Could you be owed money for a mis-sold car finance agreement? If you were misled about costs, commissions or terms, you may be entitled to compensation. Our team of expert lawyers makes it simple to check your claim, guiding you with clarity, transparency and support every step of the way.
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Mis-sold car finance is when a finance agreement – typically a Personal Contract Purchase (PCP) agreement or Hire Purchase (HP) agreement – was sold unfairly, misleadingly or in breach of consumer protection laws.
The Financial Conduct Authority (FCA) is consulting on a compensation scheme for motor finance commission arrangements, covering agreements made from 6 April 2007 to 1 November 2024. They expect to publish final rules in February or March 2026. But don’t worry – we’ll keep you up to date with all FCA developments and handle your claim in line with its current position.
Unsure if you’re eligible for compensation? Use our checklist as a guide and get in touch with our expert, friendly team if you have any questions:
Answered yes to any of these questions? We can help you check your claim quickly and guide you through the process with clarity and support. Even if your agreement was taken out several years ago, you could still be eligible – particularly if it falls under the FCA’s proposed redress scheme for motor finance commission arrangements (covering agreements from 6 April 2007 to 1 November 2024).
You provide basic information, such as your lender, dates of the agreement, and a copy of your contract if available.
We review your car finance agreement to check if you may have a valid claim. There’s no obligation to go ahead and nothing to pay upfront if you do. You’ll only pay our fixed fees if your claim is successful.
Once your claim is opened, we manage everything on your behalf. Every case is different, but we expect most to take around 6 months.
We keep you informed every step of the way, with updates every 30 days or whenever there’s significant progress.
We negotiate directly with the lender to secure a fair settlement. Court action is rarely needed, but we’ll explore all options to protect your interests.
If your agreement was mis-sold, you may receive a refund of the mis-sold amount plus statutory interest, in line with FCA guidance.
Our no-win, no-fee approach means there’s no financial risk in pursuing your claim.
Everyone deserves fairness, yet navigating car finance claims can feel complex, costly and overwhelming. That’s why we exist. We’re a modern law firm with a mission to make justice accessible for everyone. When you partner with us, you benefit from:
Yes! You can still pursue a claim even if the car has been fully paid off. Your eligibility depends on whether the car finance agreement was mis-sold, not if you still own the vehicle.
You can still make a claim. Even if the car is no longer in your possession, you may be entitled to compensation if the finance agreement was mis-sold.
Yes. Any interest, fees or additional charges included in the mis-sold agreement may be recoverable as part of your compensation.
No. Making a claim does not affect your credit rating. We use a soft credit search to gather information about the finance agreement, which has no impact on your score.
No, you don’t have to use legal services to make a mis-sold car finance claim. However, working with experienced lawyers can make the process simpler and less stressful. We guide you through every step – from checking eligibility and gathering the right documents to negotiating with lenders and maximising your potential compensation.
Timelines vary depending on the complexity of your case, but most claims are expected to be resolved within around 6 months after the FCA lifts any pauses. We’ll update you every 30 days or whenever there’s significant progress.
Most claims are resolved without going to court. We negotiate directly with lenders on your behalf to reach a fair settlement. If a court process becomes necessary, we guide you every step of the way.
If your finance agreement was mis-sold and commission wasn’t disclosed, you could be entitled to a refund of the mis-sold amount plus statutory interest. The exact compensation will be determined in line with FCA guidance.
Yes, typically you have up to 6 years from the date of the mis-sale. However, the FCA’s proposed redress scheme may cover agreements from 6 April 2007 to 1 November 2024, potentially extending eligibility for older cases.
You’ll need to provide basic details about your lender, the dates of your agreement and a copy of the contract if available. We’ll guide you through exactly what’s needed and help you gather it if necessary.
Our service is no-win, no-fee, with fixed costs for successful claims. That means you only pay if your claim is successful, so there’s no financial risk in pursuing your case. Read more about our fees here.
Justice should never feel out of reach. With clear guidance, expert support and a transparent process, we make it simple to pursue your claim.
Check if you have a claim