Alphera Finance Claim
Mis-sold Alphera car finance? You could be one of the 14 million drivers owed compensation. Check your eligibility in 60 seconds with our Alphera refund checker.
400,000+ Customers helped.
Car finance agreements found in seconds.
100% No Win No Fee1.
Why People Are Filing Alphera Car Finance Claim
Concerns over mis-sold car finance agreements have led to FCA investigations into hidden fees, inflated interest rates, and undisclosed commissions. As a result, more customers are filing Alphera car finance complaints to challenge these unfair practices. If your Alphera finance agreement was affected, you could be eligible for an Alphera finance refund. Use our secure claims checker today to see if you qualify and reclaim the Alphera finance compensation you deserve.
You’ve got the green light!
If you’ve been mis-sold Alphera car finance, don’t miss your chance to claim. Starting your Alphera finance claim is fast and hassle-free—no complex paperwork, no legal jargon. Just a straightforward process to help you recover the Alphera finance refund you deserve and get your money back where it belongs.
We find your agreements
Our system connects with major credit reference agencies and vehicle registration databases, allowing us to identify all car finance agreements linked to you, even if you have changed your name or moved to a different address.
We take the wheel
Once you provide your basic details, our system get’s to work. Within seconds we’ll pull together your historic car finance agreements, even those dating back before 2007, which are often difficult for individuals to locate.
The real work begins
Your claim is passed to our partner law firms, who review all your agreements individually. They gather evidence. Negotiate directly with lenders and work to maximise your compensation all on a , meanwhile, you don’t have to lift a finger.
What Happens When I Start an Alphera PCP Claims?
We’ll quickly search for relevant car finance agreements in your name, flagging any that may relate to an Alphera Finance. If potentially eligible agreements are found and you choose to proceed, here’s the updated process timeline:
1
Letter to lender
Our partner, solicitors, will contact your lender by letter to make a claim on your behalf.
2
Reply expected
The lender should reply or at least acknowledge your complaint.
3
Delayed reply possible
Delayed reply possible
The FCA has paused firms from issuing final responses until 4 December 2025.
4
FCA consultation
The regulator will launch a formal consultation in October 2025,, in what could be an industry-wide redress scheme, exploring how compensation will be structured, including whether it should be opt-in or opt-out.
good to know
No Win No Fee Promise
1Where 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. We may receive a fee for introducing you to a third party/panel solicitor, this does not affect any compensation you may receive.
About Your Choices
Please note that you have the right to pursue your motor finance mis selling claim with the lender directly, through the Financial Ombudsman Service, or via the FCA redress scheme for free. You do not need to use a claims management company. Whilst we will always strive to get you the maximum amount of compensation possible, there is no guarantee that we will recover any more than you may achieve if you pursued the claim on your own.
FCA Updates
The FCA has extended the deadline for motor finance firms to respond to complaints about discretionary commission arrangements until 4 December 2025.
The FCA is likely to introduce a redress scheme in 2026 starting consultation in October 2025 to deal with complaints around hidden commissions in car finance agreements. You can find more information and official updates from the FCA at the following link:
FCA Motor Finance Review - Latest UpdateMis-Sold PCP Car Finance Claims
If you have an Alphera Finance agreement potentially mis-sold or by another finance provider, our PCP experts are here to help you reclaim what’s rightfully yours. Start your claim today with Reclaim247.
Finance sold by
Black Horse
If you’ve had car finance with Black Horse you could have a claim worth:
Finance sold by
Close Brothers
If you’ve had car finance with Close Brothers you could have a claim worth:
Finance sold by
Motonovo
If you’ve had car finance with Motonovo you could have a claim worth:
FAQs about Alphera Finance Claims
If you need to settle your Alphera car finance agreement, you can request a settlement figure directly from Alphera Financial Services. If your loan included hidden commissions or unfair charges, you could also be eligible for an Alphera finance claim to recover any overpaid interest.
You can reach Alphera Financial Services through their official website at alphera.co.uk or by contacting their customer service team. If you're looking to file an Alphera finance claim, our team can guide you through the process.
Yes, Alphera Financial Services is a subsidiary of the BMW Group, providing car finance solutions under the Alphera Finance brand. Many customers have raised concerns about Alphera finance mis-sold car finance cases due to unfair lending practices.
You have three main routes:
- DIY – File a complaint directly with Alphera and then to the FOS if needed.
- Through a CMC – A regulated company can handle the process on your behalf, often on a no win, no fee basis.
- Via a solicitor – Some legal firms offer car finance claims, though this may involve higher fees.