Claim up to £* from mis-sold car finance

Up to 9 out of 10 car finance agreements were mis-sold. Check if you were charged secret commissions with our free** online agreement check

Your claim starts here

  • Simple online process
  • Millions of UK drivers eligible
  • + UK customers trust us
  • Up to £44 billion estimated to be paid out

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£*

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It's good news. We can help you with your PCP claim worth up to:

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Your agreement check

We have selected the lenders your car finance could have been with. Please review all lenders we have selected by using the scroll-box below

Your lender may be part of a group — to view grouped lenders, use the dropdown next to the lender name

You need to select at least one lender to proceed

By proceeding you are instructing us to submit a claim to all lenders selected, and their grouped lenders, for failure to disclose commission. If there are any lenders in the scroll-box above that you do not want to make a claim against please untick

We can help you claim up to:

£*

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Richard B Verified Client

Great company keeps you well informed and updated on all aspects of your claims no pressure at all very reliable and would highly recommend to all trusted company in every way

Sheila N Verified Client

Wouldn't have done it without you. It has been made easy thanks to you

Gordon T Verified Client

I have never before used the Claims Guys, and was very impressed when they emailed me to confirm I had 3 previous finance deals regarding cars I purchased on loans ... very impressed. I really hope this works out in my favour and looking forward to the final outcome. So pleased I used them.

Catherine L Verified Client

Fast response from this company has been very helpful big thank you to them whether I am awarded or not least I have the information now

Your claim starts here

  • Simple online process
  • Millions of UK drivers eligible
  • + UK customers trust us
  • Up to £44 billion estimated to be paid out

Up to 9 out of 10 car finance agreements were mis-sold. Check if you were charged secret commissions with our free** online agreement check

Why might I have a claim?

If you purchased a vehicle on finance during, or after 2007 then it is likely that the car finance was mis-sold to you due to the car dealership failing to disclose commission they were paid by the lender for setting up your car finance

It is estimated that up to 99% of the 31.7 million car finance agreements arranged by car dealerships since 2007, included a commission payment*

Analysts estimate that up to £44 billion compensation could be due to consumers, due to the widespread non-disclosure of commission

*See: https://www.fca.org.uk/publication/consultation/cp24-22.pdf Annex 2 Page 30

How long will my claim take?

Your Lender may not have to respond to your claims until after 04 December 2025

The Financial Conduct Authority are presently undertaking a review of commissions paid in the motor finance industry, which is contingent on cases that are also being considered by the Courts. In light of this, the Financial Conduct Authority has paused the requirement for Lenders to respond to claims about some motor finance commission until 04 December 2025

The Financial Conduct Authority is waiting on the outcome of a Supreme Court hearing, due to take place on 01 to 03 April 2025, to allow it to complete its review and establish any next steps, which it has stated may include an industry-wide redress scheme. It is anticipated that the Supreme Court will hand down its judgment in Summer 2025, so we do not expect a further update from the Financial Conduct Authority until Autumn 2025

How much could my claim be worth?

The amount of compensation you may be entitled to is dependent on several factors, including the amount of finance your lender provided, the date the finance was taken out, the duration of the agreement, the interest rate you paid and the value of the commission payment your Lender made to the car dealership

The Financial Conduct Authority, confirmed in their publication Our work on motor finance — final finding — March 2019 that on a typical motor finance agreement of £10,000, a Discretionary Commission Arrangement typically resulted in consumers being overcharged £ over a four-year agreement*

*See: https://www.fca.org.uk/publication/multi-firm-reviews/our-work-on-motor-finance-final-findings.pdf s. 2.15, Page 9

Our average number of car agreements per client, as identified from credit report data, is 2.6 as of 05/02/2025, meaning you could be owed up to £

Do I need to use a law firm, or claims management company to make my claim?

You do not have to use a law firm, or claims management company to make your claim. You can claim directly yourself for free to your lender, and then the Financial Ombudsman

Although you can make your claim directly, you may find it preferable to use a professional representative, like us, to help you manage the claims process due to our expertise in this area, or simply because you do not have the time

What are your fees?

If we are successful in obtaining an offer or payment of Compensation, then you pay us a Success Fee which is calculated based on the amount of Compensation your lender offers per credit agreement. The table below details the Success Fee percentage applicable to different bands of Compensation, and the maximum total Success Fee for each compensation band

Compensation Success Fee percentage Maximum fee charge
£1 - £1,499 30% £420
£1,500 - £9,999 28% £2,500
£10,000 - £24,999 25% £5,000
£25,000 - £49,999 20% £7,500
£50,000, or more 15% £10,000

The percentages and amounts in the table above are exclusive of VAT, which is charged at the prevailing rate

If you have an outstanding balance with your Lender they may use all, or part of, your compensation to pay this outstanding balance meaning that you may not receive any cash “in hand”. In this event, our Success Fee will still be calculated against the full compensation amount

Example 1: If your Lender makes an offer of £1,000 compensation and you have no outstanding balance with the Lender, your Lender will pay us £1,000. Of this, £360 will be deducted to pay our Success Fee and VAT, and £640 will be paid to you

Example 2: If your Lender makes an offer of £1,000 compensation and you have an outstanding balance of £800 with the Lender, your Lender may use the compensation offered to pay the outstanding balance meaning they will only pay us £200. We would use this £200 toward our Success Fee and VAT, which would leave a balance of £160 payable by you

I was referred to you via a third-party, how are they paid?

If you have been introduced to us via a third-party, we will pay them a fee for this introduction. This fee is usually a percentage of our Success Fee for any successful claim. This fee is paid directly from us to the third-party at no cost to you