THINK YOUR CAR FINANCE
MAY HAVE BEEN MIS-SOLD?
CHECK YOUR ELIGIBILITY.
Check if your car finance held between April 2007 and November 2024 was mis-sold. Our partner claims management company can help you determine if you’re eligible to make a claim. Eligibility and compensation depend on individual circumstances.
No obligation • Secure • Takes 2 minutes
How It Works
CHECK YOUR AGREEMENT
Click the button to securely submit a few details and get started.
YOUR CASE IS REVIEWED
Our partner claims management company will review your agreement to assess whether you have a claim.
OUR PARTNERS HANDLE YOUR CLAIM
If you have a valid claim, our partner claims management company will manage everything on your behalf.
NO WIN, NO FEE*
Our partner claims management company works on a No Win, No Fee* basis. You will not be charged anything if your claim is unsuccessful.
Fully Transparent Fees
Our Partners Consultation Claims Ltd work on a ‘NO WIN NO FEE*’ basis, with no admin charges or hidden fees. Fees are banded based on the redress or refund amount, and are subject to VAT at the prevailing rate.
| Band | Redress (£) | Received % Fee | Maximum Fee |
|---|---|---|---|
| A | £1 – 1,499 | 30% | £420 |
| B | £1,500 – 9,999 | 28% | £2,500 |
| C | £10,000 – 24,999 | 25% | £5,000 |
| D | £25,000 – 49,999 | 20% | £7,500 |
| E | £50,000+ | 15% | £10,000 |
These fees are in line with the FCA guidelines on compensation refunds of up to £49,999.
The fees listed above are exclusive of VAT and will be subject to VAT at the prevailing rate.
No-Win-No-Fee* means you pay nothing unless your claim is successful. A fee between 15%–30% applies on successful claims (fee dependent on level of redress secured), and a cancellation fee may apply outside the 14 day cooling-off period.
Good To Know
No Win, No Fee Promise
You won't pay anything upfront and you won't pay anything unless your claim is successful.
If your claim is successful, a fee between 15% and 30% (including VAT) will apply depending on the compensation you receive.
A cancellation fee may apply if you cancel after the 14-day cooling-off period.
If you have already instructed a claims management company to act on your behalf, you will need to terminate your instructions before entering into your contract with our partner. Dependent on who you have instructed, termination fees may apply — please check with the instructed firm.
We may receive a referral fee for introducing you to a third party or Claims Management Company; this will not affect the amount of compensation you receive.
Eligibility and compensation depend on individual circumstances.
About Your Choices
You have the right to pursue a complaint about mis-sold motor finance, free of charge and independently.
This can be done directly with the lender, through the Financial Ombudsman Service, or via any public or industry redress scheme available.
We aim to achieve the best possible outcome for you but cannot guarantee that we will recover more than you could obtain by making a claim yourself.
FCA Updates
The Financial Conduct Authority (FCA) has confirmed that the pause on motor finance complaint response deadlines has been lifted.
The FCA have confirmed that the Motor Finance Compensation Scheme has been legally challenged and they are continuing to engage with the tribunal and those who have challenged the scheme on the possibility of suspending some elements of it while retaining those relating to preparatory work.
The FCA stated that firms should continue to prepare for the scheme until they communicate otherwise. Further updates will be provided as soon as possible.
For the latest official updates and guidance, please visit the FCA website.
Frequently Asked Questions
Motor finance covers a range of products including Personal Contract Purchase (PCP) and Hire Purchase (HP) agreements, where you pay monthly instalments over an agreed term. With PCP, at the end of the term you can pay a final lump sum to own the car, hand it back, or use any equity as a deposit on a new deal.
If your car finance agreement was taken out between April 2007 and November 2024, a discretionary commission arrangement may have been in place — meaning your dealer could secretly inflate your interest rate to earn a higher commission. You may have a claim without ever knowing this happened.
The amount varies depending on your individual circumstances, including your loan size, interest rate, and term. The FCA has advised that the average compensation amount is approximately £829 per eligible agreement. Eligibility and compensation depend on individual circumstances.
Timelines vary. Lenders are currently required to respond within eight weeks, but the FCA has paused some complaint deadlines pending a wider industry review. We'll keep you updated throughout the process.
Yes. Even if your motor finance agreement has been fully paid off or settled early, you may still be eligible to claim — provided it falls within the relevant time window.
Generally, you have six years from the date of the agreement, or three years from when you became aware of the issue. Given ongoing FCA activity, it's important to act promptly.
Under our No Win, No Fee* arrangement, you will not be charged anything if your claim is unsuccessful. A cancellation fee may apply if you choose to withdraw after the 14-day cooling-off period.
No. Submitting a claim for mis-sold motor finance does not affect your credit score in any way.
Yes. We take data protection seriously and handle your personal information in accordance with UK GDPR and the Data Protection Act 2018. Your information will never be sold to third parties.
This depends on the circumstances. If you made the payments and were the primary user of the vehicle, there may still be grounds for a claim. Contact us and we can advise on your specific situation.
If you have any other questions, please get in touch.