CHECK YOUR CAR FINANCE CLAIM
Find out in under 60 seconds if you’re owed car finance compensation. Join the 400,000+ customers helped
You could be owed money
You may have been overpaying due to unfair interest rates, that allowed brokers to inflate interest rates for their own gain.
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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. We may receive a fee for introducing you to a third party/panel solicitor, this does not affect any compensation you may receive.
The FCA has extended the deadline for motor finance firms to respond to complaints about discretionary commission arrangements until 4 December 2025. Read FCA updates
Where No Win, No Fee1 is offered - You pay nothing unless your claim is successful. A fee between 18 - 36% fee (30% + VAT) applies on successful claims (fee dependant on level of redress secured), and a cancellation fee may apply outside the cooling-off period.
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.