• Car finance claims seen on:

You could claim up to £ per finance agreement*

Your car finance agreements

Please select all lenders you had car finance with who did not tell you about the commission

Your lender may be part of a group - to view grouped lenders use the dropdown next to the lender name. By proceeding you are giving us instruction to investigate and submit claims to all lenders in each group

You need to select at least one lender to proceed

Potential claim value: £ per finance agreement*

Your personal details

To help your lender(s) identify all the finance agreements you may have had, you will now be asked to provide your personal details

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Unfortunately, you have to be at least 20 years old to make a claim
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Your personal information will be treated carefully, in accordance with our Privacy policy. We, Refundo, a trading style of The Claims Guys Legal, will contact you about claim opportunities using the contact details you provide. You can opt out of receiving communications from us at any time by sending an email to dataprotection@theclaimsguyslegal.com

Potential claim value: £ per finance agreement*

Your contact details

Thank you, . And finally some contact information so we can keep you informed about your claim

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Your current address

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Previous address 2

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Previous address 3

Potential claim value: £ per finance agreement*

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  • Expert advice

  • No paperwork required

  • Refunds worth £1,000s

  • SRA regulated

Frequently asked questions

Why might I have a claim?

If you purchased a vehicle on finance during, or after 2007 then it is likely that the car finance was mis-sold to you due to the car dealership failing to disclose commission they were paid by the lender for setting up your car finance

It is estimated that up to 99% of the 31.7 million car finance agreements arranged by car dealerships since 2007, included a commission payment*

Analysts estimate that up to £30 billion compensation could be due to consumers, due to the widespread non-disclosure of commission

*See: https://www.fca.org.uk/publication/consultation/cp24-22.pdf Annex 2 Page 30

How long will my claim take?

Your Lender may not have to respond to your claims until after 04 December 2025

The Financial Conduct Authority are presently undertaking a review of commissions paid in the motor finance industry, which is contingent on cases that are also being considered by the Courts. In light of this, the Financial Conduct Authority has paused the requirement for Lenders to respond to claims about some motor finance commission until 04 December 2025

The Financial Conduct Authority has indicated that they may have completed their review as early as May 2025 and if so, would seek to end the pause early. We expect to receive a further update regarding this by 31 May 2025

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 value of the commission payment your Lender made to the car dealership

The Financial Conduct Authority, confirmed in their publication Our work on motor finance - final finding - March 2019 that on a typical motor finance agreement of £10,000, a Discretionary Commission Arrangement typically resulted in consumers being overcharged £ over a four-year agreement*

*See: https://www.fca.org.uk/publication/multi-firm-reviews/our-work-on-motor-finance-final-findings.pdf s. 2.15, Page 9

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, and then the Financial Ombudsman

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

What are your fees?

If we are successful in obtaining an offer or payment of Compensation, then you pay us 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 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 us £1,000. Of this, £360 will be deducted to pay our 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 us £200. We would use this £200 toward our Success Fee and VAT, which would leave a balance of £160 payable by you

I was referred to you via a third-party, how are they paid?

If you have been introduced to us via a third-party, we will pay them a fee for this introduction. This fee is usually a percentage of our Success Fee for any successful claim. This fee is paid directly from us to the third-party at no cost to you

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