Check if your car finance was mis-sold

Eligibility and compensation depend on individual circumstances. You can also claim independently for free

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Figures are based on an average of three policies per person**, with an estimated value of £700.00 per agreement for policies taken out between April 2007 and November 2024. Click here to see FCA Update.

**Based on a Multi Bureau credit check conducted on 20/10/25.
Check your eligibility

You could be owed money for mis-sold car finance

Eligibility depends on the specific circumstances of your agreement. In some cases, issues may include hidden commissions, higher interest rates, or pressure at the point of sale

Potential Hidden Commission

Your broker may have hidden from you that they earned extra from your deal.

Inflated interest

You could have paid more because of a higher interest rate.

Pressure to sign

You may have felt rushed or pressured into the agreement.

Unclear fees

The charges or terms may not have been clearly explained to you.

Simple process

How it works in 3 simple steps

Sign up to find out if you may have a claim for compensation

1   2   3

Our partners find your car finance agreements

Securely search credit databases to find your past car finance records, even older ones.

Our partners retrieve the details

The system collects your finance history with just a few basic details. No digging through old paperwork.

Manage your claim

Our partners review your agreements and deal with the lender for you. All on a No Win, No Fee* basis.

Support through the process

We support claims against major car finance lenders

Whether it’s a well-known bank or dealership finance, we may be able to help, even if your provider isn’t listed.

Black Horse Ltd
Santander Consumer (UK) PLC
Volkswagen Financial Services (UK) Ltd
BMW Financial Services (GB) Ltd
Black Horse Ltd
Santander Consumer (UK) PLC
Volkswagen Financial Services (UK) Ltd
BMW Financial Services (GB) Ltd
Mercedes-Benz Financial Services UK Ltd
Close Brothers Ltd
Toyota Financial Services (UK) PLC
RCI Financial Services Ltd
Mercedes-Benz Financial Services UK Ltd
Close Brothers Ltd
Toyota Financial Services (UK) PLC
RCI Financial Services Ltd
Ford Credit / FCE Bank PLC
Peugeot Financial Services / PSA Finance UK Ltd
Vauxhall Finance PLC
Hyundai Capital UK Ltd
Ford Credit / FCE Bank PLC
Peugeot Financial Services / PSA Finance UK Ltd
Vauxhall Finance PLC
Hyundai Capital UK Ltd
CA Auto Finance UK Ltd
Startline Motor Finance Ltd
Blue Motor Finance Ltd
Moneybarn No.1 Ltd
CA Auto Finance UK Ltd
Startline Motor Finance Ltd
Blue Motor Finance Ltd
Moneybarn No.1 Ltd
Clydesdale Financial Services Ltd
FirstRand Bank Ltd (London Branch)
Hitachi Capital (now part of Novuna)
MotoNovo Finance
Clydesdale Financial Services Ltd
FirstRand Bank Ltd (London Branch)
Hitachi Capital (now part of Novuna)
MotoNovo Finance
Good to know

Quick facts before you claim

No Win No Fee Promise

Where a No Win, No Fee agreement is offered, you will not pay anything unless your claim is successful.

If successful, a fee of between 18% and 36% (including VAT) will apply, depending on the level of compensation recovered.

A cancellation fee may also apply if you cancel after the 14-day cooling-off period.

We may receive a referral fee for introducing you to a third party or Claims Management Company; this will not affect the amount of compensation you receive.

About Your Choices

Please be aware that you have the right to pursue your motor finance mis-selling claim independently and free of charge.

This can be done directly with the lender, through the Financial Ombudsman Service, or via any public or industry-wide redress scheme introduced by the FCA.

While we are committed to securing the maximum compensation on your behalf, we cannot guarantee that our efforts will result in a higher amount than you might obtain by handling the claim yourself.

FCA Updates

The Financial Conduct Authority has confirmed that the pause on complaint response deadlines for motor finance firms will be lifted on 31 May 2026.

It is expected that the FCA will introduce a redress scheme to address complaints relating to discretionary commission in car finance agreements.

For official updates and further information, please visit the FCA's website at the following link:

Read the latest updates
resources

Helpful guides and updates

view all resources
Claim Basics
March 4, 2026

What is mis‑sold car finance and could you qualify?

read more
Process & News
March 3, 2026

Can you make a claim without a Claims Management Company? What official guidance says

read more
Claim Basics
February 25, 2026

Was your dealer transparent about your finance agreement?

read more
Final step

Check if you’re owed money for mis-sold car finance

Whether it’s a well-known bank or dealership no paperwork needed. It only takes a minute to see if you're eligible, and you won’t pay a penny unless your claim is successful. A cancellation fee may apply if you cancel after the 14-day cooling-off period. Please refer to cancellation policy below for fees that may apply.

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faq

Common questions about car finance claims

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Can I cancel my claim and will I be charged?

You may cancel your agreement at any time and without giving a reason by sending us a cancellation notice. Please include your client reference number in all communications.

This policy applies only if you have signed a Letter of Authority and Engagement Letter with Consultation Claims.

How to cancel:
Email:

  • cancellations@consultationclaims.co.uk

Post:
First Floor, 8 Princes Parade, Liverpool, L3 1DL

Cancellation notices are deemed served as soon as they are sent or posted.

You have a 14-day cooling-off period from the date you sign your agreement.

  • Cancellations within this period are free of charge.
  • Cancellations after this period may incur a fee in line with their full Cancellation Policy.

How can I track the progress of my car finance claim?

Our partners will keep you updated at every stage, ensuring your car finance refund remains on track.

You’ll receive regular progress updates and always know exactly where your claim stands.

What are motor finance claims?

The FCA is investigating historic car finance practices, including the use of discretionary commission arrangements. In some cases, these practices may not have been clearly explained to customers and could give rise to complaints or claims, depending on individual circumstances. Whether compensation is payable will depend on the specific facts of each agreement and the outcome of the FCA’s ongoing work.

Am I eligible to claim compensation for mis-sold car finance?

You could be entitled to car finance compensation.

If your car finance agreement was mis-sold, you may be eligible for compensation. Common issues include undisclosed fees, unclear contract terms, and inflated interest rates.

Are car finance claims usually successful?

The Financial Conduct Authority has confirmed that the pause on complaint response deadlines for motor finance firms will be lifted on 31 May 2026. Due to this, car finance claims are yet to be paid out to any customer

Do I need my original finance paperwork to make a claim?

No paperwork? No problem.

You don’t need your original finance documents to make a claim. Our Car Finance Claims Checker can help retrieve the necessary details, making the process simple and stress-free.

What’s the average refund for a successful Car Finance claim?

The amount you could receive will depend on your individual circumstances, including the details of your finance agreement(s) and any commission involved, as well as the final details of any redress scheme implemented by the FCA.