“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]
You could reclaim £000s in unfair fees*
Had a car on finance with Santander (or any of the 75 affected lenders) between 2007 & 2021?
You might be able to claim thousands in mis-sold commission and excessive interest payments. Use our free eligibility checker to see if you can claim.
- 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.
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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“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]
“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
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.
Check NowYou 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 💪
Check NowYou'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.
Check NowYes, 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.
Check NowWhile 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.
Check NowYou 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.
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.
So, how does it work?
Check Your Eligibility
Tell us about the cars you've financed to see if you're eligible.
Our Experts Review Your Case
Our dedicated team of experts will analyse your agreement.
We'll Progress Your Case
Once we've completed our analysis, we may submit your claim or appoint a solicitor if required.
Receive Your Compensation
Sit back, relax and we'll work on your behalf to secure your compensation.