Car Finance 

A recent investigation by the Financial Conduct Authority (FCA) found that lots of people in the UK have been hit with hidden charges on car loans, especially Personal Contract Purchase (PCP) deals. It turns out, approximately 8 out of 10 cars bought through these deals have overcharged customers so dealers can pocket more commission.

Got a Car on Finance?

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If you've financed a car through PCP or a car loan, you might've paid more than you should've. We can help you claim back thousands of pounds if:

  • You weren't told about other finance options.
  • The dealership didn't tell you about the commission they were getting.
  • You weren't warned about fees for ending the contract early.
  • You were misled about interest rates.
  • You got bad advice on how much the car would be worth at the end of the deal.


Complete the form on this page to get started. If you require any assistance, give us a call on 0330 818 3415

General FAQ

Some of the most frequently asked questions we are asked about making a claim.

Q: What is a car finance claim?

A car finance claim involves seeking compensation if you believe you were mis-sold a car finance agreement. This can occur due to undisclosed commissions or irresponsible lending practices by the finance provider.

Q: How do I know if I can make a car finance claim?

If you suspect you were not given full information about commissions or feel the lender did not properly assess your ability to repay the loan, you may be eligible for a claim. Contact us for a free assessment of your case.

Q: What are the steps to make a car finance claim?

Step 1. Simply complete the form on this page and sign the agreement which enables us to act on your behalf.

Step 2. We will send you a link to complete some further questions (they will take just a few minutes).

Step 3. We will assess you case.  Using a soft credit review and where needed, we will request the lender to share the information they hold about you and your credit/loan.

Step 4. We will make your claim to the lender. The time it takes to get a response will vary but rest assured we will do everything possible to get you compensation.

Step 5. If successful, we receive your compensation and make you the payment. 


Q: How long does the claims process take?

The duration varies based on the complexity of the case and the responsiveness of the lender. On average, claims can take several months to resolve.

Q: Do I need a lawyer to make a car finance claim?

While not mandatory, having legal representation can significantly improve your chances of a successful claim. Our team specialises in car finance claims and can guide you through the process.

Q: Are there any fees for making a claim?

Our initial consultation is free. If we take on your case, we will explain any fees upfront, which are typically contingent on the success of your claim.

Undisclosed Commissions FAQ

The most frequently asked questions about undisclosed commissions

Q: What are undisclosed commissions?

Undisclosed commissions occur when a car dealership or broker receives a commission from the finance provider without informing you. This lack of transparency can affect the terms and cost of your finance agreement. 

Q: What compensation can I expect from an undisclosed commission claim?

Compensation varies but typically includes the amount of the undisclosed commission and possibly additional damages for financial losses incurred due to the mis-sold agreement.

Irresponsible Lending FAQ

The most frequently asked questions about irresponsible lending

Q: What is irresponsible lending?

Irresponsible lending refers to a lender providing you with a car finance loan without properly assessing your ability to repay it. This includes not conducting adequate affordability checks or ignoring clear indicators that you could not afford the loan.

Q: What compensation can I expect from an undisclosed commission claim?

Compensation may include refunding interest and fees paid, removing negative marks from your credit report, and possibly additional damages for financial distress caused.

Q: What are the consequences of irresponsible lending?

Consequences can include financial hardship, negative impacts on your credit score, and additional financial strain due to high-interest rates or loan terms that are not sustainable for your situation.

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