You could reclaim £000s in unfair fees*

Have you had a car on finance between 2007-2021?

You may be eligible to claim thousands*, depending on the type of commission and how it was sold to you. Use our free eligibility checker to see if you can claim.

*Based on successful claims for multiple agreements, in line with the Financial Conduct Authority's estimation of an average payout of £950 per agreement

  • Check your eligibility in 2 minutes
  • You may be able to reclaim £000s* in unfair commission
  • Millions of drivers have potentially been mis-sold

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    Why Can I Reclaim?

    The Financial Conduct Authority has banned UK car dealers from charging unfair commissions and pushing higher interest rates for PCP and HP finance agreements. If you signed up for one of these agreements and your dealer didn’t disclose the commission they received and how it worked, you might be eligible to claim.

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    “Martin Lewis: £13 billion could be paid out over car mis-selling.” “This is enormous... we're talking about systematic, mass scale mis-selling” [1]

    “Drivers who have bought cars using a type of car finance deal from a dealer might have fallen victim to a mis-selling scandal." [2]

    “This could lead to billions of pounds of overcharged interest paid back to millions of people.” [3]

    Frequently Asked Questions

    Can I claim for multiple vehicles?

    The good news is, yes 👍 If you've had multiple cars on finance, you may be able to claim for them all. Use our online check to get started.

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    You can start registering for compensation in just 2 minutes! Our online registration process is super easy to use, all you need to do is tell us about you, how you bought the vehicle and, if you're eligible, sign up to claim 💪

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    You'll need your vehicle registration number or the name of your lender, along with some basic details; that's it! We'll take care of the rest.

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    Yes, whether you're still paying off your car finance or it's been settled in full, the product was still mis-sold and you can still claim.

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    While the FCA investigates, finance providers are not required to respond to complaints until 4 December 2025 at the earliest. The FCA will publish a consultation for a proposed redress scheme in early October 2025, which will provide more information about when compensation is expected and how it will be calculated. The FCA anticipates that consumers will begin receiving payments in 2026. Please refer to the FCA's website to learn more.

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    You can submit the claim yourself for free without using a law firm or claims management company. You can also refer the complaint to the Financial Ombudsman Service yourself for free. Before escalating the complaint to the Financial Ombudsman Service, you must first complain to the provider. There are benefits to choosing us to manage your claim, including allowing us to handle all communication with the lender. If the provider encounters any issues locating your details, we will assist them to ensure your claim proceeds smoothly. After you register with us, you can sit back and relax while we take care of everything for you. We will keep you updated via email throughout the process.

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    Why Choose Us?

    We're dedicated experts in the mis-sold car finance sector, focused on securing the compensation our clients deserve. While you can submit the claim yourself for free, working with us allows you to benefit from our collective experience, giving you the best possible chance of a successful claim.

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    So, how does it work?

    PCP Claim UK