BMW Finance Claim
Mis-sold BMW car finance? You could be one of the 14 million drivers owed compensation. Check your eligibility in 60 seconds with our BMW refund checker.
400,000+ Customers helped.
Car finance agreements found in seconds.
100% No Win No Fee1.
Why Drivers Are Claiming Against BMW Car Finance
FCA investigations have uncovered hidden fees, inflated interest rates, and unfair terms in BMW car finance agreements, leading to a rise in BMW Finance complaints. If you were mis-sold, you could be owed a BMW finance refund. Check your eligibility today with our quick and secure BMW finance claim form.
You’ve got the green light!
If you’ve been affected by BMW mis sold finance, now is the time to take action. Claiming your BMW finance refund has never been easier. No confusing terms or lengthy paperwork—just a simple and efficient process designed to help you reclaim the BMW car finance compensation you deserve and get your money back where it belongs. Use our secure BMW finance claim form today to start your BMW claim.
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 a BMW PCP Claims?
We’ll quickly search for relevant car finance agreements in your name, flagging any that may relate to a BMW 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 BMW 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 BMW Finance Claims
Yes, BMW car finance practices have been investigated due to concerns about discretionary commission arrangements (DCA), inflated interest rates, and hidden fees. These issues have led to numerous BMW finance claims and calls for greater transparency and fairness for customers.
If you believe your BMW finance agreement was mis-sold, you have several options for making a claim:
- Contact BMW Financial Services directly and submit a complaint. If they do not respond or reject your claim unfairly, you can escalate it to the Financial Ombudsman Service (FOS) at no cost.
- Use a claims management company (CMC) to handle the process on your behalf. A regulated CMC can assess your case, gather supporting documents, and prepare your claim for review once the current FCA pause ends.
- Seek legal advice from a solicitor, particularly if your case involves significant financial loss or complex mis-selling, such as bundled products or discretionary commission arrangements.
Although complaint handling is paused until at least 4th December 2025, you can start your BMW car finance claim now to secure your place in the review queue.
The amount you could receive from a BMW finance claim depends on your loan amount, interest rate, and whether hidden fees or commissions were involved.
While some claims may lead to substantial refunds, compensation decisions are currently paused until at least 4th December 2025 due to the FCA investigation.
You can still check your eligibility now using our BMW finance claim form to estimate what you might be owed.
If your BMW finance agreement was mis-sold, you may be entitled to a BMW finance refund. Common reasons include inflated interest rates, hidden fees, or undisclosed commissions. Check your eligibility today and start your claim easily.
Yes, BMW car finance practices have been investigated due to concerns about discretionary commission arrangements (DCA), inflated interest rates, and hidden fees. These issues have led to numerous BMW finance claims and calls for greater transparency and fairness for customers.
If you believe your BMW finance agreement was mis-sold, you have several options for making a claim:
- Contact BMW Financial Services directly and submit a complaint. If they do not respond or reject your claim unfairly, you can escalate it to the Financial Ombudsman Service (FOS) at no cost.
- Use a claims management company (CMC) to handle the process on your behalf. A regulated CMC can assess your case, gather supporting documents, and prepare your claim for review once the current FCA pause ends.
- Seek legal advice from a solicitor, particularly if your case involves significant financial loss or complex mis-selling, such as bundled products or discretionary commission arrangements.
Although complaint handling is paused until at least 4th December 2025, you can start your BMW car finance claim now to secure your place in the review queue.
The amount you could receive from a BMW finance claim depends on your loan amount, interest rate, and whether hidden fees or commissions were involved.
While some claims may lead to substantial refunds, compensation decisions are currently paused until at least 4th December 2025 due to the FCA investigation.
You can still check your eligibility now using our BMW finance claim form to estimate what you might be owed.
If your BMW finance agreement was mis-sold, you may be entitled to a BMW finance refund. Common reasons include inflated interest rates, hidden fees, or undisclosed commissions. Check your eligibility today and start your claim easily.