Mis-sold PCP Claims
Historic agreements found in under 2 minutes
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Are you eligible?
You could have a finance claim if any of these apply to you:
Commissions
You didn’t know the broker or dealer would get a commission for your deal.
Interest rate
You didn’t know they could set or adjust the interest rate on your deal.
Finance terms
The terms of your agreement weren’t clearly explained to you.
Duress
You felt pressure to agree to the deal.
Fees & charges
All the fees and charges weren’t explained to you upfront.
Where a "No Win, No Fee" service is offered, customers typically pay 30% + VAT (36% including VAT). No Win, No Fee removes the financial risk of making a claim—you pay nothing if your case is unsuccessful. You’ll never pay upfront or encounter hidden charges, ensuring you are never out of pocket. A cancellation fee may apply if you cancel outside the cooling-off period.
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How it works
Step 1
Find your Agreements
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.
Step 2
Let us handle it
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 from start to finish.
Step 3
The finish line
After securing the best possible compensation package for your finance claim, our external legal partner will make sure you are paid out to your chosen bank account.
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.
Latest FCA news
Extension to motor finance complaint handling pause confirmed
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 moreFAQs
Which lenders can I make a mis-sold finance claim against?
We 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.
How far back can I make a finance claim?
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.
Which car makers can I make a mis-sold finance claim against?
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.
What criteria must I meet to make a claim?
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.
Can I make a claim for fixed commissions?
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.