Bought a car on finance? You could be owed:
the FCA's average refund per agreement* — and most drivers have more than one to claim for.
You do not need to use a claims management company to make your complaint. You can complain directly to your lender for free, refer it to the Financial Ombudsman Service for free, or use the FCA's industry-wide redress scheme being introduced from 30 June 2026. If you use our service and your claim is successful, a fee will apply.
How much could you be owed?
Move the slider to your number of car finance agreements since 2007.
How many cars have you had on finance since 2007?
*Based on the FCA's published average redress figure of £829 per eligible agreement. This estimate is illustrative only and does not guarantee compensation. Any redress depends on your individual circumstances and your lender's assessment — it may be higher, lower or nil.
Check your claim in 3 easy steps
The whole thing is online and takes minutes. We handle the rest.
Find your agreements
Answer a few quick questions. Using a soft credit check, we identify the car finance agreements linked to you — even older ones you may have forgotten.
We check your eligibility
Our dedicated team reviews each agreement, prepares your case and submits your complaint — managing everything from start to finish.
Receive an outcome
If your claim succeeds, compensation may be payable. The FCA estimates an average of £829 per eligible agreement, though outcomes vary and are not guaranteed.
Could you be owed money?
If your PCP or HP agreement (April 2007 – November 2024) involved any of these, you may have a claim.
Discretionary commission
Dealers could secretly raise your interest rate to earn a bigger commission — without telling you (DCAs).
Unfairly high commission
Where the commission was excessive compared with the amount you borrowed, making your finance more expensive.
Tied arrangements
Where a dealer claimed to compare lenders for you but was effectively tied to a single finance provider.
A stress-free claim, handled for you
Built to make claiming simple, transparent and entirely hands-off.
We find your agreements
Our checks use multiple credit reference sources to identify the finance agreements linked to you.
No win, no fee¹
You pay nothing unless your claim is successful. Our fee is clearly explained before you commit.
FCA authorised & regulated²
We're a regulated claims management company, so your claim is handled to FCA standards.
Quick, paperwork-free start
Submit your details in minutes online — no documents, lender details or reg plate needed to begin.
Clear updates throughout
We keep you informed at every stage with straightforward, jargon-free communication.
Real support from real people
A friendly team is on hand to answer questions and guide you through the process.
Undisclosed commission in car finance
Between 6 April 2007 and 1 November 2024, dealers often arranged finance on customers' behalf and received commission from the finance provider. In many cases this wasn't made clear.
- Commission amounts were not disclosed to customers
- Higher interest rates may have been applied to increase commission
- Customers weren't given information that could have changed their decision
Motor finance claims: key FCA timeline
The position is still developing. Here are the milestones that matter.
Redress scheme start dates
The FCA expects the scheme to start from 30 June 2026 for agreements dated 1 April 2014 onwards, and 31 August 2026 for earlier agreements.
FCA publishes further update
The FCA said firms should prepare for the possibility of no scheme if a legal challenge succeeds, while it considers contingency planning.
Legal challenge announced
The FCA confirmed the scheme had been legally challenged, which may delay compensation. It said it will defend the scheme.
FCA confirms redress scheme
The FCA confirmed it would proceed with a motor finance redress scheme for customers treated unfairly.
Supreme Court judgment
The Supreme Court clarified key legal issues on motor finance commission, prompting the FCA to consider a redress scheme.
Source: Financial Conduct Authority. For the latest, see fca.org.uk.
Is your lender on the list?
We help with claims across all major UK motor finance lenders. Search for yours below.
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Can't see yours? You may still be eligible. We work with many more lenders than listed here.
Frequently asked questions
Find out if you're owed a refund
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