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.

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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.

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.

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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.

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

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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.

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.

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Refund amounts vary based on factors like your loan amount, interest rate, and repayment terms.

You can claim for mis-sold motor finance as far back as 2007.

If you took out a PCP agreement any time since 2007, you could still be eligible for a refund. Use our PCP Finance Checker to locate older agreements and see if you qualify.

You could be eligible for a motor finance  claim if:

• A broker or lender used a Discretionary Commission Arrangement (DCA) to increase your interest rate in order to earn a higher commission.
• You were charged excessive interest, meaning you paid more than you should have.
• The finance agreement wasn’t clearly explained, leaving you unsure about key terms such as ownership or repayment responsibilities.
• The lender failed to assess your ability to afford the finance agreement before approving it.

If any of these situations apply to you, try our car finance claims checker to see if you're eligible to start a claim.

Yes – you can still make a claim.

If your lender is no longer trading, you may still be able to claim compensation through the dealer or broker who arranged your finance agreement.

Our PCP claims management partners are here to guide you every step of the way and help you start your mis-sold car finance refund.

Yes – you can claim for multiple mis-sold car finance agreements.

If you’ve had more than one car finance agreement, you can submit a separate claim for each one. Each agreement could be eligible for a refund.

Use our Car Finance Claims Checker to get started.

You may have been mis-sold car finance if:

• You were charged a higher-than-necessary interest rate on your agreement.
• The dealer or broker received a commission that wasn’t disclosed to you.
• The terms of the finance agreement were unclear or misleading, leaving you unsure of what you were signing up for.

Use our PCP Claims Checker to quickly find out if you're eligible for a refund.

Our claims team support customers with mis-sold finance claims involving many leading lenders, including:

• Black Horse Ltd, Volkswagen Financial Services (UK) Ltd, FirstRand Bank Ltd (London Branch)
• BMW Financial Services (GB) Ltd, Santander Consumer (UK) PLC, RCI Financial Services Ltd
• Vauxhall Finance PLC, Close Brothers Ltd, PSA Finance UK Ltd, FCE Bank PLC
• Mercedes-Benz Financial Services UK Ltd, CA Auto Finance UK Ltd
• Clydesdale Financial Services Ltd, Blue Motor Finance Ltd, NIIB Group Ltd
• Toyota Financial Services (UK) PLC, Moneybarn No. 1 Ltd, Hyundai Capital UK Ltd
• Startline Motor Finance Ltd, and many others.

Even if your lender isn’t listed here, you may still qualify for compensation. Our team is ready to help you check your eligibility and start your motor finance claim.