4.9 / 5 (500+ Reviews)

Mis-Sold Car Finance

Bought a car on finance before 2021? The FCA estimates that a typical mis-sold motor finance agreement of £10,000 can result in the customer paying around £1,100 more in interest charges. 

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Mis-sold car finance
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Claims Submitted
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Recovered In Compensation
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The Basics Explained...

If you had car finance between 2007 and 2021, you might have been overcharged without knowing. Some lenders allowed brokers and dealerships to secretly increase your interest rate, earning themselves higher commissions at your expense. This means you could be owed compensation.

The average payout ranges from £1,000 to £4,320, with some claims being much higher. We’re here to connect you with expert solicitors who specialise in handling mis-sold car finance claims. With their no win, no fee service, you won’t pay a thing unless your case is successful. Let us help you take the first step toward claiming the compensation you deserve.

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Why choose us?

Proven Success

With years of expertise, we’ve consistently helped clients reclaim the compensation they rightfully deserve. Our results speak for themselves, as we’ve navigated even the most complex cases to deliver fair and just outcomes.

Outstanding Client Satisfaction

We take pride in our exceptional customer service, earning us a 5-star rating on Trustpilot. Our professionalism, attention to detail, and commitment to delivering the best possible experience set us apart from the rest.

No Win, No Fee Assurance

You can pursue your claim with complete confidence, knowing there’s no financial risk involved. You’ll only pay if your claim is successful, giving you peace of mind from start to finish.

Clear and Straightforward Process

We’re dedicated to making the process as simple and stress-free as possible. Our commitment to transparency ensures you’re kept in the loop at every stage. With 24/7 access to your dedicated case manager, you’ll have constant support, updates, and answers to any questions along the way.

Frequently Asked Questions

What is a car finance commission claim?

When you took out PCP or HP car finance, dealerships or brokers may have increased your interest rate without your knowledge to earn extra commission. This arrangement, called a ‘Discretionary Commission Arrangement’ (DCA), resulted in customers paying more than necessary. Although this practice has been banned since 28 January 2021, you may still be eligible to claim compensation if the commission was not disclosed to you.

If you financed a vehicle between 2007 and 2021, you could have been affected by undisclosed commissions. Once your claim is submitted, the car lender will investigate to determine whether your agreement falls into this category.

Claims typically apply to Personal Contract Purchase (PCP) and Hire Purchase (HP) agreements. Unfortunately, leases and rentals are not eligible.

According to the Financial Conduct Authority (FCA), approximately 75% of all car finance agreements between 2007 and 2020 involved a Discretionary Commission Arrangement.

If your car finance started before 28 January 2021, and you’re still making payments, you could still be eligible to claim. However, agreements starting after this date are unlikely to qualify. Don’t worry – we’ll check your eligibility for you.

No problem! We’ll handle the entire process for you. Our team will gather all the necessary details, and in some cases, we may request the relevant documents directly from your car lender. This usually takes around 30 days.

The amount of compensation depends on factors like your loan amount, interest rate, and the duration of your agreement. According to FCA data, a typical finance agreement of £10,000 could lead to an overcharge of £1,100 over four years due to a DCA. Your specific payout could be higher or lower depending on your case.

Currently, the FCA has extended the usual complaint-handling timelines for DCAs in car finance due to ongoing investigations and data collection. Claims may now take longer to resolve, with the FCA’s next steps expected in May 2025. Rest assured, submitting your claim now will place it in the queue for review. This ensures your case is handled fairly and thoroughly as soon as the process resumes.

A no win, no fee agreement means you only pay if your claim succeeds. If your case is unsuccessful, you won’t be charged. This arrangement offers a risk-free way to pursue compensation.

If your claim is successful, a panel solicitor will charge a fee ranging from 15% to 30% (+ VAT) of the compensation recovered. This fee will never exceed 36% (including VAT). If you cancel the agreement after the 14-day cooling-off period, a cancellation fee may apply. Make sure to review your solicitor’s client pack for full details.

Our services operate on a no win, no fee basis. This means you won’t pay a penny unless your claim is successful. If your claim is approved, a success fee of 15% to 30% (+ VAT) of the compensation amount will apply. If you have an outstanding balance with your lender, they may use part or all of the compensation to clear this balance, but the success fee will still be based on the total compensation awarded. A cancellation fee may apply if you cancel outside the 14-day cooling-off period.

Not at all! You can file the complaint yourself for free and escalate it to the Financial Ombudsman Service if needed. However, many people choose to use professional representatives like us for our expertise and to save time and effort. We’ll handle the entire process on your behalf, making it as easy as possible for you.

Yes, if we determine you have a valid claim and you decide to work with one of our recommended third parties, we may receive a referral fee for any successful claim. This fee does not affect the amount of compensation you receive and comes at no extra cost to you. If you’d like more details, feel free to contact us.

Speak to a Claim Expert

Get in touch for personalised guidance and support throughout your claim process. Our experts are here to answer your questions, help you understand your options, and provide the clarity you need to move forward. Contact us now to schedule your consultation and take the first step towards a stress-free resolution.

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Discover why we’re rated 5 stars

John S.
I had no idea I was overpaying on my car finance, but thanks to this company, I’ve now received £3,200 in compensation. The entire process was smooth, and they took care of everything. I can’t thank them enough!
Anonymous
Really happy with the outcome! I got £2,000 back, and they handled everything for me. The only downside was that the process took a little longer than I expected, but it was worth the wait in the end.
Samantha W.
Highly professional and efficient service. They made everything so simple, and I received updates regularly. I’m thrilled with the £2,500 compensation I received! I would definitely recommend them to anyone with car finance.
Mark T.
Great experience overall! The staff were friendly and helpful, and they kept me updated throughout. The claim took a few months, but I was very happy with my compensation. Would definitely recommend!
Emma R.
The team were amazing from start to finish. They explained everything clearly and handled my claim with such professionalism. I didn’t need to chase anything, and I’m delighted with my payout. Excellent service!
Anonymous
Everything was handled professionally, and the team were always available to answer my questions. My only issue was a slight delay in hearing back from the lender, but I still got £1,700 compensation. Good service!
David L.
Outstanding service! I was initially hesitant, but they were so reassuring and knowledgeable. They even sorted out the paperwork I didn’t have. I got £1,800 back in no time at all. Highly recommend!
Rebecca M.
They did a great job with my claim, and I got more compensation than I expected. The only reason I’m giving 4 stars instead of 5 is that I had to chase for an update once, but apart from that, it was brilliant.
Anonymous
This company made the entire process stress-free. I had constant access to my case manager, which made me feel confident in their service. They managed to secure £3,500 in compensation for me. Fantastic experience!
Paul C.
Very straightforward process, and the staff were really friendly and knowledgeable. My case was slightly delayed due to the lender, but the team kept me informed, and I got £2,200. Would definitely use them again!