Bought a Car on Finance since 2007? 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 on average £829 per agreement
Quick and simple process

As we have done for over 150,000 clients so far, let us help you discover if you were mis-sold your PCP or HP finance.

Start Your Claim
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

We will represent you through the process ensuring the Lenders pay you what you're owed.

Start Your Claim

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

Why Can I Claim

When you purchased your vehicle, the dealership may have arranged your finance with a lender. In some cases, the dealership received a commission from the finance provider for introducing the agreement.

Concerns have been raised about whether these commission arrangements were properly disclosed to customers and whether, in some cases, they may have resulted in customers paying more for their finance than they otherwise would have.

If you had a motor finance agreement, you may be eligible to pursue a claim if your agreement was affected by one of these commission arrangements. We can assess your eligibility and help you pursue your claim.

What Is Mis-sold Car Finance?

The Financial Conduct Authority (FCA) has undertaken extensive work into historical motor finance commission arrangements, including Discretionary Commission Arrangements (DCAs), and identified concerns that some customers may have paid more for their finance as a result of the way commissions were structured.

These concerns relate to a range of motor finance agreements used to purchase vehicles, including Personal Contract Purchase (PCP), Hire Purchase (HP) and certain other finance products for cars, vans and motorcycles. PCP agreements have been one of the most commonly used forms of vehicle finance in the UK.

As part of its review, the FCA identified that, under certain historical commission models, some brokers and dealerships had discretion to influence the interest rate offered to customers. In some cases, where a higher interest rate was charged, this resulted in a higher commission payment being made by the finance provider.

The FCA has also raised concerns that some consumers may not have been given sufficient information about commission arrangements and how these could affect the overall cost of their finance agreement. Where commission arrangements were not adequately disclosed, some customers may have been unable to make a fully informed decision before entering into their agreement.

Whether a customer has grounds to pursue a complaint or claim will depend on the individual circumstances of their finance agreement, including the type of commission arrangement involved and the information that was provided at the time the agreement was entered into.

The position regarding historical motor finance commission arrangements continues to evolve following ongoing legal and regulatory developments. If you believe you may have been affected, you can complete our eligibility check and we will assess whether your agreement may be suitable for further investigation.

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 2025

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 2007, 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 2007. 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 and is dependent on several factors, including the complexity of the case, the response times of the parties involved, and any regulatory or legal developments that may affect the claims process.

While there may be uncertainty regarding timescales, customers can still submit their details and begin the claims process at any time 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 operate 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.