You could reclaim £000s in unfair fees*

Have you had a car on finance between 2007-2024?

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 £700 per agreement

  • Check your eligibility in 2 minutes
  • Find older agreements in seconds
  • 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.

    AM1 Claims Management may refer your claim to a third party, such as a law firm. If we do this, we will receive a referral fee.

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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

    What is No Win, No Fee?

    We handle your case on a 'No Win, No Fee' basis. There are no upfront payments, and you will only pay our fees if your claim is successful. This risk-free policy ensures you can pursue compensation without worrying about financial loss if the claim is unsuccessful. Our case handlers will be fully committed to achieving the best possible outcome for you.

    If we win your claim, a nominal fee of between 15% to 30% (plus VAT) will be deducted from your compensation. If you cancel after the 14-day cooling-off period, you may still be charged for any work undertaken in accordance with our cancellation policy.

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    You don't need to use a law firm or a claims management company to make a car finance claim. You can submit the claim yourself for free. If your claim is rejected or you are dissatisfied with the response from your lender, you can refer the complaint to the Financial Ombudsman Service (FOS) yourself for free. You should first complain to the provider before escalating the complaint to the FOS.

    The FCA has announced a consumer redress scheme. Under this scheme, you may not need to register a complaint to be eligible for or receive compensation. You do not need to use a claims management company or a law firm to access the scheme.

    There are benefits to choosing us to manage the claim on your behalf. We will handle all communication with the lender. If the finance provider has any issues locating your details, we will work with them to ensure your claim moves forward smoothly. After registering with us, you can sit back and relax while we handle everything on your behalf. We will keep you updated on how your claim is progressing at every stage via email.

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    We will act on your behalf to pursue any potential compensation for mis-sold car finance that you may be entitled to. Some of the steps we may take include gathering documentation to ensure you have a valid case, issuing your complaint to the lender, seeking formal acknowledgement of the complaint, estimating the potential value, providing you with legal advice, and reviewing offers of redress to ensure they are proportionate.

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    The FCA has confirmed a compensation scheme will begin in early 2026. Consumers who have already submitted a complaint will receive compensation faster. Lenders will contact customers who have already complained. If the customer doesn't hear back after 1 month of the scheme going live, lenders should review the case. For customers who haven't yet complained, lenders should contact them within 6 months of the scheme going live to confirm how they can join. Lenders should then confirm if you're owed compensation and how much within 3 months. You should then receive what you're owed within 28 days. For more information, please refer to the FCA's website.

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    After entering your personal details and finance agreement information into our system, we will require photographic ID (such as a passport or driver's license) and a signed letter of authority, which you can complete online. The letter of authority grants us the legal authority to contact the lender on your behalf and ensures that we can handle your claim effectively. We will be in touch if we need any more supporting documents from you.

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    The FCA announced details of its redress scheme in October 2025, outlining eligibility and how compensation will be determined. The regulator has stated it expects most consumers to receive around £700 per agreement.

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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.

    Elmwood Law Limited acts on a 'no win no fee' basis. In the event of a favourable result, our billing structure entails a nominal deduction from your compensation ranging from 18% to 36% (including VAT). If you cancel your claim after the 14-day cooling-off period, you may be charged for any work undertaken at the rate of £60 (including VAT) per hour.

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    So, how does it work?

    PCP Claim UK