The FCA has estimated average redress of approximately £829 per eligible agreement. Eligibility and actual redress will depend on the individual agreement and no compensation is guaranteed.
CHECK MY CLAIMEligibility depends on the individual agreement and circumstances
The FCA has estimated average redress of approximately £829 per eligible agreement. Eligibility and actual redress will depend on the individual agreement and no compensation is guaranteed.
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You do not need to use a law firm to make a complaint, you can make a complaint yourself to the lender, or you can refer your claim to the Financial Ombudsman Service (FOS) for free.
Commission arrangements may be relevant when assessing an agreement.
Before 2021, car dealerships could earn more money by selling loans with higher interest rates.
Many customers felt that fee and charges were not properly explained to them.
We can find your agreements and handle your claim in a few simple steps. If you choose us, we'll do a soft credit check to see if you've had any finance agreements.
Our partner law firm will prepare and submit your claim, handling everything from start to finish.
Our partner law firm can manage your claim, correspond with the lender and keep you updated throughout the process.
The FCA established a motor finance compensation scheme in March 2026. The scheme is currently subject to legal challenge and parts of the process are suspended. Lenders do not currently have to calculate or pay scheme compensation while the legal process remains unresolved. Click here for more information.
We currently have active claims underway with a variety of 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, and Startline Motor Finance Ltd. If you have or previously had a finance agreement with any of these lenders, your agreement may be eligible depending on its individual circumstances. No compensation is guaranteed.
You generally have 6 years from the start of your agreement to file a claim or 3 years from the time you became aware of your right to do so. This 6-year period starts from the date when commission was paid, typically the beginning of the agreement. If your agreement is older, you may still qualify if you only discovered your right to claim within the last 3 years. However, claims for agreements that ended before 2007 are less likely to be eligible.
Many claims target the banks or lenders with financing agreements involving car manufacturers. However, claims can be filed regardless of the car make, and we have resolved cases with prominent brands such as BMW, Audi, Mini, VW, Kia, and Toyota.
Eligibility will depend on the circumstances of your individual finance agreement. The FCA scheme covers certain discretionary commission arrangements, qualifying high-commission arrangements and certain contractual ties between lenders and brokers, subject to the scheme rules and applicable exceptions. Not every agreement involving commission will qualify for compensation.
A fixed or flat-rate commission is not automatically eligible simply because it was not disclosed. Eligibility may arise where the agreement involved a discretionary commission arrangement, a qualifying high-commission arrangement or certain contractual ties between the lender and broker, subject to the FCA scheme rules and applicable exceptions.
