Check Your Eligibility
How It Works

Destination? Compensation

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.

How It Works

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.

Start Your Free Eligibility Checker

When will I get my money?

Once you submit the claim form, here’s what happens next:

Letter to lender

Our partner, solicitors, will contact your lender by letter to make a claim on your behalf.

Reply expected

The lender should reply or at least acknowledge your complaint.

Delayed reply possible

Delayed reply possible The FCA has paused firms from issuing final responses until 4 December 2025.

FCA consultation

The FCA has published its consultation (October 2025) on an industry-wide motor finance compensation scheme, covering April 2007 to November 2024. It proposes average payments around £700 per agreement and an opt-in process for most customers.

Frequently Asked Questions

Everything you need to know about car finance claims

What is car finance mis-selling?

Car finance mis-selling occurs when a PCP or HP agreement was sold unfairly. This could include hidden discretionary commission arrangements (DCAs) where dealers could increase your interest rate to earn more commission, lack of transparency about commissions, unfairly high commission charges, or failure to properly assess affordability.

The Financial Conduct Authority (FCA) has estimated that average redress may be approximately £700 per successful claim. The exact amount will depend on your individual finance agreement and circumstances. Compensation is not guaranteed.

You can claim against any UK lender or finance company that provided a car loan or hire purchase agreement. We’ll review your agreement to identify all eligible lenders for your claim.

Due to the FCA’s ongoing review of motor finance commission arrangements, lenders have been given extended deadlines. The current deadline for lenders to respond is 31st May (as directed by the FCA). Claims are unlikely to be resolved within a few days and may take several months depending on regulatory developments.

Under our No Win, No Fee agreement, you only pay if your claim is successful. Our fees are capped in line with the FCA’s regulations for claims management companies. You may be required to pay a cancellation or termination fee if you choose to withdraw after work has begun. Full details are provided in our Client Agreement.

Yes, you can claim for multiple vehicles as long as each vehicle was financed through a UK lender. We can handle all your claims together to simplify the process.

No. You are not required to use a claims management company. You can submit a complaint directly to your lender free of charge. You may also be able to claim via the FCA’s motor finance redress scheme, which is expected to be finalised in early 2026. We offer a managed service for customers who prefer assistance with preparing and handling their claim.

Still have questions?

Check Your Eligibility
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