Car Finance
Claims Made Simple.
If you’ve had a car on finance since 2007 you could be owed compensation. We’ll find ALL of your agreements in seconds.
How It Works.
We find your agreements
Do you have a copy of all of your finance agreements you’ve had since 2007? Probably not. But don’t worry our system connects to all of the major credit referencing agencies which means that we can find all of the agreements that are linked to you.
We’re in control
You’ve submitted some simple details and we've found your agreements. We take care of everything for you.
We get to work
We have a panel of excellent firms. With all the collated evidence they’ll negotiate directly with lenders to maximise your compensations. You’re in safe hands!
Discretionary Commission Arrangements (DCAs)
Here dealers could secretly increase your interest rate.
Unfairly High Commission
Where commissions were excessive compared to the loan amount.
Contractually Tied Arrangements
Where dealers claimed to find the best deal but were actually tied to a single lender.
Are You Owed Money?
If you took out PCP or HP finance between April 2007 and November 2024, then you could be owed compensation.
Check If You Have a PCP Claim in Under 60s
Got Questions?
What types of mis selling can I make a PCP or HP car finance claim for?
You may be eligible to make a car finance claim if you had an agreement from April 2007 and November 2024 and it included any of the following:
1. Discretionary Commission Arrangements (DCA): when a broker or dealer could raise your interest rate to earn higher commission without telling you.
2. Unfairly High Commission: when the commission exceeded 35 % of the total cost of credit and 10 % of the amount borrowed, making the loan more expensive.
3. Contractually Tied Arrangements: when a dealer claimed to compare lenders but was effectively tied to one provider.
If any of these apply, you could be owed compensation.
How do I know if I was mis sold car finance?
We quickly search for all your agreements and check this for you. You might have had an mis sold car finance agreement if:
1. Your interest rate was higher than necessary.
2. The dealer or broker earned a commission they didn’t disclose to you.
3. The terms of your agreement were unclear or misleading.
Which lenders can I make a mis sold car finance claim against?
Our experts can help can assist customers with claims against major lenders, including Black Horse Ltd, Volkswagen Financial Services (UK) Ltd, FirstRand Bank Ltd (London Branch), BMW Financial Services (GB) Ltd, Santander Consumer (UK) PLC, RCI Financial Services Ltd, Vauxhall Finance PLC, Close Brothers Ltd, PSA Finance UK Ltd, FCE Bank PLC, Mercedes-Benz Financial Services UK Ltd, CA Auto Finance UK Ltd, Clydesdale Financial Services Ltd, Blue Motor Finance Ltd, NIIB Group Ltd, Toyota Financial Services (UK) PLC, Moneybarn No. 1 Ltd, Hyundai Capital UK Ltd, Startline Motor Finance Ltd, and many more.
Can I make a claim for more than one vehicle?
Yes you can. You can submit separate claims for each mis sold agreement. If you’ve had multiple agreements then each one may qualify for a refund. Well check your agreements and let you know which ones you can claim for. We are working with you, for you.
Can I clam for mis sold PCP even if the lender has gone out of business?
Yes you can. Even if your lender has stopped trading then you can still claim against the dealer or broker who arranged your agreement. We’ll help guide you through this process.