Can’t Find Your Car Finance Agreement How to Trace It in 2026

Guide 16 September 2026

headshot of Shannon Smith O'Connell, Operations Director at  Reclaim247Shannon Smith O'Connell

I Can’t Find My Car Finance Documents. Does That Stop Me From Claiming?

Lost your old PCP or HP agreement? Missing paperwork does not necessarily stop you from investigating a car finance claim. Learn how to find old car finance agreements, how a car finance refund check may help trace historic finance, and what the FCA scheme’s legal challenges and delays mean in September 2026.

Car Finance Claim if the Dealership Closed or Changed Ownership

Guide 15 September 2026

headshot of Shannon Smith O'Connell, Operations Director at  Reclaim247Shannon Smith O'Connell

Can I Make a Claim if the Dealership Closed Down or Changed Ownership?

A closed, sold or rebranded dealership does not automatically stop a car finance claim. This updated guide explains who to contact, how historic agreements and broker records may still be traced, what a car finance refund check can help with, and how the FCA legal challenges and partial suspension affect car finance and PCP claims in 2026.

FirstRand Puts MotoNovo Up for Sale After 548m Finance Hit

News 14 September 2026

headshot of Andrew Franks, expert in automotive and finance, and co-founder of Reclaim247Andrew Franks

FirstRand Puts Aldermore and MotoNovo Up for Sale After £548m Motor Finance Hit

FirstRand has formally put its UK business, including Aldermore Bank and MotoNovo Finance, up for sale after taking a £547.8 million pre-tax hit linked to motor finance redress. We look at why the group is leaving Britain and what the sale could mean for MotoNovo Finance claims.

Volkswagen Finance Claims 2026 VW Legal Challenge Update

Guide 11 September 2026

headshot of Shannon Smith O'Connell, Operations Director at  Reclaim247Shannon Smith O'Connell

Volkswagen Finance Claims 2026: What VW's FCA Scheme Challenge Means for Customers

Volkswagen Financial Services is one of the four parties challenging elements of the FCA motor finance redress scheme. This updated guide explains what the legal proceedings mean for Volkswagen finance claims, why parts of the scheme are suspended, what happens to existing complaints and how customers can check historic VW finance while the Upper Tribunal case continues.

Black Horse Ruling Questions Time Limits for Car Finance Claims

News 10 September 2026

headshot of Andrew Franks, expert in automotive and finance, and co-founder of Reclaim247Andrew Franks

Black Horse Court Ruling Raises Questions Over Time Limits for Car Finance Claims

A County Court ruling involving a 2005 Black Horse finance agreement has raised new questions about time limits for historic car finance claims. The judge found that the Limitation Act does not prescribe a statutory limitation period for certain unfair relationship claims, although the non-binding decision is expected to be appealed.

Toyota Finance Claims 2026 PCP FCA Redress Update

Guide 9 September 2026

headshot of Shannon Smith O'Connell, Operations Director at  Reclaim247Shannon Smith O'Connell

Toyota Finance Claims 2026: Could More Than One Agreement Be Relevant?

Financed more than one Toyota over the years? Each agreement may have a different outcome under the FCA motor finance redress scheme. This updated guide explains Toyota finance claims, PCP and commission arrangements, the partial scheme suspension, upcoming Upper Tribunal hearings and why expected payouts have shifted into 2027.

Blue Motor Finance Customers Face Compensation Shortfall

News 8 September 2026

headshot of Andrew Franks, expert in automotive and finance, and co-founder of Reclaim247Andrew Franks

Blue Motor Finance Customers Unlikely to Receive Full Car Finance Compensation

Blue Motor Finance customers who qualify for compensation may not receive everything they are owed after the lender entered administration. We explain why the historic liabilities did not transfer to Hodge, what happens to existing claims and why FSCS protection does not apply.

Car Finance Claims Deadline Less Than One Year to Act

News 7 September 2026

headshot of Andrew Franks, expert in automotive and finance, and co-founder of Reclaim247Andrew Franks

Less Than One Year Until Key Car Finance Claims Deadline

Motorists who believe they may have an eligible historic car finance agreement now have less than one year until an important FCA deadline. Consumers who are not contacted by their lender have until 31 August 2027 to complain and ask for their agreement to be considered under the Motor Finance Compensation Scheme.

Lenders Challenge FCA Car Finance Compensation Scheme

News 4 September 2026

headshot of Andrew Franks, expert in automotive and finance, and co-founder of Reclaim247Andrew Franks

Lenders Challenge FCA Over £9.1bn Car Finance Compensation Scheme

Mercedes-Benz Financial Services, Volkswagen Financial Services and CA Auto Finance have set out further objections to the FCA's Motor Finance Compensation Scheme. The three lenders are challenging aspects of the regulator's legal interpretation and redress methodology, while the FCA says it will robustly defend the scheme as the fairest and most efficient route to consumer compensation.

Consumer Voice Challenges FCA Car Finance Compensation Scheme

News 3 September 2026

headshot of Andrew Franks, expert in automotive and finance, and co-founder of Reclaim247Andrew Franks

Consumer Voice Challenges FCA Over Car Finance Compensation Scheme

Consumer Voice has raised fresh objections to the FCA's Motor Finance Compensation Scheme, including concerns over compensation calculations and questions about Treasury involvement during its development. The FCA rejects the claims and says it designed the scheme independently to deliver fair compensation to affected motorists.

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3 The FCA currently estimates that most individuals could receive an average of £829 in compensation per agreement. We find an average of 2 car finance agreements per client, giving a potential total claim value of £1,658.