Car Finance Claims Made Simple
With average compensation estimated at around £700 per agreement, if you took out PCP or HP finance between 2007 and November 2024, you could be owed hundreds or even thousands of pounds in compensation. Check in 60 seconds with our free eligibility checker.
£700
Average per claim*
40%
Had hidden DCAs
95%
Had commissions
Real People. Real Results.
Join hundreds of thousands of people who have already checked their eligibility for car finance compensation.
400,000+
Customers Helped
£8bn+
Total Owed to UK Consumers
100%
No Win, No Fee
60 Sec
Quick Eligibility Check
Success Stories
Our specialist solicitors have already helped hundreds of drivers challenge unfair car finance agreements.
Major UK Motor – Manchester
Following a review of her motor finance agreement, we identified potential undisclosed commission and unfair relationship concerns. Her case has been submitted for assessment in line with current regulatory guidance.
Audi on PCP - Leeds
After reviewing the finance documentation, we found discrepancies between the advertised rate and the applied interest rate. The claim has been prepared and is progressing subject to lender review and FCA timelines.
Hire Purchase Agreement - Birmingham
Our legal partners identified potential undisclosed commission within the finance agreement. The claim is being handled in accordance with the FCA’s current review of motor finance arrangements.
Examples shown are illustrative of the types of cases identified. Compensation is not guaranteed. The FCA has estimated average redress of approximately £700 per successful claim, though outcomes may vary.
How It Works
Simple, transparent, and completely hassle-free. Let us handle everything while you sit back.
We Find Your Agreements
Our system connects with major credit reference agencies and vehicle registration databases, identifying all car finance agreements linked to you, even if you've changed your name or moved.
We Take the Wheel
Once you provide your basic details, our system gets to work. Within seconds we'll pull together your historic car finance agreements, even those dating back before 2007.
The Real Work Begins
Your claim is passed to our partner law firms, who review all your agreements individually. They gather evidence, negotiate directly with lenders and work to maximize your compensation.
Could You Be Owed Money?
You might have a claim if your car finance agreement included any of these issues between April 2007 and November 2024.
Discretionary Commission Arrangements (DCAs)
Dealers could secretly increase your interest rate to earn more commission.
Unfairly High Commission
Where commissions were excessive compared to the loan amount.
Contractually Tied Arrangements
Where dealers claimed to find the best deal but were actually tied to a single lender.
You May Be Eligible If...
PCP or HP Finance
You took out Personal Contract Purchase (PCP) or Hire Purchase (HP) finance between April 2007 and November 2024.
High Interest Rate
Your agreement had an above-average APR. The average is around 4.9%, so anything significantly higher could indicate mis-selling.
Lack of Transparency
You weren't told about commission arrangements, or how they affected your interest rate and monthly payments.
No Affordability Check
The lender didn't properly assess whether you could afford the repayments before approving the finance.
Good to Know
If you took out PCP or HP finance between April 2007 and November 2024, you could be owed compensation. The FCA estimates that 95% of agreements had some form of commission, and 40% had discretionary commission arrangements.