Santander Finance Claim
Mis-sold Santander car finance? You could be one of the 14 million drivers owed compensation. Check your eligibility in 60 seconds with our Santander refund checker.
400,000+ Customers helped.
Car finance agreements found in seconds.
100% No Win No Fee1.
Why People Are Claiming Against Santander Car Finance
FCA investigations into hidden fees and inflated interest rates have led to rising Santander car finance complaints. If your Santander car finance agreement was mis-sold, you could be owed a Santander finance refund. Use our secure Santander car finance claim online tool to check your eligibility and reclaim the Santander car finance compensation you deserve.
You’ve got the green light!
If you’ve been mis-sold a Santander car finance agreement, now is the time to act. Claiming your Santander car finance refund is quick and hassle-free—no complicated forms, no legal jargon. Just a simple and secure process to help you reclaim the Santander car finance compensation 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 a Santander PCP Claims?
We’ll quickly search for relevant car finance agreements in your name, flagging any that may relate to a Santander 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 FCA has published its consultation (October 2025) on an industry-wide motor finance compensation scheme, covering April 2007 to November 2024. It proposes average payments around £700 per agreement and an opt-in process for most customers.
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 any public compensation scheme, including any industry wide redress scheme that the FCA will introduce in 2026. 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 has confirmed plans for an industry-wide motor finance compensation scheme expected in 2026.
It will cover car finance agreements taken out between April 2007 and November 2024, with average payouts estimated at around £700 per agreement.
FCA Motor Finance Review - Latest UpdateMis-Sold PCP Car Finance Claims
If you have an Santander 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 Santander Finance Claims
If you believe your Santander Partner Finance agreement was mis-sold, you have three ways to start your claim:
- Submit a complaint directly to Santander Partner Finance. If your claim is rejected or delayed, you can escalate it to the Financial Ombudsman Service (FOS) for a free, independent review.
- Use a claims management company (CMC) like ours. Simply complete our online claims checker to see if you qualify. If eligible, our team will handle the process from start to finish.
- Consult a solicitor for more complex or high-value cases, though legal fees may apply.
Although the FCA has paused complaint responses until after 4th December 2025, you can still submit your claim now to secure your place in the queue.
Most car finance complaints are currently paused due to the Financial Conduct Authority’s (FCA) ongoing investigation. This means the majority of claims will not be reviewed until after 4th December 2025, when new guidance is expected.
If your Santander car finance agreement included hidden commissions, inflated interest rates, or undisclosed fees, you may be eligible for compensation. You can still check your eligibility now and start your Santander refund claim to reserve your place in the queue.
If you had a Santander car finance agreement and were not informed about hidden fees, unfair commissions, or excessive interest rates, you could be eligible for a Santander finance claim. Start your Santander car finance claim online today to see if you qualify.
Yes, Santander has made a motor finance compensation provision of £295 million to cover car finance claims Santander customers are filing due to mis-sold agreements, discretionary commission arrangements (DCAs), and inflated interest rates.