Quick Answer

No, you don’t need a solicitor to make a car finance mis-selling complaint. Most people start by raising the issue with their lender or taking it to the Financial Ombudsman Service (FOS). You don’t need legal training, and you certainly don’t need to pay for a solicitor.

Many people prefer to work with claims management companies like Reclaim247. Our team handles PCP claim services every day, so we know how to keep the process smooth and stress-free. We gather the details, sort the paperwork, and follow up so you don’t have to.

If your finance agreement included undisclosed commission, an interest rate that seemed higher than it should have been, or add-ons you didn’t agree to, there’s a strong chance you’ve got a valid claim. And with the right support, you won’t have to figure it all out by yourself.

Why You Don’t Need a Solicitor

Car finance complaints are regulated by the Financial Conduct Authority (FCA). These aren’t legal disputes that need to go through the courts. The process is designed for everyday people, not legal experts, which means it’s more straightforward than you might think.

Your first step is usually to contact the lender and explain your concerns. They then have up to eight weeks to respond. If they don’t get back to you, or their response doesn’t sort things out, you can raise the issue with the Financial Ombudsman Service. It’s free, independent, and there to help you find a fair outcome.

Most claims are sorted without anyone needing to go near a courtroom. In fact, around 99% of mis-selling complaints are resolved this way. If you’re wondering what happens if it does go further, we’ve covered it in our post: Will I need to go to court to recover compensation for mis-sold finance?

What We Can Do Instead

Even though a solicitor isn’t required, that doesn’t mean you have to handle everything on your own. That’s exactly what we’re here for.

At Reclaim247, we’ve helped thousands of people make successful filing of PCP claims. We understand the process inside and out, and we’ll support you at every step.

Here’s what we can do:

• Find your finance agreement, even if you’ve lost the paperwork
• Prepare your complaint clearly and correctly, using the FCA’s guidelines
• Contact your lender and take care of any follow-ups
• If needed, we’ll escalate your case to the Ombudsman so you don’t have to

We also know what you should look for in a mis-sold agreement. We uncover the things a lot of people would never notice to look for - a concealed commission or maybe an exaggerated interest rate. Working with one of the best PCP claims companies can make a significant difference.

When a Solicitor Might Be Helpful

There are a few uncommon situations where you might need to consider legal help. These include:

• If your complaint has already been through both the lender and the Ombudsman, and you’ve been told no
• If the claim is very complex or involves a high-value vehicle
• If you’re thinking about going to court as a last resort

Even then, it’s worth speaking to us first. Most of the time, people find they don’t actually need a solicitor after all. We can take a look at your situation and give you honest advice about whether legal support is genuinely needed.

Final Thoughts

If you’ve been affected by the car finance scandal—whether you were charged more than expected, weren’t told about commission, or were sold extras you didn’t ask for—then it’s worth checking if you can make a claim.

You don’t need legal knowledge. You don’t need to hire a solicitor. And even if you traded in your car years ago, you might still be eligible to claim compensation.

At Reclaim247, we’re here to help you every step of the way. We take the stress off your shoulders and keep the process simple, clear, and easy to follow. As one of the best car finance claim companies in the UK, we’re proud to help people like you get the outcome you deserve.

Start your claim with Reclaim247 today. No legal fees. No jargon. Just straightforward support to help you get back what you’re owed.