Mis-Sold Car Finance Claims (PCP & HP)
You could be owed money back if commission influenced your deal.
If you took out PCP or HP car finance between 6 April 2007 and 1 November 2024, commission may have pushed up your interest rate or total cost. Any complaint will depend on your agreement and how it was sold.
A Simple, Guided Process
Reasons you may be owed money back:
Hidden commission
Was commission not clearly disclosed by the dealer, broker, or lender?
Unfair rates
Were you placed on a higher rate than expected, or did the rate change without a clear explanation?
Pressure selling
Were you rushed or pushed to sign before you were ready?
Surprise costs
Were fees unclear, confusing, or not explained upfront?
How It Works
A simple 3-step process
We take care of the complicated parts and guide you through everything clearly.
Share a few details
Tell us about your agreement and we'll help identify and retrieve your past car finance records.
We review your case
Our specialists assess the information to confirm whether there's a basis for a claim. In some cases, we may pass your claim to a trusted third party to process.
Outcome and settlement
We deal with the lender to pursue a settlement, then send you the result to review and approve.
Eligibility
Check whether your agreement may be relevant
Certain motor finance agreements may have involved commission arrangements that affected the interest rate or overall cost. If you entered a PCP or HP agreement between April 2007 and November 2024, you may be able to raise a complaint. Any outcome depends on your agreement and the facts of your case.
Discretionary commission structures
Where commission could vary based on the interest rate offered.
Commission that may be disproportionate
Where commission appears high compared with the value of the loan.
Tied or restricted lender arrangements
Where the dealer may have had limited lender access rather than offering truly independent comparisons.
Good to know
Transparency first
Complaint deadline extended
The FCA has extended the deadline for motor finance firms to respond to complaints about discretionary commission arrangements until 4 December 2025.
Compensation scheme confirmed for 2026
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.
No Win, No Fee — what it means
- Where No Win, No Fee is offered, you pay nothing unless your claim is successful.
- If successful, a fee between 18% and 36% (including VAT) may apply, depending on the level of redress secured.
- A cancellation fee may apply if you cancel after the 14-day cooling-off period.
- We may receive a fee for introducing you to a third-party/panel solicitor — this does not affect the compensation amount awarded, if any.
Your choices
You can pursue a motor finance complaint without using a claims management company:
- Directly with the lender
- Via the Financial Ombudsman Service
- Through any industry-wide redress/compensation scheme that may be introduced
If you use a claims management company, there's no guarantee you will receive more than you could obtain by pursuing the matter yourself.