Did you have car finance between 2007 and 2021?

Many agreements included hidden commissions - check if you've overpaid. Claim in just 60 seconds

Mis-sold Interest Rates

The dealer set or adjusted your interest rate without properly explaining it in your car finance agreement.

Hidden Fees

You may be overpaying due to unfair interest rates. We'll help you claim it back.

Claim up to

This amount of compensation has been achieved by our working partners.

No Win, No Fee Guarantee1

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.

About Your choices

You do not need to use a claims management company to make a claim; you can do this yourself for free by contacting the car dealership or finance provider and if that is not successful you can complain to the Financial Ombudsman Service.

Claiming Fees

Successful claims made through any of our panel(s) are subject to a Success Fee, charges as per your terms of business (Fee’s may range from 18% to 36% (Inclusive of VAT), depending on level of redress you have received). We receive a fee after a successful payout or a referral fee from your solicitor and this does not affect the compensation you receive.

Important Regulatory Information

The Financial Conduct Authority has extended the pause to the deadline for motor finance firms to provide a final response to customer complaints regarding discretionary commission arrangements until 4 December 2025. Click below for more information. View updates here

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Frequently asked 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.

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 217654795. 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.

2 Where 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.

3 All figures disclosed on the results page of our form are based on Bott&co's average compensation payout being over £700.

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

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