold car finance is more common than you think. This guide explains how early settlement works, outlines your rights under FCA regulations, and helps you take action with a mis-sold car finance check, even if your loan ended years ago.

car keys being handed down from a sales person to a customer

Guide 23 June 2025

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

Does mis-selling apply to lease purchase or hire purchase, or just PCP?

While PCP mis-selling dominates headlines, it’s not the only risky finance type. Hire Purchase and Lease Purchase agreements can also involve hidden commissions, poor affordability checks, and misleading terms. In this quick guide, we explore how mis-selling happens across all agreement types.

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.