You could be owed £* per agreement for mis-sold car finance

Start your claim today. Our online tool can help you find ALL of your car finance agreements between 2007 — 2024

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  • Start your check in under 60 seconds
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  • You could be owed £* per agreement

  • Start your claim today

    You could claim £* per agreement for mis-sold car finance between 2007 - 2024. Check today!

  • Mis-sold finance

    The compensation scheme for mis-sold car finance is expected to cost lenders up to £12.4 billion

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    44% of car finance agreements may have been mis-sold, so start your claim today!

Frequently asked questions

Why might I have a claim?

If you purchased a vehicle on finance between 2007 and 2024 the finance may have been mis-sold to you due to the commission that your lender paid to the car dealership, or broker who arranged your finance. The Financial Conduct Authority (FCA) has confirmed that during this period 14.2 million car finance agreements may have been unfair

These unfair arrangements:

  • may have been due to discretionary commission arrangements whereby the lender allowed the car dealership discretion over the interest rate associated with the finance, a practice which may have resulted in consumers like you being overcharged, so the car dealership could earn a higher commission; and/or
  • may have been due to factors such as the high percentage value of commission payment, when compared against the total cost of finance (≥35%) and loan amount (≥10%); and/or
  • may have been due to a failure to disclose or be transparent about the tied arrangement or exclusive relationship between the car dealership and the lender

On 01 August 2025, the Supreme Court ruled in the cases of Hopcraft, Wrench and Johnson. The Court upheld Johnson's claim, establishing that the agreement between Johnson and his lender was unfair - referring to the size of commission, which exceeded 55% of the total cost for credit, as being a “powerful indicator” of an unfair relationship. This ruling effectively means that any commission arrangement where unfairness can be established could be eligible for compensation

Following this, the FCA has confirmed that it has identified that many car finance lenders were not complying with either the law or their regulatory obligations, which has resulted in consumers losing out. In light of this, the FCA is now consulting on a compensation scheme, which it has estimated may cost lenders up to £12.4 billion

How long will my claim take?

Your lender may not have to respond to your claims until after 04 December 2025, and it is possible this timeframe may be extended until after 31 July 2026

During 2024, the FCA paused the requirement for lenders to respond to some Car Finance Undisclosed Commission Claims until after 04 December 2025, as part of its ongoing review into commissions in the motor finance industry

More recently, on 7 October 2025, the FCA published its consultation paper on a compensation scheme for car finance customers. The consultation is open for 6 weeks. Following this, the FCA will aim to finalise the scheme rules, so that compensation payments can be made to consumers in 2026. Therefore, the FCA wishes to extend the time for lenders to respond to allow the lenders time to implement the scheme

How much could my claim be worth?

The amount of compensation you may be entitled to is dependent on several factors, including the amount of finance your lender provided, the date the finance was taken out, the duration of the agreement, the interest rate you paid and the nature and value of the commission payment your lender made to the car dealership

The Financial Conduct Authority (FCA) confirmed in its consultation paper, that it would expect that most consumers will receive around £ per agreement

Please note: all potential claim values used in our advertising, or on our websites are provided prior to deduction of our partner's Success Fee

Do I need to use a law firm, or claims management company to make my claim?

You do not have to use a law firm, or claims management company to make your claim. You can claim directly yourself for free to your lender using the Financial Conduct Authority's (FCA) compensation scheme, and then the Financial Ombudsman

The FCA have now proposed the draft rules of the compensation scheme which confirm it will be free and simple for consumers to use. Once the scheme starts if you may be eligible for compensation your lenders should contact you, or your representative, to confirm this

Although you can make your claim directly, you may find it preferable to use a professional representative like our partner, to help you manage the claims process due to our expertise in this area, or simply because you do not have the time

Can I use the Financial Conduct Authority's compensation scheme, instead?

Yes - you can. But you also have the choice to be represented by a firm such as our partner, if that is your preference

The Financial Conduct Authority (FCA) is consulting on a compensation scheme for car finance claims, which it aims to launch early in 2026. The terms of the compensation scheme were proposed by FCA on 7 October 2025

The FCA have confirmed that the scheme will be free to participate in, and your lender should contact you directly if you may be eligible for compensation

What are the fees?

If our partner is successful in obtaining an offer or payment of Compensation, then you pay them a Success Fee which is calculated based on the amount of Compensation your lender offers per credit agreement. The table below details the Success Fee percentage applicable to different bands of Compensation, and the maximum total Success Fee for each compensation band

Compensation Success fee percentage Maximum fee charge
£1 - £1,499 30% £420
£1,500 - £9,999 28% £2,500
£10,000 - £24,999 25% £5,000
£25,000 - £49,999 20% £7,500
£50,000, or more 15% £10,000

The percentages and amounts in the table above are exclusive of VAT, which is charged at the prevailing rate

If you have an outstanding balance with your lender they may use all, or part of, your compensation to pay this outstanding balance meaning that you may not receive any cash “in hand”. In this event, our partner's Success Fee will still be calculated against the full compensation amount

Example 1: If your lender makes an offer of £1,000 compensation and you have no outstanding balance with the lender, your lender will pay our partner £1,000. Of this, £360 will be deducted to pay our partner's Success Fee and VAT, and £640 will be paid to you

Example 2: If your lender makes an offer of £1,000 compensation and you have an outstanding balance of £800 with the lender, your lender may use the compensation offered to pay the outstanding balance meaning they will only pay our partner £200. Our partner would use this £200 toward their Success Fee and VAT, which would leave a balance of £160 payable by you

As an outcome of their review of the motor finance industry the Financial Conduct Authority is consulting on a compensation scheme. If such a scheme is put in place our partner's Success Fee will still be payable to on consideration of the work they have completed on your behalf

What will I be charged if I cancel my claim?

You may cancel this agreement at any time. However, if you cancel this agreement after the 14 day Cooling-Off Period and go on to receive an offer of or payment of Compensation, you would be liable to pay our partner's Success Fee if your lender makes an offer of compensation