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Complex Law | Mis-Sold Car Finance Compensation Claims
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Thousands Helped • Up to £1,658* Payout • Rated Excellent
You could be owed £1,658* for car finance.
If you bought two or more cars on finance between April 2007 and November 2024.
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*We find on average 2 car finance agreements per client, giving potential claim value of £1,658.
*You may be able to make a complaint yourself to the Financial Ombudsman Service for free or redress may be available for free via the FCA's proposed consumer redress scheme.
300,000+ drivers have trusted Complex Law Average time to signup just 60 seconds
£7.5 billion could be paid back to customers
Millions of customers who purchased a vehicle on finance from April 2007 to November 2024 were unaware they could have been overcharged.
Inflated interest rates
Prior to the practice being banned by the regulator in January 2021, car dealerships could receive higher commissions by adjusting the interest rate on your car loan. This practice was known as Discretionary Commission Arrangement (DCA) and has now been prohibited by the regulator.
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Unfair Agreements
Following a major Supreme Court case in August 2025, the regulator confirmed that some car-finance agreements could still be unfair even if the interest rate was never adjusted. This applies only in specific situations, such as when high commissions were involved — meaning millions of people who financed a vehicle between April 2007 and November 2024 could be affected.
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Contractual Ties
Some car dealers were paid by certain lenders to arrange finance through them. Customers were often not told about these incentives and believed they were being shown the best available deal. If your dealer recommended a specific lender without explaining their financial relationship, your agreement could still be eligible for review.
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Compensation Scheme
The FCA has announced details of a compensation scheme set to return £7.5 billion to 12.1 million drivers - with payments starting this year. Consumers with eligible agreements who complain before the implementation period ends will be paid faster than those who wait.
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Don't take our word for it
Over 300,000 drivers have trusted Complex Law to locate and check their past car finance agreements.
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Why should you use Complex Law?
Over 300,000 drivers have used our online tool designed to make claiming for car finance as simple as possible.
We Find Your Agreements
Our system locates and checks your past car finance agreements dating back to 2007 in under 2 minutes, even if you have moved homes or changed names since purchase.
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We Check Your Eligibility
Each of your agreements are checked to reveal if they may have included hidden commission payments.
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Your Results
We instantly confirm whether any of your agreements might qualify for compensation.
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Our Experts Take Over
Your case is handled along with 300,000 others by our trusted legal experts on a No Win, No Fee basis.
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You may be able to make a complaint yourself to the Financial Ombudsman Service for free or redress may be available for free via the FCA’s proposed consumer redress scheme.
Frequently Asked Questions
Am I eligible to file a car finance claim?
What is a commission on car finance?
Which types of vehicle financing are eligible for making a claim?
How do I sign up to make a car finance claim?
Was my car finance affected by hidden commissions?
Is it possible to make claims for several finance agreements?
How long will the claim take?
What dates are covered by the FCA scheme?
Can I claim for finance taken out after January 2021?
Can I claim if my car finance had 0% APR?
Can I claim if I no longer have the car?
Can I claim if I settled my finance early?
Do I need my original finance agreement?
Why choose Complex Law?
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Company Registration: 6938570
Registered Office: Avenue HQ, Mann Island, Liverpool, L3 1BP
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*No win, No fee means you won’t pay anything at all unless your claim is successful, and you comply with our Agreement. A regulatory fee restriction applies to all successful claims (see our Agreement). A cancellation fee may apply if you withdraw your claim more than 14 days after signing-up.
** The FCA currently estimates that most individuals will potentially receive an average of £829 in compensation per agreement. We find on average 2 car finance agreements per client, giving a potential claim value of 1,658. See: https://www.fca.org.uk/news/press-releases/millions-car-finance-customers-payouts-fca-goes-ahead-compensation-scheme
***All figures and information are based on the FCA's motor finance investigation, their review of a redress scheme, and the Supreme Court ruling.
**** Our online checker refers to the soft credit check completed online to identify potentially eligible finance agreements

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