Easy Car Finance Refunds

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 your lender's response, 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 do not need to register a complaint to be eligible for or receive compensation. You also 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 difficulty locating your details, we will work with them to ensure your claim progresses smoothly. After registering with us, you can sit back and relax while we handle everything on your behalf. We will keep you updated on the progress of your claim at every stage via email.

You will be referred to a solicitor who 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 they 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.

The FCA announced the final details of its redress scheme in March 2026. However, the scheme is now subject to multiple legal challenges. Therefore, there is now a delay in when payouts are expected. The case isn't expected to be heard before October 2026, so consumers aren't likely to receive compensation until late 2026 at the earliest. For more information, please refer to the FCA's website.

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.

The FCA published its final redress rules in March 2026, stating that it expects most consumers to receive around £829 per agreement, though some will get more and others will get less. The methodology for calculating redress depends on various factors. The FCA says that in the most serious cases, which only affect a small number of agreements, consumers will get back 100% of the commission paid, plus interest. For most consumers, compensation will be based on the average of the estimated overpayment and the commission paid, plus interest.