Northridge Finance Claim
Mis-sold Northridge car finance? Check your eligibility in 60 seconds with our Northridge refund checker.
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Why People Are Claiming Against Northridge Car Finance
FCA investigations have uncovered hidden fees, inflated interest rates, and unfair terms in Northridge or NIIB car finance agreements, leading to a rise in NIIB Group complaints. If you were mis-sold, you could be owed a Northridge finance compensation. Check your eligibility today with our quick and secure Northridge finance claim form.
You’ve got the green light!
If you have a Northridge Finance mis-sold car finance, now is the time to act. Hidden fees, inflated interest rates, and undisclosed commissions may have cost you more than you think. Filing your Northridge car finance claim is fast and hassle-free—no confusing paperwork, no legal stress. Just a simple process to help you reclaim the Northridge 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 — meanwhile, you don’t have to lift a finger.
What Happens When I Start a Northridge PCP Claims?
We’ll quickly search for relevant car finance agreements in your name, flagging any that may relate to a Northridge 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
Scheme timeline
Under the FCA Scheme, lenders are expected to start assessing claims from 30 June 2026 for agreements from 1 April 2014 onwards, and from 31 August 2026 for earlier agreements.
4
FCA compensation scheme
The FCA published its compensation scheme for car finance claims on 30 March 2026. The FCA estimates that most consumers will receive around £830 per eligible agreement.
good to know
Please note that you have the right to pursue your motor finance mis-selling claim without using a claims management company. You can complain directly to your lender and, if you are unhappy with the outcome, refer your complaint to the Financial Ombudsman Service.
You may also be able to use the FCA’s industry-wide motor finance redress scheme once it becomes available. However, the scheme is currently subject to legal challenge, which is expected to delay the redress process and the timing of any compensation payments.
Whilst we will always strive to get you the maximum amount of compensation possible, there is no guarantee that we will recover more than you may achieve if you pursued the claim on your own.
The FCA has confirmed an industry-wide motor finance redress scheme for eligible car finance agreements. However, the scheme is currently subject to legal challenge, and the FCA has said this will delay compensation payments.
As a result, the start of the redress process and the timing of any payouts are currently uncertain. We are continuing to monitor FCA updates and will update customers as the position develops.
FCA Motor Finance Redress Scheme - Latest UpdateMis-Sold PCP Car Finance Claims
If you have an Northridge 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 Northridge Finance Claims
If you used finance to buy a car, motorbike or van, between 6 April 2007 and 1 November 2024 you could be eligible. People will be considered for compensation if they weren't told about certain arrangements between lenders and brokers (usually the car dealer), either:
- Their dealer or broker set the interest rate to earn more commission (using a discretionary commission arrangement).
- The commission was high – at least 39% of the total cost of credit and 10% of the loan.
- The dealer or broker was using one lender in most cases, a so-called tied arrangement, except where lenders can evidence that there were visible links with a manufacturer and franchised dealer. For example, where they shared a common or similar name.
On 1 August 2025, the Supreme Court ruled in the cases of Hopcraft, Wrench and Johnson. The Court upheld Johnson's claim, establishing that the agreement between Johnson and his lender was unfair – referring to the size of commission, which exceeded 55% of the total cost for credit, as being a “powerful indicator” of an unfair relationship. This ruling confirmed that commission arrangements can give rise to compensation where the relationship between the lender and customer is found to be unfair.
Following this, the Financial Conduct Authority (FCA) has confirmed that it has identified that many car finance lenders were not complying with either the law or their regulatory obligations, which has resulted in consumers losing out. In light of this, the FCA has published a compensation scheme, which it has estimated lenders' total redress liability up to £10 billion if all eligible consumers take part.
The Financial Conduct Authority (FCA) has set out when Lenders are expected to begin reviewing Claims under the FCA Scheme. Under the current rules, Lenders are expected to start assessing Claims from 30 June 2026 for agreements entered into on or after 1 April 2014, and from 31 August 2026 for earlier agreements. Lenders will generally then have up to three months to review and respond.
The FCA Scheme is currently subject to legal challenge, which is unlikely to be heard before October 2026. However, the FCA has confirmed that it will defend the Scheme and that Lenders should continue preparing unless told otherwise. This is positive, as it means work on the Scheme should continue while the challenge is ongoing.
This means submitting your Claim now remains important. It helps ensure your Claim is logged and ready to be considered as soon as the FCA Scheme, a revised scheme, or any alternative process is confirmed.
The amount of compensation you may be entitled to is dependent on several factors, including the amount of finance your lender provided, the date the finance was taken out, the duration of the agreement, the interest rate you paid and the nature and value of the commission payment your lender made to the car dealership.
The Financial Conduct Authority (FCA) confirmed in its consultation paper, that it would expect that most consumers will receive around £830 per eligible agreement.
Please note: all potential claim values used in our advertising, or on our websites are provided prior to deduction of our partner's Success Fee.
You do not have to use a law firm or claims management company to make your claim.
The Financial Conduct Authority (FCA) has published its rules for a motor finance compensation scheme which is free for consumers to use. If you are potentially eligible and have not already complained, your lender may contact you under the FCA Scheme. The FCA has also said that consumers who complain before the relevant implementation deadline are likely to be compensated sooner.
You are also entitled to choose to be represented. If you instruct our partner, they will submit your Claim, monitor its progress, review any response received and advise you on the next steps available, whether the matter proceeds under the FCA Scheme, a revised scheme, or through another complaint-led process.