I financed my car and got paid back [Learn how]

Car Finance PCP Claims - PCP Vehicle Finance Compensation Made Simple
How it works?
Why can I claim?
FAQs
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How it works?
Why can I claim?
FAQs
Start Your Free Check
Bought a Car on Finance in the last 20 years?
If you bought a car on finance between 2007 and 2024 you could be owed a refund worth £1,000's
Check on all HP and PCP agreements
Claim on average £830 per vehicle
Quick and simple process
With over 150,000 clients helped so far, let us help you discover how much you could be owed.
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Have you purchased at least one vehicle on finance between 2007 and 2024?
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Important Update: FCA Redress Pause
The FCA has confirmed plans for an industry-wide motor finance compensation scheme expected in 2026. They are expected to announce the scheme in February/March 2026. All complaints have been put on pause until the scheme comes into effect. It will cover car finance agreements taken out between April 2007 and November 2024, with average payouts estimated at around £700 per agreement. For more information, please visit the FCA website. This does not stop you from starting your claim today.
We provide a review of your current and historic car finance agreements to help identify potential grounds for a claim. If you choose to proceed with our trusted partner firm, a fee between 15 - 30%+VAT applies on successful claims (fee dependant on level of redress secured), and a cancellation fee may apply outside the 14-day cooling-off period. For carrying out the initial checks and making the introduction, we may receive a fee from the partner firm, but this will not affect your compensation payout in any way.
We are a professional claims management company. You can use your own representation to proceed with a claim or submit a complaint directly to the Lender and use the Financial Ombudsman service if you are not happy with the outcome at no charge.
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Easy Process
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Enforce Your Right
Are You Owed
1,000s?
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Our Simple 3 Step Process
1.
Enquire
Provide a few key details to start the process – it takes less than 60 seconds.
2.
Discover
Let us find all of your car finance agreements going back to 2007. You don't have to dig out old paperwork.
3.
Claim
Our Trusted Partner firms will represent you through the process ensuring the Lenders pay you what you're owed.
Start Your Check
Save yourself time and hassle - start the process with us today
Why Can I Claim
If you purchased a car from a Dealership, it is likely that they put you in touch with a finance company to provide the actual loan on the vehicle. We assist in checking if you are due compensation if the Dealership did not disclose that they were receiving a commission for arranging your finance agreement with the finance provider.
This is known as a 'Section 140' claim. Both the Dealership and Finance Provider were obligated to be transparent and inform you of the commissions being paid – and if it was actually you who was paying this commission by the way they applied the interest rate.
What Is Mis-sold Car Finance?
A Financial Conduct Authority (FCA) investigation discovered widespread evidence of mis-selling on all types of vehicle financing options. It found that over 560,000 consumers were overpaying on their car finance agreements.*
Mis-selling was found on all motor vehicle types, including new and used cars, vans, motor cycles and motor homes/caravans, under all vehicle financing options such as personal contract hire (PCP), hire purchase (HP), contract hire or a car loan. The most popular of these has been shown to be PCP agreements which involves lower monthly payments followed by a final lump sum or ‘balloon’ payment. As PCPs are essentially interest-only loans, interest charges can be more expensive than anticipated.
The FCA found a increasing number of cases in which the broker was given discretion to adjust interest rates. Where a higher level of interest was charged to the consumer, a larger commission payment would be made to the Dealership by the finance provider.
As one car dealer openly admits in a recent article, “frankly, we were getting away with murder. We weren’t treating customers fairly and were, in effect, charging them to earn us money.”
The FCA found that some dealerships and finance companies have been overcharging by up to £1,100 a deal**. In some cases, it might have worked out better financially to opt into a hire-purchase package instead or source a personal loan from their bank.
It was also established that within the motor finance sector, firms have been largely misinforming their customers in communicating commission structures often resulting in customers unknowingly paying more for their vehicle finance. On many occasions the fact that a commission was being paid was not communicated. This was found to be happening at even the largest Dealerships including Audi, BMW, Mercedes and Land Rover (Black Horse) to name a few.
It is a requirement that any commission payment should be made clear to the purchaser as it could have an impact on their decision to proceed or negotiate further.
All of this has meant that customers are now able to bring forward a claim, on various grounds, for financial compensation. The mis-selling of car finance has the potential to become the biggest compensation scandal of the decade as millions of customers come forward to claim what they are owed. Find out what you might be owed, start your check with us today.
Start Your Check
Save yourself time and hassle - start the process with us today
Mis-sold Car Finance FAQ's
What type of claim can I make?
We assist clients in claiming compensation for the non-disclosure of commissions received by the Dealership from the Finance Provider. Both the Dealership and Finance Provider were obligated to be transparent and inform you of the commissions being paid.
We aim to ensure your case is properly assessed in attempt to maximise your claims potential. Even if you no longer have the vehicle or the original documents, your eligibility can still be reviewed. This is about holding finance providers accountable and helping you recover money that may be rightfully yours.
Do I qualify for a claim?
You might be eligible to claim compensation if any of the following applied to your car finance agreements:
You took out car finance before 2025
This includes both Hire Purchase (HP) and Personal Contract Purchase (PCP) agreements arranged through a dealership, broker, or credit intermediary.
You weren’t told that a commission was being paid
If the dealer or broker received a commission for arranging your finance and failed to clearly disclose this, it could be considered unfair, especially if it influenced the terms you were offered.
You didn’t know the interest rate could be adjusted
Many dealers and brokers had the ability to increase your interest rate in order to earn a higher commission. If this wasn’t explained to you at the time, the agreement may have been mis-sold.
What can I claim back?
The amount you could receive depends on the specific details of your case.
Many people find they could be owed thousands of pounds.
Once your check is complete, you’ll have a much clearer idea of what your claim could be worth.
If you’ve had more than one car finance agreement since April 2008, these can also be reviewed together – potentially increasing the overall amount you may be entitled to.
Can I claim for multiple vehicles?
We can review all vehicles you have purchased on finance that was active anytime since 2008. While some agreements may not meet the criteria for a claim, this can only be confirmed once the assessment is complete so it’s worth checking to see what you may be entitled to.
What is the process?
Reclaiming mis-sold car finance is simple. Start by providing a few key details to begin the process (it takes less than a minute). From…

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