5 min read
Eager to make a mis-sold car finance complaint, but unsure where to start?
With Justizia by your side, we can make reclaiming thousands of pounds of your hard-earned money a simple task.
Learn how to claim mis-sold car finance from the legal team at Justizia with this complete guide.
Below, we explain who can reclaim mis-sold car finance as well as the best way to make your car finance complaint.
Can you claim back mis-sold car finance?
Yes, you may be able to claim back mis-sold car finance in the UK if you were mis-sold a motor vehicle on finance after April 2007, but before January 28 2021.
Typically, you’ll need a legal professional to examine your car finance agreement first, but you may have a case if:
- You didn’t receive advice about other finance options.
- You received bad advice about the value of the vehicle at the end of the deal.
- You were unaware of the commission the broker or dealer was receiving.
- You were unaware of fees for ending the contract early.
- You were misled about the deal’s interest rates.
If you’re unsure as to whether you have a credible mis-sold car finance complaint, don’t hesitate to contact Justizia today.
How to claim mis-sold car finance
If you’re confident you have a mis-sold car finance claim, you can begin the process of making your car finance complaint.
To help you understand what to expect, our team have explained this process in straightforward steps below.
- Gather all relevant information
The first step when making any kind of legal or financial claim is to ensure you have as much information about your agreement as possible.
Regardless of whether you were mis-sold a HP (Hire Purchase) or PCP (Personal Contract Purchase) agreement, you should have a copy.
It could be a digital or paper copy, so it’s worth checking any paperwork you have around the house as well as your emails and phone.
You should also look for any other details relating to the lender or dealership that sold you the vehicle.
Alternatively, we recommend checking your credit report.
This report should include all financial agreements that you’ve entered into within the past six years. As long as your agreement was taken out in that period, you should be able to find your lender’s details.
While lenders are only required to keep a copy of your financial agreement for six years, they may be able to provide you with the information you’re looking for.
If you can only find details of the broker and not your lender, we suggest contacting them with all the details you have (such as the car registration and date of purchase).
- Determine whether you have a claim
Unsure how much compensation you should ask for or whether you even have a mis-sold car finance claim after looking at your agreement?
It’s often best to receive legal advice from a firm that’s experienced in dealing with these types of claims, a firm like Justizia.
Our down-to-earth legal team will work with you on a no-win, no-fee basis, so you can rest assured that we’ll only ever have your best interests at heart.
Why not contact us today to see whether you have a mis-sold car finance complaint?
- Contact the finance product lender
Once you’ve gathered as much information as possible, you should get in touch with the dealership or lender that you believe mis-sold your finance agreement.
Ideally, you should contact the finance product lender that you’ve been repaying.
However, if don’t know the details of the lender or they’re no longer trading, you may have to talk to the dealership instead.
Regardless of who you choose to make your car finance complaint with, they should look into your complaint and may outright offer your compensation or open negotiations.
If you’re unhappy their final response, we recommend seeking further legal advice.
- Seek professional legal guidance and advice
If the dealership or broker that sold you the finance agreement refuses to listen to your mis-sold car finance complaint or you’re unhappy with their final response, we suggest getting in touch with the professionals.
At Justizia, we make accessing the right legal and financial support straightforward. We’ll provide tailored guidance to help you receive a better response to your mis-sold car finance complaint.
Please feel free to reach out today to see how we can help!
Who to contact for mis-sold car finance
Justizia, of course!
While we’re one of many legal and financial claim organisations that can help you with your car finance complaint, there’s plenty of reasons to make the helpful team at Justizia your first choice, such as:
- We operate on a no-win, no-fee basis.
- We make legal and financial processes straightforward and accessible for all.
- We’ll provide you with regular updates to keep you in the loop.
- All our investigations abide by data protection (GDPR) and legal standards (SRA).
- We operate according to the core values of integrity, empathy, and respect.
Although many legal firms might state that they operate on a ‘no-win, no-fee’ basis, they may apply hidden fees.
This can leave you feeling even more ripped off and powerless than before you made your mis-sold car finance complaint.
With Justizia, this isn’t the case - you can rest assured that we’ll always have your best interests at heart.
Make your car finance complaint with Justizia
For the chance to reclaim your hard-earned money following mis-sold car finance, please don’t hesitate to contact our helpful team today!
Experts in handling all manner of mis-sold car finance complaints in the UK, you can rely on our law firm. We’ll explain your options in a way that’s straightforward and free from confusing legal and financial jargon.
To learn more about our services or to receive tailored legal advice for your mis-sold car finance complaint, simply give us a call on 0330 818 3415.
Why not complete our handy form to start your claim?
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