Bought a Car on Finance since 2008? How much could you be owed back?

Were you made aware that YOU were paying for the commissions paid to the Dealership by the Finance Provider?

Check compensation for all your cars
Claim up to £950 per vehicle
Quick and simple process

As we have done for over 130,000 clients so far, let us help you discover if you were mis-sold your PCP or HP finance.

Start Your Claim
CCL Form

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Have you purchased at least one car on finance between 2008 and 2020? *
On Your Side No Upfront Cost
Risk Free Easy Process
Expert Advice Enforce Your Right
Are You Owed £1,000s?

Our Simple 3 Step Process

1.

Enquire

Provide a few key details to start the process – it takes less than 60 seconds.

2.

Discover

Let us find all of your car finance agreements going back to 2007. You don't have to dig out old paperwork.

3.

Claim

Our Trusted Partner firms will represent you through the process ensuring the Banks pay you what you're owed.

Start Your Claim

Save yourself time and hassle - start the process with us today

Why Can I Claim

If you purchased a car from a Dealership, it is likely that they put you in touch with a finance company to provide the actual loan on the vehicle. We assist in checking if you are due compensation if the Dealership did not disclose that they were receiving a commission for arranging your finance agreement with the finance provider.

This is known as a 'Section 140' claim. Both the Dealership and Finance Provider were obligated to be transparent and inform you of the commissions being paid – and if it was actually you who was paying this commission by the way they applied the interest rate.

What Is Mis-sold Car Finance?

A recent Financial Conduct Authority (FCA) investigation discovered widespread evidence of mis-selling on all types of vehicle financing options. It found that over 560,000 consumers were paying more than 50% more on their car finance than they should be.*

Mis-selling was found on all motor vehicle types, including new and used cars, vans, motor cycles and motor homes/caravans, under all vehicle financing options such as personal contract hire (PCP), hire purchase (HP), contract hire or a car loan. The most popular of these has been shown to be PCP agreements which involves lower monthly payments followed by a final lump sum or ‘balloon’ payment. As PCPs are essentially interest-only loans, interest charges can be more expensive than anticipated.

The FCA found a increasing number of cases in which the broker was given discretion to adjust interest rates. Where a higher level of interest was charged to the consumer, a larger commission payment would be made to the Dealership by the finance provider.

As one car dealer openly admits in a recent article, “frankly, we were getting away with murder. We weren’t treating customers fairly and were, in effect, charging them to earn us money.”

The FCA found that some dealerships and finance companies have been overcharging by up to £1,100 a deal**. In some cases, it might have worked out better financially to opt into a hire-purchase package instead.

It was also established that within the motor finance sector, firms have been largely misinforming their customers in communicating commission structures often resulting in customers unknowingly paying more for their vehicle finance. On many occasions the fact that a commission was being paid was not communicated. This was found to be happening at even the largest Dealerships including Audi, BMW, Mercedes and Land Rover (Black Horse) to name a few.

It is a requirement that any commission payment should be made clear to the purchaser as it could have an impact on their decision to proceed or negotiate further.

All of this has meant that customers are now able to bring forward a claim, on various grounds, for financial compensation. The mis-selling of car finance has the potential to become the biggest compensation scandal of the decade as millions of customers come forward to claim what they are owed. Find out what you might be owed, start your free check with us today.

Start Your Claim

Save yourself time and hassle - start the process with us today

Mis-sold Car Finance FAQ's

We assist clients in claiming compensation for the non-disclosure of commissions received by the Dealership from the Finance Provider. Both the Dealership and Finance Provider were obligated to be transparent and inform you of the commissions being paid.

We aim to ensure your case is properly assessed in attempt to maximise your claims potential. Even if you no longer have the vehicle or the original documents, your eligibility can still be reviewed. This is about holding finance providers accountable and helping you recover money that may be rightfully yours.

You might be eligible to claim compensation if any of the following applied to your car finance agreements:

    • You took out car finance before 2021

This includes both Hire Purchase (HP) and Personal Contract Purchase (PCP) agreements arranged through a dealership, broker, or credit intermediary.

    • You weren’t told that a commission was being paid

If the dealer or broker received a commission for arranging your finance and failed to clearly disclose this, it could be considered unfair, especially if it influenced the terms you were offered.

    • You didn’t know the interest rate could be adjusted

Many dealers and brokers had the ability to increase your interest rate in order to earn a higher commission. If this wasn’t explained to you at the time, the agreement may have been mis-sold.

The amount you could receive depends on the specific details of your case.

Many people find they could be owed thousands of pounds.

Once your check is complete, you’ll have a much clearer idea of what your claim could be worth.

If you’ve had more than one car finance agreement since April 2008, these can also be reviewed together – potentially increasing the overall amount you may be entitled to.

We can review all vehicles you have purchased on finance that was active anytime since 2008. While some agreements may not meet the criteria for a claim, this can only be confirmed once the assessment is complete so it’s worth checking to see what you may be entitled to.

Reclaiming mis-sold car finance is simple. Start by providing a few key details to begin the process (it takes less than a minute). From there, car finance agreements are located and reviewed to see if compensation may be due, with clear guidance offered on what to do next. If eligible and agreed, the full claims process is then handled on your behalf, from start to finish.

The time it takes to resolve a claim can vary based on factors such as the lender’s response time, the specifics of the case, the FCA’s ongoing review, and developments in related court proceedings. Although the FCA has paused complaint timeframes until 4 December 2025, it is still possible to submit complaints during this period. Additional updates regarding a potential redress scheme and court decisions are anticipated later in 2025.

You can start the process via our claim form.

If you are successful in claiming, you do not have to give the vehicle back. The only instance where you may not receive the entire compensation you are owed is if you are in arrears with your finance payments. Some of the compensation may be used to bring your account up to date.

This is not a problem as we can locate all of your car finance agreements going back to 2007.

We provide an introduction to help identify whether you may have grounds to pursue a car finance
claim. Our trusted partner operates on a No-Win, No-Fee basis with no admin fees or hidden
charges. Fees are calculated based on the amount of compensation or refund received. The fees
listed below are exclusive of VAT and will be subject to VAT at the prevailing rate.

Band Redress (£) Received % Fee Maximum Fee
A 1-1,499 30% £420
B 1,500-9,999 28% £2,500
C 10,000-24,999 25% £5,000
D 25,000-49,999 20% £7,500
E 50,000 + 15% £10,000

No-Win-No-Fee means you pay nothing unless your claim is successful. A fee between 15 – 30%
applies on successful claims (fee dependant on level of redress secured), and a cancellation fee
may apply outside the 14-day cooling-off period.

Please note, you can use your own representation to proceed with a claim or submit a complaint
directly to the Lender and use the Financial Ombudsman service if you are not happy with the
outcome at no charge.