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Mis-sold car finance claims

Have you been mis- sold?

If you purchased a motor vehicle on finance between 2007 and 2021, you could be among the thousands in the UK eligible for compensation due to mis-sold finance agreements.

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Free claim check: we’ll find all your agreements dating back to 2007.

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No Win, No Fee*: You only pay if your claim is successful.

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Expert Guidance: We navigate the complexities of the claims process on your behalf.

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Average compensation £1,600 – with some expected to go much further

Have you been mis-sold?

Find out if you have been mis-sold your car finance deal now & if you are eligible to claim!

Where a "No Win, No Fee" service is offered, customers typically pay 30% + VAT (36% including VAT). No Win, No Fee removes the financial risk of making a claim—you pay nothing if your case is unsuccessful. You’ll never pay upfront or encounter hidden charges, ensuring you are never out of pocket. A cancellation fee may apply if you cancel outside the cooling-off period.


Interest rate

Brokers/Dealerships had discretion to set the interest rate. The Higher the interest the higher the commission they received

Undisiclosed commissions

Brokers/Dealerships we're legally obliged to disclose the commission they earnt from the sale of finance in a clear and conscise manner

Limited options

Brokers/Dealerships often co-erced clients into signing into agreements that were most financially attractive to them as opposed to providing clients with clear options

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Clients weren’t advised of the options available to them and we're often swayed to the product most financially beneficial to the dealer/broker

Where a "No Win, No Fee" service is offered, customers typically pay 30% + VAT (36% including VAT). No Win, No Fee removes the financial risk of making a claim—you pay nothing if your case is unsuccessful. You’ll never pay upfront or encounter hidden charges, ensuring you are never out of pocket. A cancellation fee may apply if you cancel outside the cooling-off period.

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Agreements we can help with:

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Mis-sold PCP car finance agreements

Find out more about mis-sold PCP and if you
have been a victim Find out more

Find out more
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Mis-sold HP car finance agreements

Find out more about mis-sold HP agreements and if you have been a victim Find out more

Find out more

What happens after I submit my claim?

The FCA are now investigating all mis-sold car finance claims, Clients can expect updates on their PCP claims after the FCA concludes its investigation, currently scheduled for December 2025. submitting your claim as soon as possible is advisable. Acting now reduces the risk of missing out due to any future deadlines imposed following the FCA's final report.

We’re missing the following under “free claim check”… You do not need to use a claims management company to make a claim; you can do this yourself for free by contacting the car dealership or finance provider and if that is not successful you can complain to the Financial Ombudsman Service. We may receive a fee for introducing you to a third party/panel solicitor, this does not affect any compensation you may receive.

FCAs findings on mis-sold car finance in March 2019

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Customers are paying significantly more for their motor finance because of the way lenders choose to remunerate their brokers/Dealers

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We found that these incentives have significant effects on the cost of motor finance for consumers

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We have particular concerns in relation to disclosure of commission

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Out of 90% of the retailers mystery shopped by the FCA, only 11 told their customers that the dealership might receive commission for arranging the deal

Source: www.fca.org.uk/publication/multi-firm-reviews/our-work-on-motor-finance-final-findings.pdf

Frequently asked questions

To make a PCP (Personal Contract Purchase) claim, you must show that the agreement was mis-sold or breached regulations. Key criteria include:

  • Misrepresentation of Terms: The dealer misled you about costs, interest rates, or failed to explain the agreement clearly.
  • Undisclosed Commission: A commission was received by the dealer without your knowledge, affecting the deal offered.
  • Lack of Affordability Checks: The finance provider didn't properly assess whether you could afford the repayments.
Interest rates we're at the discretion of the dealer/broker, meaning the higher the interest rate charged the higher the commission the dealer/broker received, clients were also not made aware of the commission incentive that they we're receiving for this
Compensation depends on factors like the interest rate, loan amount, and how long you've been repaying the loan. We've seen some claims worth up to £5,492.10 with Black Horse, £4,478.46 with MotoNovo, and £2,449.65 with Close Brothers. The average claim value is expected to be around £1,600.
In 2019 the FCA were concerned that about the way commission arrangements were operating in motor finance and that is has lead to harm on a significant scale
This is dependant on the lender, some of our claims can settle in as little as a couple of month some can take over a year, it is best to get your claim submitted sooner rather than later.
Where the service is offered at No win no Fee this means that a customer will typically pay 30% + VAT 36% including VAT of any amount recovered by a panel solicitor although this will be subject to your individual circumstances and the actual fee may be less than this, but it will never be more. A cancellation fee may be charged by a third party/panel solicitor if you cancel outside the cooling off period.