Mis-sold car finance
Bought a car, van, or motorbike on finance? You could be owed up to £700* per agreement.
CHECK MY CLAIMNo Win No Fee**
You could be owed £££s
Quick & easy form
You do not need to use a law firm to make a complaint, you can make a complaint yourself to the lender, or you can refer your claim to the Financial Ombudsman Service (FOS) for free.
Could you be owed a refund?
Millions of car owners who took out car finance from April 2007 to November 2024 have been mis-sold car finance.Hidden commission
Most people didn't know about the hidden commissions, so they couldn't make properly informed choices.
Inflated interest rates
Before 2021, car dealerships could earn more money by selling loans with higher interest rates.
Fee and charges
Many customers felt that fee and charges were not properly explained to them.
How does it work?
Companies don't always play fair, but you don't have to accept it. We'll help you check if you're owed money and take action for you.1. Find your agreements
We can find your agreements and handle your claim in a few simple steps. If you choose us, we'll do a soft credit check to see if you've had any finance agreements.
2. Check your eligibility
Our partner law firm will prepare and submit your claim, handling everything from start to finish.
3. Get compensation
Our partners law firm will negotiate directly with lenders and work to maximise your compensation all on a No Win, No Fee** basis - while you relax.
Frequently Asked Questions
Extension to motor finance complaint handling pause confirmed until 4 Dec 2025
The Financial Conduct Authority has extended the pause to the deadline for motor finance firms to provide a final response to customer complaints regarding discretionary commission arrangements until 4 December 2025. Click here for more information.
Which lenders can I file a mis-sold finance claim against?
We currently have active claims underway with a variety of 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, and Startline Motor Finance Ltd. If you have or previously had a finance agreement with any of these lenders, you could be entitled to compensation.
How far back can I claim for mis-sold finance?
You generally have 6 years from the start of your agreement to file a claim or 3 years from the time you became aware of your right to do so. This 6-year period starts from the date when commission was paid, typically the beginning of the agreement. If your agreement is older, you may still qualify if you only discovered your right to claim within the last 3 years. However, claims for agreements that ended before 2007 are less likely to be eligible.
Which car manufacturers can I file a mis-sold finance claim against?
Many claims target the banks or lenders with financing agreements involving car manufacturers. However, claims can be filed regardless of the car make, and we have resolved cases with prominent brands such as BMW, Audi, Mini, VW, Kia, and Toyota.
What qualifications are needed to make a claim?
Your lender must have failed to disclose commission details within your finance agreement. If key finance terms were not fully explained or if you faced higher interest rates due to commissions, you may be eligible to claim £1,000s in compensation.
Can I claim for fixed commissions on my car finance?
Yes, you may be able to make a claim if fixed commissions were not disclosed in your car finance agreement. New regulations and recent court rulings require car dealers and finance providers to disclose any commissions they receive for arranging finance deals, as these can impact the terms, including the interest rate or monthly payment amounts.