Financed A Car Between 2007 & 2024? You May Be Owed On Average £1,658*
Dealers may have added hidden commissions to your car, motorbike, or van PCP/HP Finance between 2007 and 2024 – you may be owed compensation.
Claims can include multiple vehicles- No Win No Fee — Success fee only if we win your claim
You are not required to use a claims management company. You can pursue your PCP or HP claim for free directly with your lender or via the Financial Ombudsman Service.
* Based on data from our legal partners, the average person has had 2 finance agreements — giving an indicative figure of £1,658. Please note not all agreements will be eligible. Individual outcomes vary.
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"Millions owed compensation over hidden car finance commissions"
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"Millions owed compensation over hidden car finance commissions"
"How to tell if you've been mis‑sold car finance — and how to claim"
"Hidden car finance commissions ruled unlawful by Court of Appeal"
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"Car finance mis-selling: how the scandal unfolded and what to do now"
"Car finance scandal explained: what it means for drivers and how to claim"
New UK Court Ruling
Still Entitles Millions Of
Motorists To Payouts
New UK Court Ruling Still Entitles
Millions Of Motorists To Payouts
In an ongoing investigation, the Financial Conduct Authority (FCA) has promised to ensure that consumers are fairly compensated.
Tell Us About Your Car Financing
Spend less than 2 minutes telling us more about your PCP or HP agreement.
We Assess & Refer Your Case
All online — no phone calls required. If eligible, we refer your case to a specialist law firm on our panel.
Get Paid What You're Owed
The specialist law firm pursues your claim start to finish. No win, no fee: a success fee applies only if compensation is recovered.
Signs You Were Misled
It's likely you weren't told about hidden commissions, interest rates, or PCP/HP deal conditions. According to UK Law, this means you're entitled to financial compensation.
You Felt Pressured Into Accepting A Finance Agreement
Final Payments Weren’t Explained Clearly
No One Mentioned Hidden Commissions
Disclaimer:
You are not required to use a claims-management company or law-firm to pursue a claim. You can make a claim for free, either to the lender, to the FCA redress scheme or if unsuccessful through the Financial Ombudsman Service. Under the new redress scheme, Lenders will refund only affected agreements. Compensation depends on eligibility and FCA redress criteria.**
According to the FCA, the average compensation under the motor-finance redress scheme is expected to be around £829 per eligible agreement, although outcomes will vary significantly and no specific payment amount is guaranteed.
Individual awards depend on the specifics of your agreement (such as whether you had a discretionary commission arrangement, undisclosed lender–dealer tie or excessive commission), the size of the loan, and when it was taken out.
This figure is based on regulator estimates and public commentary rather than a guarantee. Using a CMC or a law firm may reduce the net amount you receive (for example by fees).
**Average payout figure and Redress Scheme: fca.org.uk/news/statements/fca-confirms-motor-finance-redress-scheme
The FCA has confirmed a motor finance redress scheme introducing an implementation period rather than a simple 31st May 2026 deadline. Lenders have until 30 June 2026 (for loans from April 2014) or 31 August 2026 (for earlier loans) to start acting, after which they have 3 months to issue compensation decisions.
Frequently Asked Questions
A PCP claim is a request for compensation if you were mis-sold a Personal Contract Purchase (PCP) car finance agreement — usually because the lender or dealer failed to disclose hidden commissions or explain the deal fairly.