Millions of drivers could be owed money for mis-sold car finance deals taken out before January 2021.

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You could claim thousands per vehicle, we’re here to enforce your rights

If you've taken out a PCP or HP agreement, you might be eligible for a refund.

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    FAQs

    What are my rights?

    Firstly, your rights are safeguarded by consumer protection laws. If you were misled about the financial terms or conditions of your car finance agreement, you might have a valid basis for a claim. Legally, you are entitled to complete and accurate information about your contract's terms.

    Millions of people have been misled and might be due compensation. This is because consumers have paid undisclosed commissions and been charged unfair interest rates.

    Can I claim for multiple cars?

    Absolutely, you can submit claims for more than one car if you were misled in multiple PCP or HP agreements. However, keep in mind that the rules and processes may differ for each vehicle, depending on the details of the agreements and any legal precedents concerning those misrepresentations.

    Do I have to pay anything?

    We handle your case on a No Win, No Fee Read more basis. We will only be compensated if the claim is successful. This aligns our interests with yours, demonstrating our confidence in our ability to secure a positive result.

    In the event of a favourable result, our billing structure entails a nominal deduction from your compensation. To find out more about our charges please read our "No Win No Fee"* policy.

    How much will I get?

    The most straightforward answer is that it varies. The compensation you could receive depends on several factors, including the amount you paid, the specifics of the contract, the lender involved, and the interest rate charged.

    One of the earliest successful claims involved a borrower who financed 100% of the car, paying an interest rate of 5.5%. Over the course of the five-year agreement, the borrower paid a total of £2,095 in interest. It was later revealed that the financing bank was offering similar loans at a significantly lower rate of 2.49%. As a result, the bank was instructed to refund the borrower £1,147 for the excess interest charged.

    When will I be paid?

    The Financial Conduct Authority (FCA) is currently conducting a thorough investigation into PCP and HP contracts. This involves placing a pause on the 8-week deadline that finance providers have to respond to complaints that involved discretionary commission arrangements. Whilst consumers can still complain to their finance provider, the provider will not have to respond to their complaint until June 2025, at the earliest. Following this, any eligible claims will likely be processed within three to six months. It is advisable to initiate your claim as soon as possible. Compensation will be paid in the order in which claims are received. By registering early, you will benefit from priority in the queue, which is especially important given the likely backlog lenders will face. If you would like to know more, please refer to the FCA's website.

    Can I claim on my own ?

    For PCP mis-selling claims you do not need to use a law firm or a claims management company to make your complaint to your provider, you may be able do this yourself for free. If your complaint is not successful you can refer it to the Financial Ombudsman Service yourself for free. You must lodge a complaint to the lender first before it can escalate to the Financial Ombudsman Service.

    There are however many benefits of choosing us to handle your claim. We will manage all communication with your lender, working closely with them to ensure that you receive a fair level of compensation. If your lender encounters any difficulties in locating your details, we will assist them to enable your claim to proceed. After you register with us, you can simply sit back and relax while we handle everything, keeping you updated via email throughout the process.

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    Why should you claim?

    Securing justice and compensation: reasons to pursue a car finance claim

    It's easy to sign up

    You can swiftly kickstart your claim by providing a few basic details.

    You could receive thousands

    Join the pursuit of justice on a hassle-free and no-win, no fee Read more basis.

    It’s your right

    Stand up for what's rightfully yours and help protect other buyers.

    Join over 60,000 people who have started their claim

    In the News

    The scandal has received extensive coverage in the media.

    "Did you buy a car on PCP before 28 January 2021? If so, you could be due £1,000s back."

    "If the FCA finds against the brokers, it could trigger payouts to potentially millions of car buyers."

    "Millions of consumers have lost billions because they were charged inflated prices as a result of secret commission deals."

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    Over 70 lenders have allegedly been charging hidden fees and unfair interest rates

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    Your Finance Rights