Clydesdale Finance Claim
Mis-sold Clydesdale car finance? You could be one of the 14 million drivers owed compensation. Check your eligibility in 60 seconds with our Clydesdale refund checker.
| Car finance agreements found in seconds |
| 400,000+ Customers Helped |
| 100% No Win, No Fee1. |
Why People Are Claiming Against Clydesdale Finance
Hidden commissions and unfair charges in Clydesdale Bank car finance agreements have led to FCA scrutiny and rising complaints. If your Clydesdale car finance deal was mis-sold, you could be owed compensation. Check your eligibility now and start reclaiming the Clydesdale Bank PCP compensation you deserve.
You’ve got the green light!
If you were affected by a mis-sold Clydesdale Bank car finance agreement, now is the time to take action. Hidden fees, unfair charges, and undisclosed commissions may have led you to overpay without realising it. Filing your Clydesdale car finance claim is quick and hassle-free—no confusing paperwork, no legal headaches. Just a simple process to help you recover the Clydesdale car finance refund you deserve and put 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 no-win, no-fee basis, meanwhile, you don’t have to lift a finger.
What Happens When I Start a Clydesdale PCP Claims?
We’ll quickly search for relevant car finance agreements in your name, flagging any that may relate to a Clydesdale Finance. If potentially eligible agreements are found and you choose to proceed, here’s the updated process timeline:
Letter to lender
Our partner, solicitors, will contact your lender by letter to make a claim on your behalf.
Reply expected
The lender should reply or at least acknowledge your complaint.
Delayed reply possible
Delayed reply possible
The FCA has paused firms from issuing final responses until 4 December 2025.
FCA consultation
The regulator will launch a formal consultation on an industry-wide redress scheme, exploring how compensation will be structured, including whether it should be opt-in or opt-out.
Important: Timeframes shown are indicative and may vary. Eligibility and potential refunds depend on factors like interest rates, commission structure, and loan terms. Reclaim247 is a claims management company and works with regulated solicitors who handle claims on a no-win, no-fee basis.
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 due for free. 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 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 Clydesdale 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 Clydesdale Finance Claims
The PCP car finance scandal centres around lenders and dealers inflating interest rates without telling customers. Many Clydesdale car finance PCP agreements included hidden commissions, where dealers increased interest rates to boost their own earnings—without informing borrowers. The Financial Conduct Authority (FCA) is investigating these practices, and if you were affected, you could be owed compensation.
Yes. If your Clydesdale Bank car finance PCP agreement included hidden commissions, inflated interest rates, or unfair charges, you could be entitled to a refund. Many customers were unaware they were paying more than necessary and are now reclaiming their overpaid interest and fees.
Borrowers are filing claims because many lenders and dealers did not fully disclose how their interest rates were set. In Clydesdale Bank PCP agreements, discretionary commission arrangements (DCAs) meant that brokers and dealers had the power to increase interest rates to earn more commission—without telling the customer.
The refund amount varies, but many Clydesdale car finance PCP customers have received thousands of pounds in compensation. The total payout depends on:
- The size of your loan
- The interest rate you were charged
- Whether your lender or dealer received a discretionary commission