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You could have a finance claim if any of these apply to you:
You didn’t know the broker or dealer would get a commission for your deal.
You didn’t know they could set or adjust the interest rate on your deal.
The terms of your agreement weren’t clearly explained to you.
You felt pressure to agree to the deal.
All the fees and charges weren’t explained to you upfront.
You do not need to use a claims management company to make a claim; you can do this yourself for free by contacting the car dealership or finance provider and if that is not successful you can complain to the Financial Ombudsman Service. We may receive a fee for introducing you to a third party/panel solicitor, this does not affect any compensation you may receive.
Discover potential finance claims quickly using our historic finance claim calculator. We can locate claims going all the way back to 2007. It’s free, takes just two minutes, and provides instant results if a finance claim is identified.
Once you’ve shared a few key details, a dedicated team of legal professionals will carefully prepare and submit your finance claim, managing the whole process for start to finish.
After securing the best possible compensation package for your finance claim, our working partners will make sure your paid out to your chosen bank account.
The Financial Conduct Authority has extended the pause to the deadline for motor finance firms to provide a final response to customer complaints regarding discretionary commission arrangements until 4 December 2025. Click read more for more information.
Read moreWe currently have active claims in progress against a broad range of lenders, including Black Horse Ltd, Volkswagen Financial Services (UK) Ltd, FirstRand Bank Ltd (London Branch), BMW Financial Services (GB) Ltd, Santander Consumer (UK) PLC, RCI Financial Services Ltd, Vauxhall Finance PLC, Close Brothers Ltd, PSA Finance UK Ltd, FCE Bank PLC, Mercedes-Benz Financial Services UK Ltd, CA Auto Finance UK Ltd, Clydesdale Financial Services Ltd, Blue Motor Finance Ltd, NIIB Group Ltd, Toyota Financial Services (UK) PLC, Moneybarn No. 1 Ltd, Hyundai Capital UK Ltd, and Startline Motor Finance Ltd. If you’ve had an agreement with any of these lenders, you may be entitled to compensation.
You have 6 years from the start of your agreement to make a claim, or 3 years from when you became aware of your right to complain. The 6-year period starts from the payment of commission, which is the beginning of your agreement. If your agreement is older, you can still claim if you only found out about your right to complain in the last 3 years. However, it's unlikely you'll be able to claim for agreements that ended before 2007.
Many of the claims will be against the banks or lenders who have agreements with the car makers. However, you can claim against any car make, and we have settled cases against well-known car companies such as BMW, Audi, Mini, VW Volkswagen, Kia, and Toyota.
Your lender must have failed to disclose the commission details on your agreement(s). If your finance details were inadequately explained or you faced higher interest rates due to commissions, you could be eligible for £1,000s.
Yes, you can potentially make a claim if you were not informed about fixed commissions on your car finance agreement. Under updated regulations and recent court rulings, car dealerships and finance providers are required to disclose any commissions they receive when arranging finance deals, as these commissions can influence the terms of the agreement, such as the interest rate or monthly payments.