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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 £826 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.

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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.

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